 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表9 a. u6 {! O) R/ z3 ^
0 o' x3 m- l( D N% K, J0 R
. O0 O( e8 \. s( k0 p谢谢，请继续。8 u) B: A' t' e/ G7 ?* F( f3 ?
! I6 v+ l- o3 C% ~- T
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。
7 _2 f- n7 s" W! u+ ~* z& KThe following article is written by Peter Kinch.' ~1 K% ? j5 A6 `5 l! U: I
( z o! w( ^0 g2 a" tSpring Is In The Air! In some markets in Canada it may feel like 1 W( R" m8 o* g+ x: e9 Q
Spring is starting to arrive. Each and every year in late February and " W* y- |# [$ _- q7 Z2 E4 w! N
early March, the banks start rolling out their Spring market campaign of
5 a2 e& M: h6 p& ]- I' @ cnew products in an effort to attract new consumers. And, if early signs & k2 ]" U; D% z
are any indication, we're poised for yet another busy spring. The banks
2 H; D* o2 @; a' \; yview this as the best time of year to get your attention by coming up
- U$ H3 n5 r q% C+ X& w& s" l/ Bwith new products or simply putting twists on old ideas. ) C* C. n) F1 K) ~* c9 u
% z) ~/ N7 J# ]! Z Z0 o' w
Over the next few weeks we'll see a variety of new products and this
9 a" q# w& w, s8 K( G, a8 O* {' [: ?year the early theme I'm seeing is banks getting more creative in an
- D3 j2 W) x: Beffort to help you borrow more money. This is partly in response to growing ' ^, J) E4 q# Q4 L' u- R8 |$ i: N
concerns about the potential of rising rates.
6 i b3 q' x( v) b4 h) t' y$ _5 ~& g6 S a) |
In an effort to take the focus away from rates, look for two lenders to
1 \0 l1 U5 L* U0 Gcome out with 'True Equity' programs that will allow home buyers the , T: |7 g+ _; B% q! ^
ability to borrow up to 75% of the equity in their homes without having
/ A9 H: u2 R4 R: e, y/ ^ h3 N" G. Tto qualify based on their incomes. These programs were previously only
* s+ _0 B9 W5 ?4 X, t* ~3 \8 Qavailable to self-employed borrowers. Income earners had to either put
6 l, ]% H2 {+ J8 i! i. S- Kmore money down or pay higher rates. This will now be a mortgage based + q; x5 k, `0 [ }, i8 q, C+ b4 `2 x
on the equity and the rates will be fully discounted.1 ?, l' j/ T0 w0 N, m3 f
Another product to keep an eye on is more lenders who will be combining 2 K) I4 w3 X8 p( L* b
the mortgage with the line of credit and creating a 'Global borrowing
% ]: R, E5 ]/ Q5 u/ v O! `/ \limit' that will be re-advanceable. More and more consumers will be " F8 H! Q: z# P. ~9 E$ s
looking for these kind of products for tax planning and investment 0 ^$ M( I& q8 h. @/ o
strategies.
5 u3 x( j) U+ Y) b$ i, K
$ Z, M( I: ~* M9 WAnd speaking about investors, banks are starting to recognize the 0 Y0 G! y: H- a% e' O
growing number of home owners who are buying multiple revenue properties for
6 p. e: N6 `9 d" v" minvestments and we now have an 'Interest-Only' mortgage available for
2 D6 b) B) E5 k4 [self-employed borrowers on a 'Stated-income' basis for revenue
' A1 u. T2 W: @ g* Cproperties. This marks the first time a self-employed individual can use
8 W }: I8 c2 P'stated-income' to qualify for a revenue property.
$ o$ \. l, u: ^+ D+ e8 V
4 Y4 V* t* W- T" IThe interest rates will be higher for this product, but it is ! K4 b6 t: \1 h. o# [7 ]& ~' R
reflective of a growing trend towards American-Style lending practices. A prime
% I$ Q% R8 v. U; T$ fexample of an American trend influencing our banks will be longer 7 ?2 ^. F6 `* O3 N! n% Q$ B" s1 {
amortization periods. Canada has held tight on 25 year amortizations for 2 D9 ~+ [6 g# n) J
years, up until now that is. A few lenders have announced 30 year
9 X' @$ w d4 l9 a: wamortizations on CMHC insured mortgages at fully discounted interest rates.
$ H; ~0 N8 D7 L
9 A9 ? i4 y/ |, }8 L- d6 nFinally, in an effort to further take your attention away from the long
7 a% h! \4 S/ N* @' U) m* Hterm rates, look for lenders to get more creative with the discounts
4 r) V8 L# d, Y- o5 d8 Ethey offer on Variable Rate Mortgages. I fully expect to see stronger
3 F6 _6 V+ b% q3 w1 Ucompetition in the form of creative 'front-end loaded' discounts and
- f+ M( T. ]+ [8 c! @teaser rates that make it more confusing to compare an apple to an apple * W, A: i$ n3 q( k$ R) @7 `# }: a+ }: e
when shopping for the best mortgage option. It's going to be another busy ( h3 P/ m2 b6 O# v
spring market and consumers are going to be faced with more choices
5 F* l' Q5 `( U0 N; |9 L) V2 fthan ever before. The key, like always, is to get expert advice and 2 P* G9 ?+ E4 X
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
