 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表& q" X% Q9 M0 |* S
2 Y" ]* }# A& A5 W
9 U; O) s5 y" ^. B
谢谢，请继续。3 t6 k6 ^+ {# ?: E7 g* {
( d0 @0 }) \3 v6 A$ W
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。
9 y( c/ a' b' c/ R0 O2 I: WThe following article is written by Peter Kinch. S9 Q9 Z, t& p2 j4 x5 X/ v
1 R1 u* j) |& I2 Z- Q
Spring Is In The Air! In some markets in Canada it may feel like $ D/ t s% \" m3 ^3 s0 @7 |) I
Spring is starting to arrive. Each and every year in late February and - n8 a1 f% `' E
early March, the banks start rolling out their Spring market campaign of
% L6 q( Z8 U2 V/ H* ^1 }/ k# Mnew products in an effort to attract new consumers. And, if early signs
9 b3 c2 d+ x# V1 s' }+ Care any indication, we're poised for yet another busy spring. The banks - I5 ]! T$ M" }
view this as the best time of year to get your attention by coming up ; L# ]# g+ i# E# x; R7 G
with new products or simply putting twists on old ideas.
) @& d3 b1 X1 b! V+ F4 a/ }5 S9 p7 L: k6 [# U4 A
Over the next few weeks we'll see a variety of new products and this 0 S/ h$ z9 ~/ k: b, q$ T7 h
year the early theme I'm seeing is banks getting more creative in an
, b4 {2 G4 @" Eeffort to help you borrow more money. This is partly in response to growing ' \/ c4 b: g. Y( ^) R
concerns about the potential of rising rates. * p7 |! C& V& q( K2 P# I+ G
& G$ T& t; j/ a; S: N
In an effort to take the focus away from rates, look for two lenders to . l* f2 X4 M# h" ^, J
come out with 'True Equity' programs that will allow home buyers the + W9 L! z9 {2 ^) [- r J7 Q
ability to borrow up to 75% of the equity in their homes without having ) ^; m' @4 j( R" s6 p
to qualify based on their incomes. These programs were previously only 8 j+ U7 A# `7 N5 b: Z
available to self-employed borrowers. Income earners had to either put
; S; g0 V* \* Imore money down or pay higher rates. This will now be a mortgage based ; M5 a# r( G! M3 L/ s/ h
on the equity and the rates will be fully discounted.
# p& U' c' J. b8 W: i8 u( oAnother product to keep an eye on is more lenders who will be combining ; B" Z1 t& k/ f
the mortgage with the line of credit and creating a 'Global borrowing
& a# w) S+ [& j! T4 k, v! Qlimit' that will be re-advanceable. More and more consumers will be S% l* T0 N i
looking for these kind of products for tax planning and investment 3 V" Z+ C, s; O
strategies.
' m8 w8 w) |' [
* k' g+ C' e: mAnd speaking about investors, banks are starting to recognize the C2 b8 J% y$ n n
growing number of home owners who are buying multiple revenue properties for
" B( T1 j; q& m" o( \! J m( Ginvestments and we now have an 'Interest-Only' mortgage available for : ?# r, a6 g8 i1 }1 l* i5 s# K
self-employed borrowers on a 'Stated-income' basis for revenue
$ G" |1 ?0 p- fproperties. This marks the first time a self-employed individual can use
* Y- {% b! y7 ^+ Q% ^7 z'stated-income' to qualify for a revenue property. + n x( _, H9 f+ Q* C
' {! w/ d) ]: L" [" I" j) bThe interest rates will be higher for this product, but it is ; t* L, I, c z! g/ [% t
reflective of a growing trend towards American-Style lending practices. A prime % P( o, H" g* A5 u
example of an American trend influencing our banks will be longer / l/ u( ]9 X) H9 k
amortization periods. Canada has held tight on 25 year amortizations for % ~* h+ W6 Y/ N$ N1 N$ M% G
years, up until now that is. A few lenders have announced 30 year
* f1 {# f3 v n# c/ z! samortizations on CMHC insured mortgages at fully discounted interest rates.
+ v) A d- M3 G
) c" Y" o( B$ |& A# cFinally, in an effort to further take your attention away from the long
! o: X3 M3 s2 ?term rates, look for lenders to get more creative with the discounts
m- c! ] R/ n) Jthey offer on Variable Rate Mortgages. I fully expect to see stronger
" c2 X u/ P5 h5 n& ~9 ]% J: zcompetition in the form of creative 'front-end loaded' discounts and
. W, A- v U2 g7 \8 Y- gteaser rates that make it more confusing to compare an apple to an apple
7 Z/ ~5 p/ F X3 g ^2 W6 G. [when shopping for the best mortgage option. It's going to be another busy
' _( r& c3 C, \; R% h0 z: sspring market and consumers are going to be faced with more choices
. h- U7 V1 d: K" f9 P1 v2 Y- M4 Bthan ever before. The key, like always, is to get expert advice and 0 C1 m2 q+ a0 E% J2 @4 p
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
