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原帖由 dgg 于 2006-5-8 10:12 发表) t7 k5 Y' ^0 Z8 i9 w( _
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谢谢，请继续。
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, o; w4 X4 X o9 |# e 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。
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The following article is written by Peter Kinch.' O4 H- W* t! M% r% \3 n$ b% ~
; s/ L" `: a( I/ D* DSpring Is In The Air! In some markets in Canada it may feel like 6 P2 F* w; t- V; P1 H1 u: V
Spring is starting to arrive. Each and every year in late February and
* m# ?' y, g3 k% u% Qearly March, the banks start rolling out their Spring market campaign of
9 z" w( b# b8 Q5 H" e2 cnew products in an effort to attract new consumers. And, if early signs
/ n8 I$ U5 b& r; |. dare any indication, we're poised for yet another busy spring. The banks A- ~: S( a6 c, f8 T0 }5 s, w
view this as the best time of year to get your attention by coming up 5 [: t. V' S! [3 a) V8 _1 I
with new products or simply putting twists on old ideas.
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& d* [/ |" v/ `( D; E- S& JOver the next few weeks we'll see a variety of new products and this
9 B& k: H# L5 h. j C, D% O myear the early theme I'm seeing is banks getting more creative in an 3 U& y) t3 Q% ]% H0 l" }
effort to help you borrow more money. This is partly in response to growing
& F6 M) g" a, p7 ]! {2 g: n) Cconcerns about the potential of rising rates.
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+ K) ]+ t+ q6 c L/ K: ~" Q; iIn an effort to take the focus away from rates, look for two lenders to
3 x$ k% t- L. ?' A6 bcome out with 'True Equity' programs that will allow home buyers the 9 _. ~; @1 q* E# j& }' _+ V$ U
ability to borrow up to 75% of the equity in their homes without having ! \& \! T( v1 U
to qualify based on their incomes. These programs were previously only
$ U$ c1 M! m5 x$ i0 n" T& f$ Yavailable to self-employed borrowers. Income earners had to either put
% o3 a( Q) K6 o7 _8 G; x3 o1 J/ dmore money down or pay higher rates. This will now be a mortgage based / ]& k% V2 O/ q
on the equity and the rates will be fully discounted./ x( |0 @; T/ m f, O
Another product to keep an eye on is more lenders who will be combining . k, M" i9 a! n. W1 ]: ~7 q% o3 ]; Y
the mortgage with the line of credit and creating a 'Global borrowing . k# c6 y) v5 ^3 o5 ~6 C; W4 T& _* C
limit' that will be re-advanceable. More and more consumers will be * _. z8 G7 O J, A7 Y; c
looking for these kind of products for tax planning and investment % L5 Q- u1 x; G9 l6 }
strategies.
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- a$ o5 t' J7 p9 g: nAnd speaking about investors, banks are starting to recognize the + `5 n. s6 L: ~1 Q- B. t
growing number of home owners who are buying multiple revenue properties for
) C3 b% Y; Q1 Kinvestments and we now have an 'Interest-Only' mortgage available for - o$ t: f8 D% m1 I' C
self-employed borrowers on a 'Stated-income' basis for revenue
8 A. x5 D) m# G8 d2 oproperties. This marks the first time a self-employed individual can use
) r1 ?2 [1 B6 e I' C' K'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
9 e+ O n. v/ i, J' k$ N' z' V ereflective of a growing trend towards American-Style lending practices. A prime
* Z* G5 }9 u) [! h) e) Cexample of an American trend influencing our banks will be longer
" Y; ^& G& e8 G' m( p) t1 Q4 hamortization periods. Canada has held tight on 25 year amortizations for $ u7 y' z) \6 m
years, up until now that is. A few lenders have announced 30 year * X* Y( `: l# A1 z$ i
amortizations on CMHC insured mortgages at fully discounted interest rates.! M( O( X; Q4 V5 s8 \6 i3 L
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Finally, in an effort to further take your attention away from the long ' V: s1 s' D( ~2 M
term rates, look for lenders to get more creative with the discounts
" t! L. }; @8 u: d/ sthey offer on Variable Rate Mortgages. I fully expect to see stronger
! [4 Y6 d1 N8 ]competition in the form of creative 'front-end loaded' discounts and ) b( b/ K0 }% |5 ~6 c$ f6 e3 g3 I
teaser rates that make it more confusing to compare an apple to an apple & D; Y$ d: P! `, T0 c9 O& q) c
when shopping for the best mortgage option. It's going to be another busy , W- b! A) [# S) V% N7 |" W Z
spring market and consumers are going to be faced with more choices ; X6 f; h9 G4 e' u
than ever before. The key, like always, is to get expert advice and * y1 K6 y9 o: F) }1 v l, ^+ a
remember you have options. |
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发表于 2006-5-7 20:26
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