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原帖由 dgg 于 2006-5-8 10:12 发表
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6 P( z" {4 `3 y$ m% D; N谢谢，请继续。3 V' r [8 T* ^5 O6 K" y0 ^3 K4 ]3 B
* s D" F# L- D0 b* y. _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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( `! Q" r( c6 i" _8 [$ [7 xThe following article is written by Peter Kinch.0 }* v8 k$ A% T5 \; D
& a% L/ G0 d# LSpring Is In The Air! In some markets in Canada it may feel like 4 Z5 `- N6 V% L) U, I/ h/ D9 m
Spring is starting to arrive. Each and every year in late February and
# A2 N# o& l& l. A+ B& Pearly March, the banks start rolling out their Spring market campaign of 3 h; T" z0 T' l3 c
new products in an effort to attract new consumers. And, if early signs
& z$ ?5 M. `: B" C1 n8 Bare any indication, we're poised for yet another busy spring. The banks
5 k) S2 E) b/ @' zview this as the best time of year to get your attention by coming up
V, ~0 P) D/ Z8 {# pwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this % b) ?5 J* d6 F7 N5 `4 r3 Y% g
year the early theme I'm seeing is banks getting more creative in an ! h0 {1 R2 N# l0 q9 X
effort to help you borrow more money. This is partly in response to growing
# H1 M# W+ i2 G1 F( @concerns about the potential of rising rates. 7 K% ]6 Z1 F2 I! m- ^; n
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In an effort to take the focus away from rates, look for two lenders to
$ p V& b8 v: ^ t: ocome out with 'True Equity' programs that will allow home buyers the
N' y! e8 c3 {" zability to borrow up to 75% of the equity in their homes without having
" y( J# _" E4 Y# ?9 xto qualify based on their incomes. These programs were previously only - F3 t1 z& R( F. Q, } \, K* I
available to self-employed borrowers. Income earners had to either put ' j0 [) p! _/ F$ x5 w* } k* o
more money down or pay higher rates. This will now be a mortgage based 1 K/ A4 t4 |8 ^% p) C
on the equity and the rates will be fully discounted.
$ A4 W" ~7 w; yAnother product to keep an eye on is more lenders who will be combining
& f5 C9 N* S7 x. a( @ w; Jthe mortgage with the line of credit and creating a 'Global borrowing
L; |% w2 n) [7 ~6 M u' m5 Rlimit' that will be re-advanceable. More and more consumers will be 8 C0 T( }4 }! H( i; V
looking for these kind of products for tax planning and investment , k% B' d$ r' w( c/ T
strategies.
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1 u4 `$ }: K$ X5 R0 p0 l9 p- C: `And speaking about investors, banks are starting to recognize the m$ Z% m% N" [# P: V
growing number of home owners who are buying multiple revenue properties for 0 ^8 K1 B5 {. G; M5 I/ U; G# @; W) Z
investments and we now have an 'Interest-Only' mortgage available for 6 B# ?1 b, i- t" g, ?7 Z
self-employed borrowers on a 'Stated-income' basis for revenue
- Y! A& P7 |4 x$ |1 `( Q( X" Aproperties. This marks the first time a self-employed individual can use . q6 C8 M7 D7 {
'stated-income' to qualify for a revenue property. 7 q" s D- h3 W% R
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The interest rates will be higher for this product, but it is
3 c$ l x' w5 A- E, \" wreflective of a growing trend towards American-Style lending practices. A prime
% m* B8 ?; X' |6 texample of an American trend influencing our banks will be longer - r# v& Y; M* |) h6 @2 P# }( ?6 k! T0 Q
amortization periods. Canada has held tight on 25 year amortizations for
$ L' P+ m3 M* s" T' s, Jyears, up until now that is. A few lenders have announced 30 year
2 ^. v8 \. J$ G: pamortizations on CMHC insured mortgages at fully discounted interest rates.) p* J% [. N' N1 m- b5 s$ W$ u
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Finally, in an effort to further take your attention away from the long ) L1 z( G+ A1 _6 |
term rates, look for lenders to get more creative with the discounts
+ ?0 f1 y7 k6 }) F' Q' \# V6 ]they offer on Variable Rate Mortgages. I fully expect to see stronger + I# ?% B8 E R7 O9 z
competition in the form of creative 'front-end loaded' discounts and % }- M: S5 H- J6 A/ K2 |
teaser rates that make it more confusing to compare an apple to an apple
! m; ?7 p) o8 A' ]3 Owhen shopping for the best mortgage option. It's going to be another busy
# f3 j: M. k& D% fspring market and consumers are going to be faced with more choices
+ {- k* r" q2 Z+ w+ v2 Ethan ever before. The key, like always, is to get expert advice and # \2 f: Y Y7 [) i F4 h
remember you have options. |
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