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原帖由 dgg 于 2006-5-8 10:12 发表
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; r* u' b# j5 T; |谢谢，请继续。
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2 I3 W' ` B$ O) l# B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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9 J" ]5 C. b w8 \/ @+ bSpring Is In The Air! In some markets in Canada it may feel like
* j% \1 |: C$ d L2 {Spring is starting to arrive. Each and every year in late February and
2 D3 V% `; S4 Wearly March, the banks start rolling out their Spring market campaign of
6 o& y6 I( j0 z% Anew products in an effort to attract new consumers. And, if early signs 4 w7 O1 g" B1 y- |- \
are any indication, we're poised for yet another busy spring. The banks
1 G2 z) |/ ]' U2 e5 ?* Zview this as the best time of year to get your attention by coming up
$ G4 u% H& R, E1 X z2 Y( xwith 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 ! T' m* Z$ I M
year the early theme I'm seeing is banks getting more creative in an
, |" e3 s% Z4 [- C5 O- D9 C1 i' keffort to help you borrow more money. This is partly in response to growing
- ]1 B1 o* K) v. e6 P) i; Rconcerns 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
8 Y+ h- N' E; Ecome out with 'True Equity' programs that will allow home buyers the
% ~0 q1 _- ?' v7 v- j0 T# yability to borrow up to 75% of the equity in their homes without having ! C* f1 \8 F9 H, D
to qualify based on their incomes. These programs were previously only
* b6 k3 O9 |' I. L2 j: favailable to self-employed borrowers. Income earners had to either put " |, [# f# v7 s0 f
more money down or pay higher rates. This will now be a mortgage based # ^6 V: Q5 O* F! S* A4 ] C2 Z
on the equity and the rates will be fully discounted.8 J! r5 q9 j1 `& z
Another product to keep an eye on is more lenders who will be combining
9 {$ g& m6 \7 ~2 L; R0 ~: wthe mortgage with the line of credit and creating a 'Global borrowing
9 Q' v5 p- F& }& E1 n# o7 f, llimit' that will be re-advanceable. More and more consumers will be
" S1 s: q2 D7 k0 elooking for these kind of products for tax planning and investment
1 s4 p- m! G) r/ v+ C) C" astrategies.
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7 A! ^& V$ B; f5 zAnd speaking about investors, banks are starting to recognize the
8 M5 c: d9 e8 R8 g2 G7 j/ I [- pgrowing number of home owners who are buying multiple revenue properties for
4 _$ C! R, }% winvestments and we now have an 'Interest-Only' mortgage available for
, Z/ V3 j/ y, z2 p$ L5 H: Iself-employed borrowers on a 'Stated-income' basis for revenue
/ C4 N Q. v8 L) u2 pproperties. This marks the first time a self-employed individual can use
9 r6 K: |% B2 H6 |'stated-income' to qualify for a revenue property.
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+ p' G! @: q+ \$ b" W# \% aThe interest rates will be higher for this product, but it is
. m, U1 t/ D! N3 h) B ^ Zreflective of a growing trend towards American-Style lending practices. A prime 1 S V1 n: Z/ c: a) h
example of an American trend influencing our banks will be longer
1 C0 T5 v: P2 Tamortization periods. Canada has held tight on 25 year amortizations for & i7 {% N, l: J- `8 p" \6 U
years, up until now that is. A few lenders have announced 30 year - N" l9 `& }, @1 i
amortizations on CMHC insured mortgages at fully discounted interest rates.0 m6 i/ v! ^ c" s# o) i
: x" N* \' @% e+ a4 C3 M4 {Finally, in an effort to further take your attention away from the long 5 @* g0 v. _/ Z W8 z
term rates, look for lenders to get more creative with the discounts : {7 R6 o' l3 _. m
they offer on Variable Rate Mortgages. I fully expect to see stronger
! x- L1 {8 f6 k* W0 e ?: U6 @, Z- `9 }competition in the form of creative 'front-end loaded' discounts and 7 @1 X4 n1 U% d
teaser rates that make it more confusing to compare an apple to an apple
4 u/ k) B$ I1 t' ?5 v$ |4 ^1 ?9 kwhen shopping for the best mortgage option. It's going to be another busy ' n+ C1 J6 E3 O0 M& e6 r: o
spring market and consumers are going to be faced with more choices
& ]. R1 A: Y- O0 Q1 K( d1 Gthan ever before. The key, like always, is to get expert advice and
! r; X1 V. J8 A) M. G" N# C" v7 yremember you have options. |
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