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原帖由 dgg 于 2006-5-8 10:12 发表; Q' L* s5 F- h% r, o! b# \
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谢谢，请继续。) R, b2 }% }+ N
2 b! `* W, S) v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。
1 O5 M @5 g) M2 v9 d6 `+ cThe following article is written by Peter Kinch.6 V2 L9 G+ a. ]: E6 B
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Spring Is In The Air! In some markets in Canada it may feel like * @4 }; ^( I# Q( r$ r
Spring is starting to arrive. Each and every year in late February and 0 P8 I9 U! ~! o2 L3 b" Y2 \
early March, the banks start rolling out their Spring market campaign of
: l# w4 P5 \# O5 V$ ynew products in an effort to attract new consumers. And, if early signs 0 N# {* {) t3 l l! |) w! H
are any indication, we're poised for yet another busy spring. The banks ! h, _. K( n p& z
view this as the best time of year to get your attention by coming up
. _7 q. e t1 C1 |3 _$ @with 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 & d8 k; i0 Y) x2 K( k2 V
year the early theme I'm seeing is banks getting more creative in an
3 N$ _9 p3 _- k! Qeffort to help you borrow more money. This is partly in response to growing
& ]. k; A# s' k# T1 N: oconcerns about the potential of rising rates. ( h, \: E5 S4 z' ^& }" a
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In an effort to take the focus away from rates, look for two lenders to
" i% r" N6 Z* ~9 Icome out with 'True Equity' programs that will allow home buyers the
6 r0 `8 s$ d @# sability to borrow up to 75% of the equity in their homes without having
/ e+ u) Y+ n6 q# D- s3 q0 H: m" Mto qualify based on their incomes. These programs were previously only
* y6 t' n R! C( vavailable to self-employed borrowers. Income earners had to either put
. A K' Q6 t' c T& _more money down or pay higher rates. This will now be a mortgage based
! _/ [2 V( i, ]" U' s6 ]( von the equity and the rates will be fully discounted.! ^; O# S# R1 `4 I8 T2 `; \+ u
Another product to keep an eye on is more lenders who will be combining
* g$ Q- J) _2 m, v: Ethe mortgage with the line of credit and creating a 'Global borrowing / o+ Y7 U* o+ J6 n* O# K1 ^4 I1 V
limit' that will be re-advanceable. More and more consumers will be
# I# ?* G/ g8 M) zlooking for these kind of products for tax planning and investment
) a, B! c1 d9 K$ I- M% f" [0 jstrategies. / Y, L- t5 G2 v6 f2 @
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And speaking about investors, banks are starting to recognize the
6 ^/ {$ `. M5 |& W8 P! O& c1 mgrowing number of home owners who are buying multiple revenue properties for
5 P( s" }: v) zinvestments and we now have an 'Interest-Only' mortgage available for $ G8 f- V% B9 ^- x& C
self-employed borrowers on a 'Stated-income' basis for revenue Q4 p3 h- a" X" r) }6 C
properties. This marks the first time a self-employed individual can use
# `$ m# s# l6 m- M4 h, J'stated-income' to qualify for a revenue property.
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% m6 R5 w! j: A% D% BThe interest rates will be higher for this product, but it is
3 ?7 W+ F k) @( K! q* Ereflective of a growing trend towards American-Style lending practices. A prime
* t$ r7 z, ~$ E: k! _6 Sexample of an American trend influencing our banks will be longer
* P4 e( L; C2 r' h. n" U* Zamortization periods. Canada has held tight on 25 year amortizations for
' p% p P$ D2 Xyears, up until now that is. A few lenders have announced 30 year 6 w& i4 l* J0 Q/ V
amortizations on CMHC insured mortgages at fully discounted interest rates.
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) v7 N& i, D/ b, e0 D; ZFinally, in an effort to further take your attention away from the long
8 \1 I' J4 c8 m* S( F$ `term rates, look for lenders to get more creative with the discounts
' {3 c' h; c& @they offer on Variable Rate Mortgages. I fully expect to see stronger ' ]( f4 z: P6 _1 a8 ]/ P: ^+ s# g
competition in the form of creative 'front-end loaded' discounts and
! u$ o& G% L& u8 v/ V( {+ v% l' Pteaser rates that make it more confusing to compare an apple to an apple
4 {5 W; u" K6 j) O1 Awhen shopping for the best mortgage option. It's going to be another busy
1 w% z) W1 l' x8 K. `2 d Ospring market and consumers are going to be faced with more choices
: k7 ], J& t& ~4 }! pthan ever before. The key, like always, is to get expert advice and $ [2 l; t/ p9 P. }" g5 G$ ~
remember you have options. |
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