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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。0 g* A5 @# r% h# `* y
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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.
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5 {# P& n b1 r' C7 xSpring Is In The Air! In some markets in Canada it may feel like
% z+ e4 V' M V2 G% ~( r* z6 aSpring is starting to arrive. Each and every year in late February and 4 N4 y' O' e9 e0 \. }7 X
early March, the banks start rolling out their Spring market campaign of " [% Z- {' o2 o0 @2 _
new products in an effort to attract new consumers. And, if early signs
* M% o8 \- Q/ Oare any indication, we're poised for yet another busy spring. The banks 4 v# s5 V+ c! T" G9 C
view this as the best time of year to get your attention by coming up
: G7 D; }, m4 K/ F( e) f0 Swith new products or simply putting twists on old ideas. ; w4 ]4 q# r8 E' ?6 @0 G/ W
- w. L/ }1 t- L, Y) g4 L+ B( rOver the next few weeks we'll see a variety of new products and this 9 _4 u+ v0 j* Q, \* e/ V
year the early theme I'm seeing is banks getting more creative in an 5 _1 x( M# S( c
effort to help you borrow more money. This is partly in response to growing 1 ]2 Z5 ^& _: x: l
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
0 _2 I* z/ v9 T+ ]7 a l5 C( {" b+ fcome out with 'True Equity' programs that will allow home buyers the 6 u$ ~. Y/ v( G% }% o% }
ability to borrow up to 75% of the equity in their homes without having
) F/ C5 W0 N6 k/ p6 \& qto qualify based on their incomes. These programs were previously only ! V# s4 ~4 S3 _2 s
available to self-employed borrowers. Income earners had to either put
" Y" t+ {. {" q; O( L. ^more money down or pay higher rates. This will now be a mortgage based
$ I% n. Z# w) Don the equity and the rates will be fully discounted.
5 N- P- ~. R. @7 Q2 V: G! EAnother product to keep an eye on is more lenders who will be combining ; h* W! i( {, B
the mortgage with the line of credit and creating a 'Global borrowing
0 i: W; J2 A3 b2 \- ~6 Z, w4 olimit' that will be re-advanceable. More and more consumers will be
( h+ t# U1 b" Y0 x$ Z2 |looking for these kind of products for tax planning and investment , z! x @7 D0 A3 r& J1 h
strategies.
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( {7 [7 z1 K0 Z# ?/ B2 e% K zAnd speaking about investors, banks are starting to recognize the . C4 u6 x7 Z5 N, X1 i
growing number of home owners who are buying multiple revenue properties for
% n# k1 y- I1 p# W( d1 u" ginvestments and we now have an 'Interest-Only' mortgage available for
0 t1 s* ~ ^; r% U* Iself-employed borrowers on a 'Stated-income' basis for revenue ' I8 R% s7 g" @: H& A8 U
properties. This marks the first time a self-employed individual can use
4 h* T2 q% u- V6 k$ |% H'stated-income' to qualify for a revenue property. ( W) `: P; L8 c; [: l" g
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The interest rates will be higher for this product, but it is
$ f7 g, e: }. z j( ?* w% kreflective of a growing trend towards American-Style lending practices. A prime + z" j8 H, D3 I8 I8 m3 g
example of an American trend influencing our banks will be longer ) ?( V+ \3 P/ a
amortization periods. Canada has held tight on 25 year amortizations for
5 Y$ m) A% a( y; z$ e5 M; Iyears, up until now that is. A few lenders have announced 30 year
, u: j" f7 W Y5 Hamortizations on CMHC insured mortgages at fully discounted interest rates.% T! _1 M+ C0 Z1 n& Q
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Finally, in an effort to further take your attention away from the long
3 S/ ~: u! E* ]9 z" b6 x. Cterm rates, look for lenders to get more creative with the discounts
9 z, ^$ U% ?3 g# O4 h1 L! c) Jthey offer on Variable Rate Mortgages. I fully expect to see stronger ) A% ?( [4 Z0 k s9 I6 b7 m
competition in the form of creative 'front-end loaded' discounts and ' l0 m! O1 \" [. C
teaser rates that make it more confusing to compare an apple to an apple 6 E5 d9 c* }9 U3 o
when shopping for the best mortgage option. It's going to be another busy
" I0 H) }$ b/ [4 e# j2 jspring market and consumers are going to be faced with more choices
1 p1 O4 c) W6 t) ]/ _' R: hthan ever before. The key, like always, is to get expert advice and , o/ H; J/ K* G2 F( \
remember you have options. |
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