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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。5 X a) Z$ o6 u. ]" F
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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。
1 C' k6 y) Y2 w f% s. f: A+ i! FThe following article is written by Peter Kinch.
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! q! T: G4 ]) Z0 f$ t1 ASpring Is In The Air! In some markets in Canada it may feel like
) C, Z3 _; _' Y( \% P# @Spring is starting to arrive. Each and every year in late February and
6 q8 K$ m5 _# X. y) ?) o# o/ dearly March, the banks start rolling out their Spring market campaign of
# _+ j, o2 E$ x2 L- K$ O& xnew products in an effort to attract new consumers. And, if early signs - E6 G! X0 h7 _; M- S6 J% M
are any indication, we're poised for yet another busy spring. The banks
! n! w+ w% O9 U# Mview this as the best time of year to get your attention by coming up
- R. b: A7 Y& ewith 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 ( d3 }! z+ |4 a7 }9 y, K
year the early theme I'm seeing is banks getting more creative in an
+ ^( D" F$ l! }% ^effort to help you borrow more money. This is partly in response to growing
, b# {) i) t; p2 |# `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
9 t, N+ u( L. G5 S' M" `; pcome out with 'True Equity' programs that will allow home buyers the
( Q2 d, L, n% Vability to borrow up to 75% of the equity in their homes without having ( C0 `4 x4 K& L: G
to qualify based on their incomes. These programs were previously only
6 D( f; F; C! R8 \available to self-employed borrowers. Income earners had to either put
% m& u" F0 R% `) r; v7 ]; `more money down or pay higher rates. This will now be a mortgage based
( i, x" R6 `5 T4 D' jon the equity and the rates will be fully discounted.
3 a! {0 o2 Z, ?+ n0 N, u9 ~5 _/ SAnother product to keep an eye on is more lenders who will be combining
! ^6 ?, [; a" W0 }0 Fthe mortgage with the line of credit and creating a 'Global borrowing
# C8 N/ w1 n8 `, elimit' that will be re-advanceable. More and more consumers will be ; g' i% U0 `1 p# t9 N9 D7 w
looking for these kind of products for tax planning and investment : X/ ?* B: I5 g& I; c* S
strategies. 2 f* e l+ H. }) b3 p
2 E! P/ Y( A. P! ], HAnd speaking about investors, banks are starting to recognize the
5 F6 \, u" o; n% x x# @growing number of home owners who are buying multiple revenue properties for
1 ]( ~% H& P; m7 s( a: j I) w3 b% xinvestments and we now have an 'Interest-Only' mortgage available for ) a2 @( M1 H& p, N+ v5 h, h3 i
self-employed borrowers on a 'Stated-income' basis for revenue
9 o% R; {; v2 _6 ^) Gproperties. This marks the first time a self-employed individual can use
) A* X& W7 N/ `. a8 E& i'stated-income' to qualify for a revenue property.
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# d) ]! {1 f; yThe interest rates will be higher for this product, but it is
+ p E! j' _+ r" P6 ~/ @( e1 Ureflective of a growing trend towards American-Style lending practices. A prime
& p) o3 x: X' U+ s9 a; x" Hexample of an American trend influencing our banks will be longer 9 [; \ ]" n7 u& t+ d
amortization periods. Canada has held tight on 25 year amortizations for
' I0 o+ r) X6 s. _0 \6 u3 lyears, up until now that is. A few lenders have announced 30 year
) K! h; B7 k& P, {6 U+ F% bamortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
+ G8 c$ \8 @5 J# ?& R' l+ T( Fterm rates, look for lenders to get more creative with the discounts 4 p7 ~5 a0 A! f7 Q
they offer on Variable Rate Mortgages. I fully expect to see stronger ) @+ G$ K, w+ m& A5 O- P! K) O
competition in the form of creative 'front-end loaded' discounts and
; D s/ `/ C6 p; j. Z; [teaser rates that make it more confusing to compare an apple to an apple 6 _4 p# Y2 ?- S4 P. v1 z( h) u" m
when shopping for the best mortgage option. It's going to be another busy 2 t) }! x9 g" `) ]( ], j" a
spring market and consumers are going to be faced with more choices 1 w; K* U) O2 N
than ever before. The key, like always, is to get expert advice and
4 e" w; n5 z7 T7 o, u1 Y$ \remember you have options. |
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发表于 2006-5-7 20:26
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