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原帖由 dgg 于 2006-5-8 10:12 发表) b; z: g" n+ `. l
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6 i2 g" f7 n3 S谢谢，请继续。5 L$ M9 U! t: v/ N
0 S: V. h, [; k6 O1 v+ } w; 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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6 s. ~# b, ^# d8 K# E6 Q1 ~$ g+ TSpring Is In The Air! In some markets in Canada it may feel like 7 w$ Q' D; a/ L/ m
Spring is starting to arrive. Each and every year in late February and
% Z3 [1 [7 J1 y7 z' }early March, the banks start rolling out their Spring market campaign of . F$ c9 \7 P4 p1 U1 U
new products in an effort to attract new consumers. And, if early signs
4 q" @1 Z" @4 t) n( Vare any indication, we're poised for yet another busy spring. The banks + A# Q" Z: u y5 o
view this as the best time of year to get your attention by coming up
: p. O( z; q. N1 mwith new products or simply putting twists on old ideas. * L$ i, i" u" O" }1 | u
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Over the next few weeks we'll see a variety of new products and this " l* Z8 V7 f9 u5 V8 o' u/ Z) \5 w
year the early theme I'm seeing is banks getting more creative in an
6 h0 p( c- O3 i% Ueffort to help you borrow more money. This is partly in response to growing , ]0 C3 \" c2 \/ L* ^) d
concerns about the potential of rising rates. 2 {* N4 i% f) a b
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In an effort to take the focus away from rates, look for two lenders to " ?3 E5 V2 v0 J2 z. g( |
come out with 'True Equity' programs that will allow home buyers the
4 m' g2 h3 f- G# O- R+ a# J, D) cability to borrow up to 75% of the equity in their homes without having ) h: p5 o2 {, l4 u F
to qualify based on their incomes. These programs were previously only
' t& c$ d) i, W4 A+ b0 y2 cavailable to self-employed borrowers. Income earners had to either put
k" f# }: s* G" ^" cmore money down or pay higher rates. This will now be a mortgage based / U, M0 y8 t; W9 Q; M
on the equity and the rates will be fully discounted.- A2 N1 U: m8 d' a
Another product to keep an eye on is more lenders who will be combining
) m0 \* l4 u- r. @4 I1 hthe mortgage with the line of credit and creating a 'Global borrowing
/ F; S# b1 i2 h [, ~% F$ t/ \+ e$ Jlimit' that will be re-advanceable. More and more consumers will be
, a2 O# ?/ r+ klooking for these kind of products for tax planning and investment ' T4 R; g5 t' X& r
strategies. 0 c" M5 V3 ^3 u k) h
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And speaking about investors, banks are starting to recognize the
" b. ?# P. j$ x- } U0 Igrowing number of home owners who are buying multiple revenue properties for 7 ^8 p" E1 o/ r
investments and we now have an 'Interest-Only' mortgage available for
: r: {( a8 c* T; z, Tself-employed borrowers on a 'Stated-income' basis for revenue 7 m9 I1 Z3 r0 ]( Z% x) d) Y9 V: s
properties. This marks the first time a self-employed individual can use % y6 B+ A1 ?6 C
'stated-income' to qualify for a revenue property. 7 R" S% g7 L- \6 F
+ H3 b" H5 y R0 }) mThe interest rates will be higher for this product, but it is 0 |1 C8 x: _1 j, X, y' h
reflective of a growing trend towards American-Style lending practices. A prime % [/ ?) o6 _- T1 P: G3 s
example of an American trend influencing our banks will be longer 7 M+ R, _, c5 x4 |
amortization periods. Canada has held tight on 25 year amortizations for 9 [% q6 q: C: }1 l7 m
years, up until now that is. A few lenders have announced 30 year
" }0 U; R9 B. t1 ~' M& jamortizations on CMHC insured mortgages at fully discounted interest rates.
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" Q. ^( n) C1 K! K5 |3 U; F, |Finally, in an effort to further take your attention away from the long 5 y \7 C" X( I0 U7 \( J' j
term rates, look for lenders to get more creative with the discounts : f( \* |' }6 v X9 |9 F
they offer on Variable Rate Mortgages. I fully expect to see stronger
4 w! [3 [1 r) T' G! y5 V8 N& M. @' Jcompetition in the form of creative 'front-end loaded' discounts and
3 d/ c; u5 }! J( d" s8 Tteaser rates that make it more confusing to compare an apple to an apple
, _/ e) w" V0 a. u, V2 p6 |when shopping for the best mortgage option. It's going to be another busy
9 v7 a1 P* S Q4 Q4 L' b+ ?spring market and consumers are going to be faced with more choices
+ m: q8 E9 c5 {6 Kthan ever before. The key, like always, is to get expert advice and
! @7 y3 l0 g; c9 G; g$ |* D2 p' |remember you have options. |
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发表于 2006-5-7 20:26
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