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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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; [" B% \' v& W0 u; g$ 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。
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4 |( ~) R, Z" }4 bThe following article is written by Peter Kinch.7 u3 G4 _. q q5 m
6 _) h# M0 K3 u1 |, Y1 qSpring Is In The Air! In some markets in Canada it may feel like 0 n3 S3 C4 R* g4 F3 o5 P: _
Spring is starting to arrive. Each and every year in late February and 6 H5 h* e7 z& x, o6 M7 V+ x
early March, the banks start rolling out their Spring market campaign of
, E& _4 b7 Z5 ^4 m& qnew products in an effort to attract new consumers. And, if early signs
9 p* z* I1 x+ V8 R2 Kare any indication, we're poised for yet another busy spring. The banks , X z1 D W, b& `# p- T, `- b6 C) e( M
view this as the best time of year to get your attention by coming up . a7 m: X1 o2 Y) ~
with new products or simply putting twists on old ideas. 1 r- }, A0 |7 O. a
8 d4 t% L; N. ?* MOver the next few weeks we'll see a variety of new products and this
$ E T4 q O" L! K& Fyear the early theme I'm seeing is banks getting more creative in an
& _* \( e0 F& O0 geffort to help you borrow more money. This is partly in response to growing ' l6 w6 ^- i. n/ T
concerns about the potential of rising rates.
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* S- o8 [5 b: j: D' YIn an effort to take the focus away from rates, look for two lenders to & O# ]& t; Z2 H! c( `
come out with 'True Equity' programs that will allow home buyers the $ r2 A6 u Z3 x$ B* Z, V; u Z2 v
ability to borrow up to 75% of the equity in their homes without having ( W# V8 m- S: I! ?4 k# q! v& u$ ?
to qualify based on their incomes. These programs were previously only
/ n; Q$ Y2 c% J1 m7 G# savailable to self-employed borrowers. Income earners had to either put & W4 N$ R+ o/ ?# R. h" E; }8 _! t" }
more money down or pay higher rates. This will now be a mortgage based
# _- n* Y0 _! Mon the equity and the rates will be fully discounted.
+ f( }8 `/ ~+ S; cAnother product to keep an eye on is more lenders who will be combining - _3 k' y% p2 C& G
the mortgage with the line of credit and creating a 'Global borrowing
& Z6 u9 z* j$ Rlimit' that will be re-advanceable. More and more consumers will be 4 p4 Y& T' l3 { M" ]
looking for these kind of products for tax planning and investment # ?) a2 N8 a7 F" B; o* z- Z- y& @, {6 M
strategies.
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* l3 Y$ k" r& M( Q4 eAnd speaking about investors, banks are starting to recognize the
4 G/ | k( k+ {& f" N9 C) e. {$ S9 Ggrowing number of home owners who are buying multiple revenue properties for
3 Z% S5 \" V2 R. Minvestments and we now have an 'Interest-Only' mortgage available for 8 u9 r# E$ q/ `# y' ~; I- [
self-employed borrowers on a 'Stated-income' basis for revenue
: P M2 X7 v. F g; ^* a# l: Mproperties. This marks the first time a self-employed individual can use
) L$ X+ x) `; ~( E'stated-income' to qualify for a revenue property.
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2 x- ?) l, _! g: a1 c' F vThe interest rates will be higher for this product, but it is
4 M0 x- h. `6 m) G2 Creflective of a growing trend towards American-Style lending practices. A prime
- ^1 _* j% I. h2 |example of an American trend influencing our banks will be longer
; F! [) O( ?9 Q. e+ ^; aamortization periods. Canada has held tight on 25 year amortizations for , Y# x& Q5 C, r
years, up until now that is. A few lenders have announced 30 year 4 e& i- r# Q0 U! _* [
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
# R; P. V ~! d0 X. \ xterm rates, look for lenders to get more creative with the discounts ( x8 t9 x+ [ ~7 G
they offer on Variable Rate Mortgages. I fully expect to see stronger
+ I2 A" c6 a9 Z4 `3 f8 U9 |; Gcompetition in the form of creative 'front-end loaded' discounts and 0 K$ @! q+ U6 M6 k0 @% z
teaser rates that make it more confusing to compare an apple to an apple
( E' N) L/ {' x: F8 E3 {0 Nwhen shopping for the best mortgage option. It's going to be another busy
6 Q# r4 g- {& b/ H4 O4 {2 t! ospring market and consumers are going to be faced with more choices
9 X$ E$ G8 R+ j% Q5 p. Zthan ever before. The key, like always, is to get expert advice and
' @9 s9 i& M' k1 |* J! _, X Xremember you have options. |
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发表于 2006-5-7 20:26
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