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原帖由 dgg 于 2006-5-8 10:12 发表4 R6 f6 M: u# B6 }& u# F
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谢谢，请继续。$ E0 n# T I ` C3 S2 n& ]# v
2 Q( \4 I; }! X& ^9 X, 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。
' G# x4 I0 \/ F4 dThe following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like
$ y: P1 v0 Q+ YSpring is starting to arrive. Each and every year in late February and - O0 x5 p6 z, X* n6 B8 i
early March, the banks start rolling out their Spring market campaign of " e) A' ~5 J6 r0 h
new products in an effort to attract new consumers. And, if early signs
6 o6 a& J, y" K6 _8 A% }are any indication, we're poised for yet another busy spring. The banks ' ~# p) \9 ~- W) |& W
view this as the best time of year to get your attention by coming up # x/ L, {* Z9 v; X8 ?+ {; o
with new products or simply putting twists on old ideas.
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S* A* h6 M) H' ]Over the next few weeks we'll see a variety of new products and this
/ Z& a. ?4 h; _year the early theme I'm seeing is banks getting more creative in an 7 ^8 Y4 S" V& K+ H# o' z8 W
effort to help you borrow more money. This is partly in response to growing
2 |5 ?# A/ U0 f/ }1 _: xconcerns about the potential of rising rates.
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: Z, Z1 B. M8 k; k3 Q2 ZIn an effort to take the focus away from rates, look for two lenders to $ z5 y5 x: y& c- F3 F& D7 n7 }
come out with 'True Equity' programs that will allow home buyers the 2 W/ W1 l; h& J
ability to borrow up to 75% of the equity in their homes without having 5 g2 u9 ]/ M7 P
to qualify based on their incomes. These programs were previously only
) L) t/ f6 E7 z$ i; X! N; B0 S7 Ravailable to self-employed borrowers. Income earners had to either put
1 H+ n+ ]# `% Vmore money down or pay higher rates. This will now be a mortgage based
& G. D8 `1 C9 O, @" @on the equity and the rates will be fully discounted.2 C& [5 a: P2 ~ _9 B0 T, C
Another product to keep an eye on is more lenders who will be combining
, d9 e5 G4 o, \7 D M/ ~1 _7 g kthe mortgage with the line of credit and creating a 'Global borrowing
2 W( a( w0 J U' U) T7 r" qlimit' that will be re-advanceable. More and more consumers will be
* M) a1 H" V: J, Q4 Dlooking for these kind of products for tax planning and investment 8 \: j9 w( G# p$ L2 N$ v% L( D8 E
strategies.
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And speaking about investors, banks are starting to recognize the 0 b: n5 J# ], v. }: u
growing number of home owners who are buying multiple revenue properties for l6 U$ I8 V# q% f* j
investments and we now have an 'Interest-Only' mortgage available for a) }9 ]. G1 ~1 M4 |- H8 P- ?7 o3 V
self-employed borrowers on a 'Stated-income' basis for revenue
3 W) m. R% d8 j: G. w8 N2 Oproperties. This marks the first time a self-employed individual can use
1 H: x8 h9 D% ^4 m* v; H4 @4 u* @'stated-income' to qualify for a revenue property.
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3 K4 }2 I4 t4 q/ u( Q. y: mThe interest rates will be higher for this product, but it is , {: H0 F7 g$ w7 L% T# s+ j
reflective of a growing trend towards American-Style lending practices. A prime 0 S* _- x" _ [
example of an American trend influencing our banks will be longer
( q2 o8 H- H! P; Eamortization periods. Canada has held tight on 25 year amortizations for , F/ c+ H, e9 z1 U$ g* l5 s
years, up until now that is. A few lenders have announced 30 year
' L, O, E& S/ a# U; N* P8 y3 Damortizations on CMHC insured mortgages at fully discounted interest rates., @7 z- Z# S7 V+ p; \
3 W* c* O* U7 Y+ [: Z0 I/ c) Q5 i: uFinally, in an effort to further take your attention away from the long
. n8 b. g6 A6 W; ?term rates, look for lenders to get more creative with the discounts + c) p3 p c# H# D6 m n% H
they offer on Variable Rate Mortgages. I fully expect to see stronger
. J4 ~- N( O. z5 Lcompetition in the form of creative 'front-end loaded' discounts and " G3 `; ^9 P. }2 p" f* f( j
teaser rates that make it more confusing to compare an apple to an apple
+ ?+ `4 Q4 Y& e, ^5 |when shopping for the best mortgage option. It's going to be another busy
4 K: X4 F6 R' @, p+ U( ^9 Mspring market and consumers are going to be faced with more choices " n; x" [# ^% ?
than ever before. The key, like always, is to get expert advice and ) \* w+ g9 ?! `8 m: c* n( @
remember you have options. |
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发表于 2006-5-7 20:26
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