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原帖由 dgg 于 2006-5-8 10:12 发表0 E. c. R( }: ]8 j! K% d, }
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谢谢，请继续。: l5 \; [) p$ ]0 t
8 A( {6 ?3 T0 U; M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。
7 Z6 r1 y) V" X" n7 [6 nThe following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like / r. t2 V& Q5 v2 n* R
Spring is starting to arrive. Each and every year in late February and
4 S P. ~ @# j9 Z6 `6 J3 oearly March, the banks start rolling out their Spring market campaign of
# {. A2 v' o( F1 D$ |new products in an effort to attract new consumers. And, if early signs + f0 b1 ~1 w' C% Y4 {9 z+ D9 j
are any indication, we're poised for yet another busy spring. The banks
% I0 u! h6 z0 A3 Z0 u; |view this as the best time of year to get your attention by coming up
$ r) ?1 x9 F+ S3 v; h3 ywith new products or simply putting twists on old ideas.
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/ h" D$ W% d z. n% s( LOver the next few weeks we'll see a variety of new products and this $ }' Z6 E2 _ ^: j) |
year the early theme I'm seeing is banks getting more creative in an . _; k5 y8 S. W+ l
effort to help you borrow more money. This is partly in response to growing 9 n# P0 u7 v; x9 N9 X ^( B
concerns about the potential of rising rates. - V% h7 y' ^% a* ^$ n+ @5 K
7 ]& C0 ^ l% `In an effort to take the focus away from rates, look for two lenders to
# ~( Z; |* C" R& {6 N4 ?come out with 'True Equity' programs that will allow home buyers the
$ w$ n9 h( N! u7 } Aability to borrow up to 75% of the equity in their homes without having
, a$ ]6 q2 ]( c! U8 r6 I: Mto qualify based on their incomes. These programs were previously only 0 T8 W% u# q5 M8 S
available to self-employed borrowers. Income earners had to either put # \- N% B* z" |8 w
more money down or pay higher rates. This will now be a mortgage based
9 {% |. a% f( W+ h4 gon the equity and the rates will be fully discounted.
+ Q( Q! M" }" b7 j6 mAnother product to keep an eye on is more lenders who will be combining
. {" k& P4 H8 j/ |the mortgage with the line of credit and creating a 'Global borrowing
- R$ g9 X3 |4 ^3 m; |: _/ `limit' that will be re-advanceable. More and more consumers will be % r+ Y9 R0 T* j3 `( U' e) \* _3 m N
looking for these kind of products for tax planning and investment " e. D5 D# Z4 P2 Y
strategies. * @1 x. |- o; ?# O8 p
- C2 `2 ?7 M4 I9 B F) FAnd speaking about investors, banks are starting to recognize the
+ A; p! [" V/ C9 |" K: z. n1 ugrowing number of home owners who are buying multiple revenue properties for 5 O+ s) R- a+ Z; V7 {" G$ V
investments and we now have an 'Interest-Only' mortgage available for ' _/ \- x/ H7 x7 p c
self-employed borrowers on a 'Stated-income' basis for revenue 2 q) U0 O2 i0 r# k% u6 |
properties. This marks the first time a self-employed individual can use
" a6 C/ z, @$ o& [( k- h'stated-income' to qualify for a revenue property. . G& L1 U; C0 J
# u% Q8 b1 p5 @ L# {The interest rates will be higher for this product, but it is
- L. U. S" Q# areflective of a growing trend towards American-Style lending practices. A prime
! n; a7 k6 ~1 k$ s' w' n. D4 I. hexample of an American trend influencing our banks will be longer 1 _8 _0 {( K% D( Q- B- b
amortization periods. Canada has held tight on 25 year amortizations for 9 c$ c; V9 u/ w- ~* o9 W& q: T
years, up until now that is. A few lenders have announced 30 year " Q7 [, \+ i" w& c# `% o2 r
amortizations on CMHC insured mortgages at fully discounted interest rates.
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# V5 v! d- O- e; g: H- AFinally, in an effort to further take your attention away from the long
* V5 n" G% O1 P3 V, I/ U3 O. J/ Sterm rates, look for lenders to get more creative with the discounts 3 q; N4 M n3 _5 R& h# v
they offer on Variable Rate Mortgages. I fully expect to see stronger $ T. G! g$ p, ^7 ~6 R" E2 `4 F# k
competition in the form of creative 'front-end loaded' discounts and 5 L0 r+ @1 @# [
teaser rates that make it more confusing to compare an apple to an apple
; P0 Z, t+ u+ _) _5 I. cwhen shopping for the best mortgage option. It's going to be another busy
: O0 X# ]) P; d/ H9 Z. Q! N5 sspring market and consumers are going to be faced with more choices 7 [) W4 y; j" r0 }
than ever before. The key, like always, is to get expert advice and & S# g* m9 o4 N1 G ?; g
remember you have options. |
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