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原帖由 dgg 于 2006-5-8 10:12 发表
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0 U; S* m" Y& b$ q* \; }: o谢谢，请继续。
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; i: B9 ^$ h: I' p1 S* M# w4 K" r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 C0 D3 p$ S2 k4 u
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Spring Is In The Air! In some markets in Canada it may feel like $ h) e A& p" R
Spring is starting to arrive. Each and every year in late February and
& g1 Z1 |( ^; uearly March, the banks start rolling out their Spring market campaign of 3 ]# J( m L) s1 ^" \4 H
new products in an effort to attract new consumers. And, if early signs
2 ?. L# c8 u, q$ ?$ b2 c9 care any indication, we're poised for yet another busy spring. The banks
2 U& c4 W$ x) I- u" S* Pview this as the best time of year to get your attention by coming up ' p1 R: e# R% C9 l; ]& @; H
with new products or simply putting twists on old ideas. " a5 v: m: E K, R
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Over the next few weeks we'll see a variety of new products and this
; a: d* E( c( L! h/ q/ T4 {1 r& Jyear the early theme I'm seeing is banks getting more creative in an
$ a8 g- S+ P; V; A1 @* ceffort to help you borrow more money. This is partly in response to growing 5 [8 k7 N1 _3 D) ~0 E- G
concerns 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
% a+ l! ~' C3 N0 {1 Ecome out with 'True Equity' programs that will allow home buyers the $ D! n6 U Y9 [; D
ability to borrow up to 75% of the equity in their homes without having
+ ]3 \' v9 A0 C7 ?; Q( b8 Tto qualify based on their incomes. These programs were previously only
3 ^6 P# Z" N, ?. Xavailable to self-employed borrowers. Income earners had to either put 1 z9 t: l3 ~6 \% J/ m3 W# g/ g4 O
more money down or pay higher rates. This will now be a mortgage based
8 F: D/ L1 P# ion the equity and the rates will be fully discounted.
& g* i7 x, X; r6 g8 B# q" FAnother product to keep an eye on is more lenders who will be combining
% A7 W1 f- i* `* R& Xthe mortgage with the line of credit and creating a 'Global borrowing 6 R s2 A; f* L, _/ b
limit' that will be re-advanceable. More and more consumers will be " n5 T* q- X- z# j
looking for these kind of products for tax planning and investment
" C$ w# q; m) Z) U! q* I. cstrategies.
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And speaking about investors, banks are starting to recognize the 8 S! c. v8 X, d; Q) O
growing number of home owners who are buying multiple revenue properties for 6 a$ E E* f1 O. } Y
investments and we now have an 'Interest-Only' mortgage available for
4 r# Z6 j" d5 D3 C C: Lself-employed borrowers on a 'Stated-income' basis for revenue u: e x6 D; L0 c8 f2 y* \
properties. This marks the first time a self-employed individual can use . F; H& D8 [/ n3 } j; {
'stated-income' to qualify for a revenue property.
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: u @, P) r* \5 q' C) `3 uThe interest rates will be higher for this product, but it is ) i' m, O" D- V! U3 z
reflective of a growing trend towards American-Style lending practices. A prime
1 Q, m7 p9 X/ B' F$ E$ nexample of an American trend influencing our banks will be longer
. f1 t& k4 f$ x, S: t, ?& Hamortization periods. Canada has held tight on 25 year amortizations for 1 K8 \7 o+ ^3 Q' d( j7 O4 j5 D# V
years, up until now that is. A few lenders have announced 30 year * S. q7 b, [; W) [. U9 E
amortizations on CMHC insured mortgages at fully discounted interest rates.
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5 I" `5 d( t5 I' o5 ?Finally, in an effort to further take your attention away from the long
* O- w& p# f8 a- x6 L/ A$ \7 e. ]term rates, look for lenders to get more creative with the discounts * C2 f+ e# Y! f9 Y0 \! n. @/ n! t
they offer on Variable Rate Mortgages. I fully expect to see stronger k s$ n+ J+ N+ \3 `9 u# l
competition in the form of creative 'front-end loaded' discounts and / y: _, \. y- t# g/ ?+ M
teaser rates that make it more confusing to compare an apple to an apple
9 `7 J8 j' ?2 jwhen shopping for the best mortgage option. It's going to be another busy - S; K- _/ G4 ]3 m6 o7 Q7 `* |
spring market and consumers are going to be faced with more choices
1 T V1 {! p/ n& B3 g9 X. Mthan ever before. The key, like always, is to get expert advice and
2 f) C h4 f2 a7 Mremember you have options. |
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发表于 2006-5-7 20:26
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