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原帖由 dgg 于 2006-5-8 10:12 发表4 g) h$ Q h Q! q
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0 L3 K7 U6 ^9 n% l+ _! n7 \谢谢，请继续。: m. g: \. P" o
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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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The following article is written by Peter Kinch.2 L$ N' v- G/ d2 e& ?3 \% ^4 M
; L7 ~7 m; e! [& vSpring Is In The Air! In some markets in Canada it may feel like
& q6 U4 n2 t) Y; j7 ]# t7 j6 D8 Z+ }Spring is starting to arrive. Each and every year in late February and 7 z# I$ ^1 g9 o5 i. t# {0 Z8 t' B
early March, the banks start rolling out their Spring market campaign of 7 `) x0 h) O3 Q* x
new products in an effort to attract new consumers. And, if early signs 2 Z- u/ d$ G- O+ |5 _
are any indication, we're poised for yet another busy spring. The banks 5 o( V3 k! B7 e7 ?( e7 D) K
view this as the best time of year to get your attention by coming up , E% W- g4 @# U8 g/ E
with new products or simply putting twists on old ideas. 3 ~, Z7 L4 F+ P: V5 i2 p8 v
" d1 T" D3 ]+ eOver the next few weeks we'll see a variety of new products and this " |1 g$ D# {8 Y: p
year the early theme I'm seeing is banks getting more creative in an - ~' {4 B: I- @+ M' d
effort to help you borrow more money. This is partly in response to growing 0 W6 `$ n% E( v6 o( p" i! O! x K
concerns about the potential of rising rates.
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& G8 I; L1 D5 D" r7 z FIn an effort to take the focus away from rates, look for two lenders to 0 b) P- E- |- K& m; V
come out with 'True Equity' programs that will allow home buyers the , }( r( [! X0 M2 l5 {4 X& a
ability to borrow up to 75% of the equity in their homes without having 0 x* ?9 u+ U( i/ Q1 }
to qualify based on their incomes. These programs were previously only
" g6 g, U, d- \0 H9 M# r9 s0 Wavailable to self-employed borrowers. Income earners had to either put
$ o9 O8 S% G3 hmore money down or pay higher rates. This will now be a mortgage based
# {' [9 y: I4 T+ t& q2 ]+ g5 Non the equity and the rates will be fully discounted.9 H5 M$ \: r& X
Another product to keep an eye on is more lenders who will be combining
2 U) d/ }) a. K. ]the mortgage with the line of credit and creating a 'Global borrowing
9 d! O4 c( i* M2 A2 j: p( Glimit' that will be re-advanceable. More and more consumers will be + r# @* F2 B: J) A+ t g0 y
looking for these kind of products for tax planning and investment / M1 l9 b( S6 b
strategies.
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8 D6 P9 D o0 ^And speaking about investors, banks are starting to recognize the
+ B4 M+ w7 q0 L$ ]growing number of home owners who are buying multiple revenue properties for
3 n9 g o& a- v/ M8 v6 R( Pinvestments and we now have an 'Interest-Only' mortgage available for 6 P7 Z7 y) { l
self-employed borrowers on a 'Stated-income' basis for revenue : k$ h0 F$ Q% R; a
properties. This marks the first time a self-employed individual can use 0 P f8 Y: z' G* w+ n4 |
'stated-income' to qualify for a revenue property. ) B# B7 @& D [* n+ }
3 R) n# n8 S) VThe interest rates will be higher for this product, but it is
+ Y+ v! m$ K; m' Ireflective of a growing trend towards American-Style lending practices. A prime
6 I2 ~" Y; f/ Kexample of an American trend influencing our banks will be longer , ~8 _9 M/ h& b3 V8 N
amortization periods. Canada has held tight on 25 year amortizations for
! ^5 e; k8 n. h2 cyears, up until now that is. A few lenders have announced 30 year ( q8 q0 J( e$ B x' V' N
amortizations on CMHC insured mortgages at fully discounted interest rates.% V$ o+ d9 f- ~) O: V! m
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Finally, in an effort to further take your attention away from the long
5 `. B/ Z: @. B2 ~# R. p- e \+ H; lterm rates, look for lenders to get more creative with the discounts . h3 ~. K! `9 g U" i
they offer on Variable Rate Mortgages. I fully expect to see stronger
& b- R+ Q) K: I: L' i/ G' ?, Xcompetition in the form of creative 'front-end loaded' discounts and
6 M8 K( B4 x% k7 t4 E# eteaser rates that make it more confusing to compare an apple to an apple
/ V" E4 M7 u' j3 ], swhen shopping for the best mortgage option. It's going to be another busy 1 N: `: ~' h% b# R: ?4 _2 l$ S
spring market and consumers are going to be faced with more choices ' \: H/ ~/ q. Y M( g
than ever before. The key, like always, is to get expert advice and , F0 g) c% c* e: k# f
remember you have options. |
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发表于 2006-5-7 20:26
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