 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表% G, D3 y3 v; e
- F; }$ K2 k/ B' o
& g9 i( D# V Z0 z; P; }
谢谢，请继续。
) g* A3 L6 w: { N2 x
) q2 {# c$ Z4 }+ g$ H( @1 q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。
/ J' j8 X) D% b3 v
. t0 b$ }9 k* Z, q& N( cThe following article is written by Peter Kinch.- Y) l' v5 H8 A1 a; s( q1 r
6 ?2 o: b' |" x# k% PSpring Is In The Air! In some markets in Canada it may feel like
9 c3 m, W# A7 J1 P1 mSpring is starting to arrive. Each and every year in late February and
6 W! _" ]" t8 g, L, E# i6 Bearly March, the banks start rolling out their Spring market campaign of 6 `1 m9 G1 q" V. Z5 g2 S
new products in an effort to attract new consumers. And, if early signs
2 u2 [3 y! w0 h, ?' bare any indication, we're poised for yet another busy spring. The banks ( V4 }) A) J' o, d8 Y
view this as the best time of year to get your attention by coming up $ _# i8 q1 b) b& g0 z# P
with new products or simply putting twists on old ideas.
4 Z1 T/ L$ n% u; { ?1 s: g2 [/ p X, F' i: v
Over the next few weeks we'll see a variety of new products and this
- D5 s+ _3 |) ^$ y. c; \year the early theme I'm seeing is banks getting more creative in an
4 ?0 W" \. n$ u6 V7 W3 p V5 Deffort to help you borrow more money. This is partly in response to growing
* Q- m% X4 g" j6 B, O% Mconcerns about the potential of rising rates. % i7 V' a3 U' T1 O4 h9 J! t) Q% P
% I1 R3 z g& K) R6 x gIn an effort to take the focus away from rates, look for two lenders to
5 P& q/ h' {" G( ncome out with 'True Equity' programs that will allow home buyers the 5 Z5 Q! E6 I* b; c% Y
ability to borrow up to 75% of the equity in their homes without having 8 \4 z5 u6 Q) w0 D R& }) A
to qualify based on their incomes. These programs were previously only
, o' \' D I' N' ]/ ]" ^5 i! U7 mavailable to self-employed borrowers. Income earners had to either put ) [0 m* S$ F. Q2 Q, t$ Y
more money down or pay higher rates. This will now be a mortgage based ! Z+ g' k" x, f+ j
on the equity and the rates will be fully discounted.
v! }9 d- U& h8 |Another product to keep an eye on is more lenders who will be combining
- W( ^1 t2 a) f* d" Bthe mortgage with the line of credit and creating a 'Global borrowing
. w9 B" h! s+ X1 \8 ?limit' that will be re-advanceable. More and more consumers will be 3 [1 U' o9 l) k; \. ?1 K
looking for these kind of products for tax planning and investment / s& z, ?; [ D W* C
strategies.
4 L9 }; @$ x+ G0 P- o; q
1 I) z" _: l& l) l+ XAnd speaking about investors, banks are starting to recognize the
; l4 K6 j9 W' N9 u: egrowing number of home owners who are buying multiple revenue properties for
+ }; s+ @* d8 y8 Y* Z2 A/ y8 }investments and we now have an 'Interest-Only' mortgage available for
! j4 A5 v* Q8 D: W4 t. Hself-employed borrowers on a 'Stated-income' basis for revenue
! V' K6 P+ Z& V& W$ Eproperties. This marks the first time a self-employed individual can use * Y7 m* p1 u* g5 I" h
'stated-income' to qualify for a revenue property. & B$ j. |8 M& ^. A* D5 X4 E
$ `. j4 Q& D6 [$ `2 a# L v/ \The interest rates will be higher for this product, but it is
* N- p/ K* T- f0 l8 A: \reflective of a growing trend towards American-Style lending practices. A prime
L/ v2 e7 J: e" m& nexample of an American trend influencing our banks will be longer / L* b9 H7 z) E( D1 Y& m1 e% k9 u
amortization periods. Canada has held tight on 25 year amortizations for . `* e9 c) j* |+ L3 v
years, up until now that is. A few lenders have announced 30 year 1 m d* T* l! m3 h! V
amortizations on CMHC insured mortgages at fully discounted interest rates.7 E& K" Z$ v% T+ \" V
' E0 w( [) U/ cFinally, in an effort to further take your attention away from the long 0 [, a$ F- S$ T# y1 h! A& C
term rates, look for lenders to get more creative with the discounts
! S2 M4 x9 P2 }; Y% v1 sthey offer on Variable Rate Mortgages. I fully expect to see stronger # X9 d; U7 C, }' _. ]4 B* V
competition in the form of creative 'front-end loaded' discounts and
C( b# O1 ~# [; bteaser rates that make it more confusing to compare an apple to an apple 0 z7 m' x7 I0 D+ Y( p
when shopping for the best mortgage option. It's going to be another busy
0 s9 a- o2 p5 } J4 @spring market and consumers are going to be faced with more choices
5 V. I5 _5 Q( c: w! O9 qthan ever before. The key, like always, is to get expert advice and
+ n+ V% r+ u; f* d- D$ W& T- J, W. eremember 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
