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原帖由 dgg 于 2006-5-8 10:12 发表, s: C; ^1 r1 z* g- z( B
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谢谢,请继续。$ a' O" B: J# j4 |5 n
3 n- i; j$ K- F2 c, A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。 5 G$ J4 c6 A+ H5 }8 \: B
) Z6 u. A- @: R* I+ i: ZThe following article is written by Peter Kinch.6 q8 j, S# u, C
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Spring Is In The Air! In some markets in Canada it may feel like
6 M* J; J# C0 M2 W h0 RSpring is starting to arrive. Each and every year in late February and
% Y" t! W$ _; {/ R. s4 Learly March, the banks start rolling out their Spring market campaign of
2 o5 {7 j$ k% qnew products in an effort to attract new consumers. And, if early signs ; s1 e" E0 a5 n) f
are any indication, we're poised for yet another busy spring. The banks % t3 B; X& ^# }+ |0 ?
view this as the best time of year to get your attention by coming up # ?( m+ x& `- ?/ S8 c" V( S
with new products or simply putting twists on old ideas. 3 j& |/ {/ e n. e: f1 E5 g
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Over the next few weeks we'll see a variety of new products and this & R2 j3 _2 V( y' L1 e0 m; r
year the early theme I'm seeing is banks getting more creative in an
3 Z2 G4 I7 z) [0 j" Heffort to help you borrow more money. This is partly in response to growing v" a0 o! u7 m' c8 T" L
concerns about the potential of rising rates.
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5 w7 K# p2 X1 f' }6 QIn an effort to take the focus away from rates, look for two lenders to
' n6 w6 a, E+ w+ C, Bcome out with 'True Equity' programs that will allow home buyers the % W$ n0 _3 \2 U/ w; ]* L$ z/ U
ability to borrow up to 75% of the equity in their homes without having
4 j8 f( `% B$ O8 A2 H8 [% }to qualify based on their incomes. These programs were previously only 2 l+ z2 S# I) H
available to self-employed borrowers. Income earners had to either put $ `. i. [( X6 c3 R/ K! ]( Y. ]
more money down or pay higher rates. This will now be a mortgage based
2 y! P: {, s3 N1 `" C- L/ don the equity and the rates will be fully discounted.
5 I3 K J0 I0 }) c6 D$ |' TAnother product to keep an eye on is more lenders who will be combining
* N; `3 Y6 w* Q! Q1 Z' g ]5 }the mortgage with the line of credit and creating a 'Global borrowing 4 o% }" D) m8 {+ l
limit' that will be re-advanceable. More and more consumers will be
- Y) j# u2 G$ X: llooking for these kind of products for tax planning and investment , Q% D/ s, F% J/ Y' K* _
strategies. 0 Z( M8 V( Z1 F. X4 ^5 m+ b# @
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And speaking about investors, banks are starting to recognize the
Z$ k$ x- m+ _) ?growing number of home owners who are buying multiple revenue properties for + _7 _$ \6 y4 i' B4 P, c
investments and we now have an 'Interest-Only' mortgage available for - o" |6 m9 I) l! B; }5 r% c- f1 t
self-employed borrowers on a 'Stated-income' basis for revenue
# z7 N9 g0 }; u* o g2 T: Aproperties. This marks the first time a self-employed individual can use
! ]% l3 Y8 D: E4 Y! p" b, s3 s$ L'stated-income' to qualify for a revenue property. [% ~' e3 y$ o( H
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The interest rates will be higher for this product, but it is + j0 M' N# ], O2 M8 F3 x
reflective of a growing trend towards American-Style lending practices. A prime / b2 n9 c' ?# c; w$ ~, m
example of an American trend influencing our banks will be longer ' A. M5 B6 j0 E9 i
amortization periods. Canada has held tight on 25 year amortizations for % @9 x/ d2 D, M% ^% ~# R+ R
years, up until now that is. A few lenders have announced 30 year ' ^0 y1 _" n. d6 t6 x' ]3 s5 c
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 ) Y; j+ w1 D4 g( j1 M1 e2 X. ~
term rates, look for lenders to get more creative with the discounts " K# }/ b" J/ k1 I( E; R3 w) N
they offer on Variable Rate Mortgages. I fully expect to see stronger
7 c( \/ h% k3 Icompetition in the form of creative 'front-end loaded' discounts and ; P; _: ?% x, g: T& H" E0 L
teaser rates that make it more confusing to compare an apple to an apple ; \& X& c0 F: ]( i3 T3 z
when shopping for the best mortgage option. It's going to be another busy 9 m7 S6 y8 U9 O0 R9 P
spring market and consumers are going to be faced with more choices 0 S- t' m( O# Q u2 ?0 b
than ever before. The key, like always, is to get expert advice and ) ^3 x. M1 G9 O2 Y$ Z5 N y; G
remember you have options. |
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