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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢,请继续。
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5 E' X; x+ X' P& R$ m0 M. p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。
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The following article is written by Peter Kinch.
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+ h/ s: i7 E! D1 n% ASpring Is In The Air! In some markets in Canada it may feel like 0 \7 Y$ ?: J! H6 w
Spring is starting to arrive. Each and every year in late February and
/ J6 c) k# P0 S* qearly March, the banks start rolling out their Spring market campaign of
/ e [' q; U& r7 X+ W( n9 Cnew products in an effort to attract new consumers. And, if early signs
# o/ m/ b( P/ ^are any indication, we're poised for yet another busy spring. The banks 2 H* l# P$ M. x N( k
view this as the best time of year to get your attention by coming up
# G: h% u$ N( Mwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this
4 U) a/ p2 i2 A( {8 {year the early theme I'm seeing is banks getting more creative in an ; i; z4 P7 {$ P9 \
effort to help you borrow more money. This is partly in response to growing # x+ p& n+ j4 i- Z& [
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
3 M n" t& J* r u* Y, d# Bcome out with 'True Equity' programs that will allow home buyers the 4 R0 p- L, Q) J) D: g
ability to borrow up to 75% of the equity in their homes without having 0 b+ E @ l' {) Y3 G0 ^2 N
to qualify based on their incomes. These programs were previously only
4 c4 e" ?: x; \5 ^7 kavailable to self-employed borrowers. Income earners had to either put
6 ]4 [% V9 \/ v* b Wmore money down or pay higher rates. This will now be a mortgage based + f/ }, s- S# `5 k, M
on the equity and the rates will be fully discounted.
" A! t5 i: e$ k3 Q8 MAnother product to keep an eye on is more lenders who will be combining 2 d' Y( w% D9 K$ G7 H3 F9 W; Y; @
the mortgage with the line of credit and creating a 'Global borrowing 0 O3 c' U" u0 ^; _0 g6 G7 V) `# p6 e
limit' that will be re-advanceable. More and more consumers will be
4 l" w0 t" @% \3 e: ulooking for these kind of products for tax planning and investment
9 i# ^; g1 u) ^6 ^6 Kstrategies. ) g: K8 ] F- l, [4 n
4 l) \2 j/ _, m$ m1 cAnd speaking about investors, banks are starting to recognize the 5 I) j$ F! L) x1 M/ n6 S7 h
growing number of home owners who are buying multiple revenue properties for , Q5 i: N" ?3 E
investments and we now have an 'Interest-Only' mortgage available for
: g" N# R! R- A0 [- K; }* uself-employed borrowers on a 'Stated-income' basis for revenue K w' I' q, `
properties. This marks the first time a self-employed individual can use
2 P. a) ]2 U$ b; B'stated-income' to qualify for a revenue property.
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3 x6 Y. d5 b; S( t- s, y' [The interest rates will be higher for this product, but it is 1 `+ o. m" h8 ?2 d' Z" k, F1 w
reflective of a growing trend towards American-Style lending practices. A prime 5 q& T' Z8 {# g! m
example of an American trend influencing our banks will be longer
2 \+ Q' [* t+ n; camortization periods. Canada has held tight on 25 year amortizations for
" r& b& g2 d, w) W- Gyears, up until now that is. A few lenders have announced 30 year : k% s* \" {6 L/ O* d& s' n9 S
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
- f; f: R8 }; B1 ~term rates, look for lenders to get more creative with the discounts 9 g2 Y7 u6 n5 {% @1 f
they offer on Variable Rate Mortgages. I fully expect to see stronger 0 C/ Q! |! _5 s" N- ?/ s7 [6 {& N$ ^$ ?
competition in the form of creative 'front-end loaded' discounts and 5 q, k) Y1 U- a3 W, L
teaser rates that make it more confusing to compare an apple to an apple
! E7 X2 q/ z' J; N& ~when shopping for the best mortgage option. It's going to be another busy : O7 `+ T$ y" d0 C* I
spring market and consumers are going to be faced with more choices . z$ a3 `$ h0 `, [ a, V. t! B
than ever before. The key, like always, is to get expert advice and
+ A8 w% Z/ ]+ D$ `6 c) J! iremember you have options. |
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