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原帖由 dgg 于 2006-5-8 10:12 发表
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" C- R2 d2 H1 L, C, S6 F/ G& {谢谢，请继续。$ t i( }# z @" W# f! H
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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.
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" F2 @! }0 p( p KSpring Is In The Air! In some markets in Canada it may feel like 3 h% y: E& O: ?
Spring is starting to arrive. Each and every year in late February and ' p# S% Z3 B8 K
early March, the banks start rolling out their Spring market campaign of
G; \. Q3 y2 jnew products in an effort to attract new consumers. And, if early signs # u" {0 b; z( A6 j, I
are any indication, we're poised for yet another busy spring. The banks
4 V# ~' k& }9 v! b u; q h, \9 Yview this as the best time of year to get your attention by coming up 1 a9 _5 Q4 U) _( ?8 N& g; ~" t
with new products or simply putting twists on old ideas.
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d, C+ c8 }+ V. b. m5 gOver the next few weeks we'll see a variety of new products and this
! r5 z+ f% D/ Y' b$ B# _/ vyear the early theme I'm seeing is banks getting more creative in an / r0 ^, }& Q4 @, E) |% j9 G, `
effort to help you borrow more money. This is partly in response to growing 2 H! R# z1 A t- t8 I& F
concerns about the potential of rising rates. ! B$ Y, o( S+ `( B6 C3 x
- ?* f( s% z, w, A' K5 bIn an effort to take the focus away from rates, look for two lenders to
) L8 V4 j) l3 V8 ocome out with 'True Equity' programs that will allow home buyers the & {7 P3 F, `8 x E) O
ability to borrow up to 75% of the equity in their homes without having
, B B( r% U4 k: cto qualify based on their incomes. These programs were previously only 5 q* T% n( G9 z/ g
available to self-employed borrowers. Income earners had to either put
$ u& Y# k2 \& w1 e% W- Dmore money down or pay higher rates. This will now be a mortgage based
( l+ X% D( R* T. {& g4 U( I5 Gon the equity and the rates will be fully discounted.
: M9 L, ]$ a& a6 wAnother product to keep an eye on is more lenders who will be combining 9 K# o: Q- N% g Q8 S
the mortgage with the line of credit and creating a 'Global borrowing
# F2 D# i# X3 o2 ]! n3 vlimit' that will be re-advanceable. More and more consumers will be & x7 D! W1 p+ T1 ]- a
looking for these kind of products for tax planning and investment 4 Y2 O' E( R7 C9 B4 D. F: e/ F
strategies.
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, Q1 X. Q$ z0 j) ]) l- f- _And speaking about investors, banks are starting to recognize the 3 w" @" ^6 g' E
growing number of home owners who are buying multiple revenue properties for ) R4 x- j5 ]2 j, c
investments and we now have an 'Interest-Only' mortgage available for
8 i$ O4 N4 _/ sself-employed borrowers on a 'Stated-income' basis for revenue ! w9 |- B: P# ^, x! v
properties. This marks the first time a self-employed individual can use
. S" |. {: N& _" }+ _9 k& q w'stated-income' to qualify for a revenue property.
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0 c0 @0 T9 m) n- {The interest rates will be higher for this product, but it is
( H, Y* W+ S' A- |reflective of a growing trend towards American-Style lending practices. A prime , {& D9 B& |. C. y2 S w
example of an American trend influencing our banks will be longer
6 g4 @5 {8 V5 @/ I8 [2 K% X" d! wamortization periods. Canada has held tight on 25 year amortizations for
% C7 `% V: {0 T3 `9 g8 ^# Nyears, up until now that is. A few lenders have announced 30 year 7 P0 D* J1 o4 a3 a$ B; B+ q8 I
amortizations on CMHC insured mortgages at fully discounted interest rates., W/ n6 O! n0 ?3 x, _3 _
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Finally, in an effort to further take your attention away from the long
; g: ?2 Z; l: a& Iterm rates, look for lenders to get more creative with the discounts 5 e" w& u# y/ w* D% ]' R! S& _1 f
they offer on Variable Rate Mortgages. I fully expect to see stronger
5 {: o4 q+ Z8 ?) c+ y2 {+ Vcompetition in the form of creative 'front-end loaded' discounts and
9 k( t" H+ N- w/ z3 r/ B/ vteaser rates that make it more confusing to compare an apple to an apple 6 s2 w; n8 |. R3 B
when shopping for the best mortgage option. It's going to be another busy " s' K5 F/ c3 I/ \) T# I. L( K, y; }
spring market and consumers are going to be faced with more choices - b( z% @4 G2 f. s* b; I* D0 p
than ever before. The key, like always, is to get expert advice and
! S! ^' g) X9 Q) kremember you have options. |
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发表于 2006-5-7 20:26
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