 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表! B: p% J% C5 L7 @) V% I
- D( b' R: a' p: Q4 B& S
7 c$ w$ h P3 F, R7 T
谢谢，请继续。9 o J9 c; Y/ u5 k
- I( G$ p2 u, Y- i* m& p. C$ X' x0 i
我知道一些房地产起家的人是靠的滚雪球的效应，把自己现有的房子抵押加上租金收入再贷款，最后越滚越大，最后拥有几十套房子。
0 [/ |6 I% s3 t- P/ S x
The following article is written by Peter Kinch.; E% B$ i d1 C1 R6 _2 g t6 K
' @: U! c4 y" v% q. V( S
Spring Is In The Air! In some markets in Canada it may feel like
/ ]; D1 D c4 E! j4 U4 N0 t5 DSpring is starting to arrive. Each and every year in late February and , @; k4 Q" I' V# s* s5 o
early March, the banks start rolling out their Spring market campaign of
8 }$ M( o( b/ D- g8 c+ P9 lnew products in an effort to attract new consumers. And, if early signs
2 K7 E) S6 H. y( A! B" bare any indication, we're poised for yet another busy spring. The banks 4 G9 R$ }6 P+ ^ s# W
view this as the best time of year to get your attention by coming up 6 \, v! K( F% N- |8 \1 U; U
with new products or simply putting twists on old ideas. : i+ w+ M) Q8 N9 n
! q1 h2 U% Y" ^4 U
Over the next few weeks we'll see a variety of new products and this 1 ~: @( H0 k4 @/ w+ |* K
year the early theme I'm seeing is banks getting more creative in an " D. a. [2 P9 _0 }+ F0 t( z
effort to help you borrow more money. This is partly in response to growing
/ C; |0 A s+ I. e: D: d- J/ G) L }concerns about the potential of rising rates. . G: i3 h% o" D( q" j8 P
E, ?8 c2 ?* S G Z0 L2 x- z
In an effort to take the focus away from rates, look for two lenders to
: {2 d3 ~7 I3 k" n0 @come out with 'True Equity' programs that will allow home buyers the
, {* G, x' z) Oability to borrow up to 75% of the equity in their homes without having
9 x! }, A" w+ Fto qualify based on their incomes. These programs were previously only 1 \1 O( X, s5 b: f! V0 K/ O2 w
available to self-employed borrowers. Income earners had to either put " \2 _4 ^3 B3 U8 {; g) C
more money down or pay higher rates. This will now be a mortgage based
8 i4 |. g5 d+ m: I! n9 n' Oon the equity and the rates will be fully discounted.( i- u* t; c% R# q% K7 j+ _
Another product to keep an eye on is more lenders who will be combining 8 h$ N' N% R* t& O0 W- j
the mortgage with the line of credit and creating a 'Global borrowing
& o. f; k, Z1 |) p/ j1 alimit' that will be re-advanceable. More and more consumers will be 4 M4 r" X* L7 g: }* \+ H
looking for these kind of products for tax planning and investment - l: }5 J6 M9 ^! u- M, o5 F
strategies. # _$ _4 w! Z9 v& d! q3 E
' ^/ \! r' @3 d, _And speaking about investors, banks are starting to recognize the 5 S# {* d; e# L% m9 F/ Z; c
growing number of home owners who are buying multiple revenue properties for . A: r M' _& Z% I ?/ r( q
investments and we now have an 'Interest-Only' mortgage available for
2 I4 J+ \* P; J# b8 u. f& F- wself-employed borrowers on a 'Stated-income' basis for revenue ( k2 M% _! P- }8 ]5 X. v+ z
properties. This marks the first time a self-employed individual can use
: ]: U8 H& V2 W% k) i'stated-income' to qualify for a revenue property.
2 `0 q( }- K8 S! B& ~' y% n) [. c
The interest rates will be higher for this product, but it is
5 Q1 r$ Q# F8 I; Yreflective of a growing trend towards American-Style lending practices. A prime o; f* L) k& o. C8 k
example of an American trend influencing our banks will be longer
- [& Z, ?( g. ]+ I: v- Y, eamortization periods. Canada has held tight on 25 year amortizations for
3 T: p1 P) t7 M6 K3 Jyears, up until now that is. A few lenders have announced 30 year
/ V, _* g) a4 N) n9 [amortizations on CMHC insured mortgages at fully discounted interest rates.
; K) G& q5 z8 j& g, E, g8 H: w* C6 f( X* v2 y
Finally, in an effort to further take your attention away from the long # x# _ u" s9 F3 O# h
term rates, look for lenders to get more creative with the discounts
! P, y, M# a3 J2 z; dthey offer on Variable Rate Mortgages. I fully expect to see stronger ( S7 y0 ]" x9 z* F. |' o
competition in the form of creative 'front-end loaded' discounts and
" K1 r3 \4 z4 p6 W! v) Z. D ?teaser rates that make it more confusing to compare an apple to an apple ! t8 v9 r. { P# J* i' G
when shopping for the best mortgage option. It's going to be another busy # a: |- x- \/ B4 ]
spring market and consumers are going to be faced with more choices ; T9 i; E) f0 _2 A1 d3 ]" j: R
than ever before. The key, like always, is to get expert advice and ' K9 W0 s, t1 z* n2 D
remember you have options. |
|
狗仔卡
发表于 2006-5-7 20:26
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
发表于 2006-5-7 22:16
发表于 2006-5-7 22:22
