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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。
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. W! B& Q. S2 H. I1 g" f* j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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Spring Is In The Air! In some markets in Canada it may feel like {8 i. M/ K1 k" g5 T: @3 f
Spring is starting to arrive. Each and every year in late February and
. |9 x, z# S! q2 y+ qearly March, the banks start rolling out their Spring market campaign of
, s5 G, ~8 t3 B, gnew products in an effort to attract new consumers. And, if early signs
/ ~6 y1 {4 N* a) ~6 oare any indication, we're poised for yet another busy spring. The banks . U8 A6 [- D+ _3 H- @# A* `
view this as the best time of year to get your attention by coming up
) P8 P2 `. k$ o- 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 6 x G5 n4 _: L9 w( K. ? `
year the early theme I'm seeing is banks getting more creative in an
; z+ [* ~3 x0 g8 @( Weffort to help you borrow more money. This is partly in response to growing ! b* d: R( d, W
concerns about the potential of rising rates. ( j- L# P" v3 w) t$ S" Y& D
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In an effort to take the focus away from rates, look for two lenders to
) f6 o8 e% n1 J5 t- v. j, Tcome out with 'True Equity' programs that will allow home buyers the
) _/ s R/ s5 N$ Yability to borrow up to 75% of the equity in their homes without having 3 w' b8 F" }1 W/ T# t
to qualify based on their incomes. These programs were previously only
% c( m1 O y6 o( Q7 m! x6 Xavailable to self-employed borrowers. Income earners had to either put
* u4 Z7 s& `1 r- q; Xmore money down or pay higher rates. This will now be a mortgage based 7 g9 ^* r. W3 u
on the equity and the rates will be fully discounted.
# w$ t$ h) Y6 Y' q8 M3 IAnother product to keep an eye on is more lenders who will be combining f7 K2 z6 y Y+ q
the mortgage with the line of credit and creating a 'Global borrowing
/ I. A% c: }% r6 K: ]- x, X0 Zlimit' that will be re-advanceable. More and more consumers will be ! Y. i8 g1 H" b Z; ^! d; t: |1 C
looking for these kind of products for tax planning and investment 3 U/ l5 i5 u1 P& O
strategies. ( z: N+ K; ~$ N9 x. V1 D! Y
# \# o9 i0 [+ K% M6 tAnd speaking about investors, banks are starting to recognize the ! T, h, w, Y! g O
growing number of home owners who are buying multiple revenue properties for
* o d0 ]8 b+ \5 S) D, ^0 K! ninvestments and we now have an 'Interest-Only' mortgage available for
9 u& j) d3 A$ ~* ` L E# Dself-employed borrowers on a 'Stated-income' basis for revenue ' ] Y4 U- l; Q3 c+ O, g
properties. This marks the first time a self-employed individual can use & q9 ?) M8 U4 p8 p
'stated-income' to qualify for a revenue property.
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* y+ h, ~. @: d4 a' v8 s& YThe interest rates will be higher for this product, but it is
5 o0 b( D. c- Areflective of a growing trend towards American-Style lending practices. A prime
2 F6 }7 ?6 U4 k: Y1 u. t+ D' jexample of an American trend influencing our banks will be longer
- X6 r! `% d# E& B! qamortization periods. Canada has held tight on 25 year amortizations for
/ ~9 l" n% w/ m3 Y& E$ syears, up until now that is. A few lenders have announced 30 year
8 w6 }& \' y1 k5 }. Q6 b+ C1 Aamortizations 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
8 c/ r/ s2 e/ Y( U6 Rterm rates, look for lenders to get more creative with the discounts : d7 ^/ z: ?) ^ A
they offer on Variable Rate Mortgages. I fully expect to see stronger : ]9 |$ J$ ^4 }6 b* ^4 g( W
competition in the form of creative 'front-end loaded' discounts and / M+ A5 a8 L0 Q* k3 v! H! \
teaser rates that make it more confusing to compare an apple to an apple
" x" x' F0 `$ F, ?5 j, }+ O4 Qwhen shopping for the best mortgage option. It's going to be another busy & E% z) |8 j0 a! ^
spring market and consumers are going to be faced with more choices
* b. o$ g0 }3 d' O. M9 rthan ever before. The key, like always, is to get expert advice and ! {6 t2 ~ `$ O' A: p* \
remember you have options. |
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发表于 2006-5-7 20:26
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