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原帖由 dgg 于 2006-5-8 10:12 发表
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8 R" i" u' g# I. ^" m- E- r" g8 x谢谢，请继续。/ j$ h& O% x: K4 y) R6 Y
, ^: H. D. {8 d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。
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6 W3 c$ `- ~1 }9 {' G# z0 y KThe following article is written by Peter Kinch./ W/ L5 l1 w0 X$ M- z' i
# V8 o( H- _3 P( `6 PSpring Is In The Air! In some markets in Canada it may feel like # }. i, o( u# x# `
Spring is starting to arrive. Each and every year in late February and ! e0 b5 G, k. ^; O9 P9 h7 W9 a
early March, the banks start rolling out their Spring market campaign of
5 p! |0 |) G- q8 d0 Tnew products in an effort to attract new consumers. And, if early signs - Y% q+ Z$ B& @5 u
are any indication, we're poised for yet another busy spring. The banks " Q# w0 E: W# x' x2 W
view this as the best time of year to get your attention by coming up " a3 M. ?+ s: [
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this ( Z+ f5 X1 w1 m, a4 t
year the early theme I'm seeing is banks getting more creative in an & Z& \+ X" R* c; I, A0 n
effort to help you borrow more money. This is partly in response to growing
& d( [2 {; I" ~$ t( zconcerns about the potential of rising rates.
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5 U) r9 N+ \" o6 x# ~ k1 G" qIn an effort to take the focus away from rates, look for two lenders to
' I) U1 N C6 F/ q1 U) E1 Ycome out with 'True Equity' programs that will allow home buyers the
. ^" W+ l3 [# Oability to borrow up to 75% of the equity in their homes without having
; O) e/ R* z/ X3 F1 |& b2 B, wto qualify based on their incomes. These programs were previously only
) E6 U% W, T1 e4 D$ S) k0 Yavailable to self-employed borrowers. Income earners had to either put ( h7 ?+ c- p, J( c# e
more money down or pay higher rates. This will now be a mortgage based
" X8 C; q+ v7 g& Yon the equity and the rates will be fully discounted.6 @% M; z' Y1 @$ v4 A0 I
Another product to keep an eye on is more lenders who will be combining
! q4 y- z4 Y# E) C6 d4 Tthe mortgage with the line of credit and creating a 'Global borrowing
6 R; E1 {7 w, ?2 v$ Z1 ?limit' that will be re-advanceable. More and more consumers will be
7 V0 Y5 |4 t& Plooking for these kind of products for tax planning and investment ; L6 Z! h! J- i0 P, y. x2 |
strategies.
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And speaking about investors, banks are starting to recognize the
: w% N) v5 k4 a, P2 p# Z4 Mgrowing number of home owners who are buying multiple revenue properties for
# z( l' B b: P" ]investments and we now have an 'Interest-Only' mortgage available for " L3 L: o9 `5 I b2 v$ y0 W
self-employed borrowers on a 'Stated-income' basis for revenue
8 V- Y+ I: k* [! _; a6 p* b' |properties. This marks the first time a self-employed individual can use
( }+ u+ p3 o- N4 ~! E) B- ^- S'stated-income' to qualify for a revenue property.
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8 [0 ^6 M9 @. B! X9 M' a% dThe interest rates will be higher for this product, but it is % }9 n! l* I* m! v
reflective of a growing trend towards American-Style lending practices. A prime
% k! X4 L9 \0 q2 @0 S. Oexample of an American trend influencing our banks will be longer & W4 N* U$ f* }3 S; N. F: F! @
amortization periods. Canada has held tight on 25 year amortizations for
' R. D" }9 u! w% B2 B' J. ]# Byears, up until now that is. A few lenders have announced 30 year ( X! M1 ^9 i) \* J; |! J
amortizations on CMHC insured mortgages at fully discounted interest rates.1 l7 {# v% k; U0 \
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Finally, in an effort to further take your attention away from the long
6 D! d7 m- a# [( f, I& Z0 o: |term rates, look for lenders to get more creative with the discounts * U4 T& P) `6 F2 t
they offer on Variable Rate Mortgages. I fully expect to see stronger
" { g8 I# y9 I* x! z1 o2 E' @* Gcompetition in the form of creative 'front-end loaded' discounts and
' _* W6 A3 `7 tteaser rates that make it more confusing to compare an apple to an apple * L _* J1 G3 o# d
when shopping for the best mortgage option. It's going to be another busy
$ j! ` X0 D( q. W Mspring market and consumers are going to be faced with more choices ' Y/ g7 R: L5 W4 w* X
than ever before. The key, like always, is to get expert advice and
# U" ]0 f- V# f6 L4 Bremember you have options. |
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发表于 2006-5-7 20:26
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