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原帖由 dgg 于 2006-5-8 10:12 发表4 D9 M2 X5 X8 w
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|* n" n) z3 y% m+ o& f2 g谢谢，请继续。
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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.5 h4 k. u: p. R ^: F% L# Y7 j* Y
- A4 _3 o$ h; c3 d- p$ ISpring Is In The Air! In some markets in Canada it may feel like 7 ~5 K. Y0 S/ q4 n1 q! d' ~
Spring is starting to arrive. Each and every year in late February and
; M) w7 S4 O1 _. j/ Jearly March, the banks start rolling out their Spring market campaign of
; W$ T! ]8 e$ inew products in an effort to attract new consumers. And, if early signs 6 N6 O; p3 M6 l
are any indication, we're poised for yet another busy spring. The banks 9 ^# W3 H: z6 S4 z( J
view this as the best time of year to get your attention by coming up
4 ~! _% N7 G& K. X. ?" vwith 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
' n% O' k- G4 W* qyear the early theme I'm seeing is banks getting more creative in an % ]- x. }: E U8 V1 ~1 q v, ~0 s
effort to help you borrow more money. This is partly in response to growing - o8 B, g4 t' M" j- D
concerns about the potential of rising rates. ( x! v3 ?7 R% ]$ \
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In an effort to take the focus away from rates, look for two lenders to
! k' R" ]5 d9 T' u# {* ]come out with 'True Equity' programs that will allow home buyers the : `: J K h; K: }
ability to borrow up to 75% of the equity in their homes without having
* Z2 P7 V& M1 ?' Hto qualify based on their incomes. These programs were previously only
' T, ?' Z8 D7 v( L ^6 u1 T6 Wavailable to self-employed borrowers. Income earners had to either put 5 Z$ U. F& X- ]4 O5 N# d* p
more money down or pay higher rates. This will now be a mortgage based
" w: s% S- n4 h# H/ ~( f3 n0 C8 yon the equity and the rates will be fully discounted.
. F1 E* z. v" Q; w0 S# t/ CAnother product to keep an eye on is more lenders who will be combining & m0 ?' H d8 ^- O0 v
the mortgage with the line of credit and creating a 'Global borrowing 8 K9 \- E+ O+ S5 ~1 E% Y
limit' that will be re-advanceable. More and more consumers will be
$ w2 z9 \7 h3 B# k7 `& f- n+ r" m" dlooking for these kind of products for tax planning and investment
6 `4 ?: Q% A5 l, z% V$ O& p" m; o Hstrategies.
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And speaking about investors, banks are starting to recognize the . ^ _! u* k/ l+ d4 @: j
growing number of home owners who are buying multiple revenue properties for 6 n# N4 A7 L, P* h; ?6 z, l. d" |
investments and we now have an 'Interest-Only' mortgage available for
2 C+ V9 O5 q: {* s2 Iself-employed borrowers on a 'Stated-income' basis for revenue
$ p# Z) z# W7 F) ]( n5 bproperties. This marks the first time a self-employed individual can use - o5 S3 e: [3 K- C5 s
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is # Y, A, M) D" f" f
reflective of a growing trend towards American-Style lending practices. A prime . g' i9 V% f2 ^ L! \. w) E @
example of an American trend influencing our banks will be longer " m! O4 A3 Z1 a' |" S6 f
amortization periods. Canada has held tight on 25 year amortizations for * {2 g- l' d- F" S! s U# @
years, up until now that is. A few lenders have announced 30 year % E" j" {& S5 O; J
amortizations on CMHC insured mortgages at fully discounted interest rates.) t; N# F3 Z) k, J
3 @$ J! g9 T, T. nFinally, in an effort to further take your attention away from the long
' {9 a% V8 s9 B% k" {term rates, look for lenders to get more creative with the discounts " O; l4 H- W% u, n2 E
they offer on Variable Rate Mortgages. I fully expect to see stronger
, V" q+ g2 k* q+ ? [- n9 Y6 o8 Ucompetition in the form of creative 'front-end loaded' discounts and , ~7 B1 f' T4 k& k# l$ u
teaser rates that make it more confusing to compare an apple to an apple * P( L# Y* [" [4 j& ]
when shopping for the best mortgage option. It's going to be another busy
& r, ]* v$ X% l4 o. Z; dspring market and consumers are going to be faced with more choices : @9 @, _" u& \3 @8 Y N1 v2 D
than ever before. The key, like always, is to get expert advice and / r: o0 U: R) P+ u. {( z! `9 `
remember you have options. |
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发表于 2006-5-7 20:26
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