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原帖由 dgg 于 2006-5-8 10:12 发表" l& Y# w* c) H7 e7 q6 P
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谢谢，请继续。- H y; [- V+ D6 W, q$ g& f5 R( C4 w
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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.9 U! T6 T, J; P6 @6 L
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Spring Is In The Air! In some markets in Canada it may feel like
% n" M4 d3 B- X; r0 H& q7 T9 {* t' LSpring is starting to arrive. Each and every year in late February and 8 A( [* k4 U6 _8 }1 ?
early March, the banks start rolling out their Spring market campaign of
3 I; ?1 ]3 p' s& m' J; wnew products in an effort to attract new consumers. And, if early signs
* b u/ T4 D, c- q# s& zare any indication, we're poised for yet another busy spring. The banks
( L; \2 Y9 o v$ F% F3 [7 I- yview this as the best time of year to get your attention by coming up
3 e1 E8 @, d7 B* N. b4 j4 N) 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 3 v% f, o3 E3 W0 M( G3 y
year the early theme I'm seeing is banks getting more creative in an
G+ [8 \# S t' v, Peffort to help you borrow more money. This is partly in response to growing
5 A- `6 {; a" c8 q1 d1 }1 w- S) kconcerns 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 % y, N1 c9 Y9 i, E7 \
come out with 'True Equity' programs that will allow home buyers the ; G9 e3 m! D$ P% R
ability to borrow up to 75% of the equity in their homes without having
' p' T5 p, z W6 cto qualify based on their incomes. These programs were previously only ' ^$ {4 x) ~3 l. q% \
available to self-employed borrowers. Income earners had to either put
' O' X s% S& Z3 q: f* J. imore money down or pay higher rates. This will now be a mortgage based
$ Q7 r$ w; z. ^8 U: T% y" B* |" r6 von the equity and the rates will be fully discounted.; f$ k/ _4 H& M! S/ ~! T' ?! x
Another product to keep an eye on is more lenders who will be combining 9 S1 ~) e; J! z4 r5 C
the mortgage with the line of credit and creating a 'Global borrowing
) U' p# {6 w6 jlimit' that will be re-advanceable. More and more consumers will be
* C1 d2 B) { p+ f! J& q0 m' V; Vlooking for these kind of products for tax planning and investment ' k5 w3 f: F6 t+ ^0 @6 U
strategies.
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( I7 a# o/ A0 N6 p) U/ MAnd speaking about investors, banks are starting to recognize the 8 b1 G& c4 R1 G; { ^/ t$ N5 u
growing number of home owners who are buying multiple revenue properties for
% S8 e+ u+ S# e* L y4 tinvestments and we now have an 'Interest-Only' mortgage available for 5 N7 B4 r: z% [' f9 Q& Z2 j" d( g
self-employed borrowers on a 'Stated-income' basis for revenue
# a. _" b# }7 `- |+ dproperties. This marks the first time a self-employed individual can use - d% j& [' R. J, j, L& |) c. {
'stated-income' to qualify for a revenue property. % Y4 j7 @6 `; _% O( C- E
9 ~$ `0 J- t0 C0 r& SThe interest rates will be higher for this product, but it is 2 f( z1 |1 Z7 E
reflective of a growing trend towards American-Style lending practices. A prime + Q! ]1 ]' u: q! A# r
example of an American trend influencing our banks will be longer p U+ H8 e7 ~; R) B+ x
amortization periods. Canada has held tight on 25 year amortizations for # T$ T1 |1 K: y3 e* g' L/ t+ y
years, up until now that is. A few lenders have announced 30 year
( `. \- M/ ^) r3 y1 a# Camortizations on CMHC insured mortgages at fully discounted interest rates.
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! \6 K; O }3 E& MFinally, in an effort to further take your attention away from the long
$ o% B u4 _( Bterm rates, look for lenders to get more creative with the discounts - }$ x1 z/ |9 c( b; v) s0 V
they offer on Variable Rate Mortgages. I fully expect to see stronger
1 e7 l+ j# p/ R/ D6 G `! U8 W, u( ]competition in the form of creative 'front-end loaded' discounts and 0 ^8 F5 s1 r+ | B, Z) j- [+ |
teaser rates that make it more confusing to compare an apple to an apple 1 C+ f& ?3 z3 x
when shopping for the best mortgage option. It's going to be another busy + m. d4 P* H0 }6 ^* c
spring market and consumers are going to be faced with more choices $ N0 v/ v: F# G# b J
than ever before. The key, like always, is to get expert advice and
& }' K3 q) S$ M3 K4 E# G1 \remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
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