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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。) R4 y9 E. \6 A8 @/ r4 u" U- r% \
! h9 ^2 w5 j0 Y% N% C/ G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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$ N, d; b- Y4 r# l! S; n# BThe following article is written by Peter Kinch.; u1 a6 b! O5 g6 l/ Z! D( R
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Spring Is In The Air! In some markets in Canada it may feel like
/ x% R; M7 t$ ^7 ]* \Spring is starting to arrive. Each and every year in late February and
# n7 |4 T, J/ [) r1 s/ g2 ^. v0 xearly March, the banks start rolling out their Spring market campaign of , P1 U, u ?+ E4 E/ o
new products in an effort to attract new consumers. And, if early signs 9 V' R+ d5 U$ s# t
are any indication, we're poised for yet another busy spring. The banks
) z. d" x& `( P% \. K* b6 Vview this as the best time of year to get your attention by coming up 1 R1 X/ c, I3 m2 d, X$ e# _
with new products or simply putting twists on old ideas. - O& ]% W& e, l8 Z& F, p" [
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Over the next few weeks we'll see a variety of new products and this : S+ b. F6 d* M, b7 K$ X; Z
year the early theme I'm seeing is banks getting more creative in an * _& V+ @8 O5 F' b% Y$ Q2 I; ~
effort to help you borrow more money. This is partly in response to growing ; g b# c) v8 Y
concerns about the potential of rising rates. $ \$ |8 ]9 U4 ^
" J1 u& F# d. l- W0 {1 ZIn an effort to take the focus away from rates, look for two lenders to ' Y z8 c+ ^) F- T
come out with 'True Equity' programs that will allow home buyers the
, O) J n% J7 r# u( w- ^, `+ K/ sability to borrow up to 75% of the equity in their homes without having
& r& Y! R8 P# x' j* O* \/ Q3 r, `# ]to qualify based on their incomes. These programs were previously only
. S; ?7 t! I2 N2 havailable to self-employed borrowers. Income earners had to either put ' H+ y4 C; f& F6 X! P
more money down or pay higher rates. This will now be a mortgage based
) U9 K3 O. K! c3 l1 ron the equity and the rates will be fully discounted.
$ f+ T2 I. {1 R7 l$ IAnother product to keep an eye on is more lenders who will be combining # E6 Y9 V& d! {% U, a& t
the mortgage with the line of credit and creating a 'Global borrowing , O' w. _+ A/ ?# G: M
limit' that will be re-advanceable. More and more consumers will be
: c! U9 [# R( s5 s0 R* v: {( nlooking for these kind of products for tax planning and investment
1 k$ j3 o y! kstrategies.
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. x/ k- _+ q& H/ n# }& N/ sAnd speaking about investors, banks are starting to recognize the ! i3 P }; [- q: d
growing number of home owners who are buying multiple revenue properties for $ w- |0 E6 g0 O6 p) W1 ^6 R- z8 ]
investments and we now have an 'Interest-Only' mortgage available for
) K; h+ x7 B" aself-employed borrowers on a 'Stated-income' basis for revenue
, Y, Y" c0 o- b; B5 b* fproperties. This marks the first time a self-employed individual can use
$ B- Z" e3 \2 i& X7 q'stated-income' to qualify for a revenue property.
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' n1 W: M& }8 j4 DThe interest rates will be higher for this product, but it is
( N7 N0 L; ?1 b/ k1 M. Lreflective of a growing trend towards American-Style lending practices. A prime
; v {" v8 F( P" }+ w; ~6 ~* A- cexample of an American trend influencing our banks will be longer ( N& I5 y/ m) Z6 p
amortization periods. Canada has held tight on 25 year amortizations for ! U+ I7 _- V8 @. w& { X
years, up until now that is. A few lenders have announced 30 year 7 ^, \! Q' ^! i; |% ~& U. a+ p) Q) c
amortizations 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
% S. ?2 \* R3 q5 e/ c& Yterm rates, look for lenders to get more creative with the discounts , d; X$ Y, P, f
they offer on Variable Rate Mortgages. I fully expect to see stronger
9 {- w, a2 Q g5 O, X; x4 ncompetition in the form of creative 'front-end loaded' discounts and
! O) K+ i5 ~; l- Ateaser rates that make it more confusing to compare an apple to an apple + l9 ?7 B" o* g% ^3 i* w2 v H
when shopping for the best mortgage option. It's going to be another busy
+ B/ n1 `0 L% t4 fspring market and consumers are going to be faced with more choices
4 N# o/ L) q0 W, @7 Athan ever before. The key, like always, is to get expert advice and
8 M! @9 E' h* Eremember you have options. |
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发表于 2006-5-7 20:26
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