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原帖由 dgg 于 2006-5-8 10:12 发表! d9 `7 i- K5 u8 n8 N& t
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谢谢，请继续。
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! A; H( n. T" V( |9 a0 N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.% |1 N1 P X% ^# d
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Spring Is In The Air! In some markets in Canada it may feel like ( Q% V) ?' }/ j9 ~
Spring is starting to arrive. Each and every year in late February and
/ T5 _' p) B3 x) K* pearly March, the banks start rolling out their Spring market campaign of
) Z7 d9 t5 h" I! ?new products in an effort to attract new consumers. And, if early signs [; T3 I/ [7 _
are any indication, we're poised for yet another busy spring. The banks
/ B9 B5 ?1 s, K5 C4 zview this as the best time of year to get your attention by coming up ; C( M& b9 Y) ]( z8 `/ M) v( A
with new products or simply putting twists on old ideas. ) {( b5 E) T! s
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Over the next few weeks we'll see a variety of new products and this 2 L: i2 k \, _' s2 b- A
year the early theme I'm seeing is banks getting more creative in an ; ?5 {! u, ]: I& g1 @) {
effort to help you borrow more money. This is partly in response to growing
; j* g1 |' w' U, N1 `6 e4 v9 O) mconcerns about the potential of rising rates. : f: r! p8 N1 {7 v. L W5 X
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In an effort to take the focus away from rates, look for two lenders to . Z9 f! s) N4 Q3 b. u
come out with 'True Equity' programs that will allow home buyers the , ^, Z9 t! o. I9 i
ability to borrow up to 75% of the equity in their homes without having
$ [4 ~$ x% G# L0 [0 Kto qualify based on their incomes. These programs were previously only ( _/ c1 n$ x) G* C6 d: _
available to self-employed borrowers. Income earners had to either put
& }3 n; P5 d9 Y Y6 O K4 Imore money down or pay higher rates. This will now be a mortgage based
; y O& n. G0 a1 M$ O8 n4 w2 b7 |# [on the equity and the rates will be fully discounted.
$ t z, q C; n- K7 n# G7 {Another product to keep an eye on is more lenders who will be combining 0 J. c/ f% I/ u0 J' @2 C1 H
the mortgage with the line of credit and creating a 'Global borrowing
1 {# ?- }1 w/ J7 A4 }4 slimit' that will be re-advanceable. More and more consumers will be ( c W- o6 l- V1 l2 ] j5 c
looking for these kind of products for tax planning and investment ]8 f& Y W1 `9 _2 B6 p, g
strategies.
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+ A7 [! x% Y4 N, y4 W. fAnd speaking about investors, banks are starting to recognize the
& z5 ~) X: r; z' I1 ^growing number of home owners who are buying multiple revenue properties for . V4 N" E t( X
investments and we now have an 'Interest-Only' mortgage available for t4 h* V9 n" ^: Y4 H
self-employed borrowers on a 'Stated-income' basis for revenue 8 k) o; E2 |: Y, I9 p- v6 `
properties. This marks the first time a self-employed individual can use l" h9 j: l' l7 @* m
'stated-income' to qualify for a revenue property. ; N P$ O" a$ X4 b& p2 l# A
! a! Q' T( t6 g% iThe interest rates will be higher for this product, but it is
$ e: F+ e1 F* n/ kreflective of a growing trend towards American-Style lending practices. A prime
6 y9 |4 ^5 p/ A* q/ S# @, nexample of an American trend influencing our banks will be longer
E6 K9 ~& g8 J! N2 v4 |amortization periods. Canada has held tight on 25 year amortizations for
8 Y' c5 |6 @1 S9 k' E" ryears, up until now that is. A few lenders have announced 30 year 4 u) ?* b7 E* i" d4 K6 W& _
amortizations on CMHC insured mortgages at fully discounted interest rates.) B9 Q/ c+ f+ l" e( S
2 v& Y. L8 M; ^, BFinally, in an effort to further take your attention away from the long
% T0 N$ h2 v6 X: h3 i0 W \% k- |! nterm rates, look for lenders to get more creative with the discounts
4 L& m X0 @/ H: gthey offer on Variable Rate Mortgages. I fully expect to see stronger , ?8 ]3 L- s: M) v e' q
competition in the form of creative 'front-end loaded' discounts and ! o2 G* ?3 J% I7 g, J2 }
teaser rates that make it more confusing to compare an apple to an apple 3 Y, T p' d# L- y" f' g
when shopping for the best mortgage option. It's going to be another busy : a! c5 f5 h9 j
spring market and consumers are going to be faced with more choices ' l1 z4 n( L4 ]: z
than ever before. The key, like always, is to get expert advice and ! Y3 |+ \2 e( S
remember you have options. |
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发表于 2006-5-7 20:26
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