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原帖由 dgg 于 2006-5-8 10:12 发表7 r2 [$ a9 V. `% w
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谢谢，请继续。) _$ a1 O# t; X/ [" Z* ]& p) h
2 j: _# D; ?" V& E0 k3 q2 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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- ?& F i" J$ i: s) T* x$ H" a9 M( E; aThe following article is written by Peter Kinch.
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+ G3 F' ~0 ~! OSpring Is In The Air! In some markets in Canada it may feel like D n. N; `! c+ w2 ^5 U+ V
Spring is starting to arrive. Each and every year in late February and : X) W2 }& h; a. d
early March, the banks start rolling out their Spring market campaign of
1 j: x/ |9 \# s) b0 |new products in an effort to attract new consumers. And, if early signs 9 f6 o$ e+ g; M* h* S, _% e. j4 U, U0 H5 A
are any indication, we're poised for yet another busy spring. The banks
' _" L! @+ P% }, [) l: @# zview this as the best time of year to get your attention by coming up ) s0 b/ Z1 P) |3 v
with new products or simply putting twists on old ideas. 7 C7 g3 Q0 F" h ?1 u7 l
, ~' M; @+ d( ^ i( M; c# }Over the next few weeks we'll see a variety of new products and this
( O. x8 z# T: r0 V4 X) nyear the early theme I'm seeing is banks getting more creative in an " A; W2 g6 e% t
effort to help you borrow more money. This is partly in response to growing
+ S) h3 Y" I+ ]2 cconcerns about the potential of rising rates. ; S( l( p; ~) H9 A1 z
. ^( M' B8 v# z$ J; r) KIn an effort to take the focus away from rates, look for two lenders to 5 M# ^7 g: O+ s2 \: y: U: s
come out with 'True Equity' programs that will allow home buyers the ( T D: ?7 Z4 O- B7 r% b, p
ability to borrow up to 75% of the equity in their homes without having 1 j/ g% o- S# `9 U5 Y3 r1 _) [
to qualify based on their incomes. These programs were previously only 2 A" R+ S. E5 y
available to self-employed borrowers. Income earners had to either put
f3 e) @7 B5 z. ymore money down or pay higher rates. This will now be a mortgage based $ W( p2 i1 u T+ A& I2 Q
on the equity and the rates will be fully discounted./ b; {. |+ x% i
Another product to keep an eye on is more lenders who will be combining
+ {5 J/ ]7 ?3 F4 E: Lthe mortgage with the line of credit and creating a 'Global borrowing " x8 T; h2 w4 p% ?% y7 A0 {. O
limit' that will be re-advanceable. More and more consumers will be , G2 R6 o' S' R3 R' {% A8 ~
looking for these kind of products for tax planning and investment
) W$ Z0 s6 g3 h# p8 \strategies.
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0 H8 I" T- I0 i' d3 L6 E' c, b9 eAnd speaking about investors, banks are starting to recognize the - ^ D3 l. Y. O( _! a
growing number of home owners who are buying multiple revenue properties for 4 b! I" L8 `2 I/ o& e- I; |
investments and we now have an 'Interest-Only' mortgage available for
; S6 @, R. u0 `' @8 iself-employed borrowers on a 'Stated-income' basis for revenue , B0 M9 F) b$ X3 L
properties. This marks the first time a self-employed individual can use
+ ~6 X6 s7 L9 e: ?+ ~% C'stated-income' to qualify for a revenue property. & [+ v W* A$ w4 e2 ]
8 G) F. i% T% }* c* gThe interest rates will be higher for this product, but it is
# l- l+ A9 {% s# C/ s8 rreflective of a growing trend towards American-Style lending practices. A prime
" W: S' q" I1 ^2 _' s8 x( q# ~5 Pexample of an American trend influencing our banks will be longer 7 _/ M- w: M Y; g2 E' e: Q( a
amortization periods. Canada has held tight on 25 year amortizations for 1 l# _7 f! i# I$ l+ t
years, up until now that is. A few lenders have announced 30 year
/ v' }) }' o( u/ u7 P) z) Eamortizations 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 + K" q- U/ d7 n# [
term rates, look for lenders to get more creative with the discounts ! _! I1 G6 Y- d+ F/ ]- D& f
they offer on Variable Rate Mortgages. I fully expect to see stronger " L$ h* [# \: l: j$ q8 Y9 _
competition in the form of creative 'front-end loaded' discounts and
6 x4 G2 b7 w+ p% J3 j4 ^6 Rteaser rates that make it more confusing to compare an apple to an apple . k$ G+ s1 S+ v% p* ~* b
when shopping for the best mortgage option. It's going to be another busy 0 z5 e( o/ |& Q0 d, Q( c( Q
spring market and consumers are going to be faced with more choices
5 L' A7 F4 ^7 n" C& @than ever before. The key, like always, is to get expert advice and " U0 h/ ^% ]7 H, }3 s7 E+ ~5 Z
remember you have options. |
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发表于 2006-5-7 20:26
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