 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表5 W; S8 z1 B, v) o7 a# B
9 z0 y3 R! X! E; W9 S U
3 A2 D+ k* \4 ?, R3 |. g谢谢，请继续。
, \# s- s5 |) M$ P3 ?
6 v( F) t3 c+ |. u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。
# G( n1 x m4 t3 |. i. e# nThe following article is written by Peter Kinch.
, M2 P# g1 D6 `# i% W' @8 u; w1 n- W4 b" z, O
Spring Is In The Air! In some markets in Canada it may feel like 7 \1 o$ r8 ^* f& |# c
Spring is starting to arrive. Each and every year in late February and , i; a9 E$ v( B; W) w* }
early March, the banks start rolling out their Spring market campaign of 3 R) p3 K, Z: t X5 A# B9 n! r
new products in an effort to attract new consumers. And, if early signs + t* ~( h9 h/ G; t9 u# n m9 x
are any indication, we're poised for yet another busy spring. The banks
$ B/ b; j- c/ ] Q4 b) [1 F/ Mview this as the best time of year to get your attention by coming up % n6 g" Q4 G+ W0 w8 `# o
with new products or simply putting twists on old ideas. / L: q, s9 m1 X
_+ V |" H. cOver the next few weeks we'll see a variety of new products and this $ T( t+ H( D0 m! h( |
year the early theme I'm seeing is banks getting more creative in an
( r" `" `) h$ n0 c7 F2 Seffort to help you borrow more money. This is partly in response to growing
$ T0 P) n" o2 K8 i& }. B0 Aconcerns about the potential of rising rates. 6 Q2 a g' B+ G7 R
c) p! D+ r: v4 V0 j0 E
In an effort to take the focus away from rates, look for two lenders to
( \4 d: j/ N/ X" l1 ]come out with 'True Equity' programs that will allow home buyers the 1 \0 O/ v V4 [* z
ability to borrow up to 75% of the equity in their homes without having
# A3 @4 s; R# Uto qualify based on their incomes. These programs were previously only
7 C: {. I# g, h( q* s) j; savailable to self-employed borrowers. Income earners had to either put
0 q; B' E% `9 I1 N" R5 j% i( Umore money down or pay higher rates. This will now be a mortgage based * E5 \3 d; P; S* Z3 g
on the equity and the rates will be fully discounted.
8 |7 V+ S, I3 mAnother product to keep an eye on is more lenders who will be combining
: E% n( }; p m# O0 {/ o8 G) O) qthe mortgage with the line of credit and creating a 'Global borrowing
b9 y1 \) Y5 A" blimit' that will be re-advanceable. More and more consumers will be
$ z- g& h/ k8 T) [# \+ B* S% K+ Ulooking for these kind of products for tax planning and investment
% j; d/ O- H. e0 ^/ Qstrategies. 8 a+ k. g* O9 P
" S& M3 U2 O, WAnd speaking about investors, banks are starting to recognize the 9 V+ l" L6 u; y( Z9 t
growing number of home owners who are buying multiple revenue properties for 0 Z. v- A. T' E: p
investments and we now have an 'Interest-Only' mortgage available for 7 Y9 ~1 X% Y+ n/ @* w3 b4 E
self-employed borrowers on a 'Stated-income' basis for revenue 4 ~* e3 V" z8 q; c
properties. This marks the first time a self-employed individual can use
9 o# K5 z3 P u7 c'stated-income' to qualify for a revenue property.
8 V& n% }3 |! M5 j; B7 R* l% F4 b
3 s' `, x" W0 Y& uThe interest rates will be higher for this product, but it is ! y7 Y) W. w3 f& N8 Y
reflective of a growing trend towards American-Style lending practices. A prime
B$ K. ^/ W$ g( z9 k5 ^% r% sexample of an American trend influencing our banks will be longer
1 e( T6 a7 q; hamortization periods. Canada has held tight on 25 year amortizations for
. q; i I2 e7 O) ^% B" O+ wyears, up until now that is. A few lenders have announced 30 year ) n# `7 K+ Y/ J) F! U$ R
amortizations on CMHC insured mortgages at fully discounted interest rates.6 G' Q2 u2 l. a
! _' M& }" B' [" r8 I, x/ RFinally, in an effort to further take your attention away from the long ) x [/ i: G7 C( W" k9 h) x
term rates, look for lenders to get more creative with the discounts
& u0 H+ c# e5 ]; e7 {0 ^( t' f2 bthey offer on Variable Rate Mortgages. I fully expect to see stronger . P. m Q7 v" c* m- h( ^% Z
competition in the form of creative 'front-end loaded' discounts and , r# V6 [: m/ G( K$ Y7 e. {
teaser rates that make it more confusing to compare an apple to an apple
' @1 F7 l9 X3 w2 N% X. Ewhen shopping for the best mortgage option. It's going to be another busy
8 W9 v0 L& K! `7 Q0 o3 F% F0 bspring market and consumers are going to be faced with more choices
& o; M" g0 c( l; {& Bthan ever before. The key, like always, is to get expert advice and
) b, ^0 T" U9 I A& w: t, T2 Kremember 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
