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原帖由 dgg 于 2006-5-8 10:12 发表
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6 K: B9 P P5 r5 F, n0 t谢谢，请继续。
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# d& E; v$ ^7 X3 N8 x0 u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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2 t T6 D1 v( t' c4 [The following article is written by Peter Kinch. w( j" W4 a: V. |# O
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Spring Is In The Air! In some markets in Canada it may feel like
2 t/ ^7 x- v q2 ~, PSpring is starting to arrive. Each and every year in late February and
- H* p3 ~, ]4 {1 p% Iearly March, the banks start rolling out their Spring market campaign of
9 G G' C& L: z) ^% I" tnew products in an effort to attract new consumers. And, if early signs M$ Y( U, P) k; {) ` D: z' O
are any indication, we're poised for yet another busy spring. The banks 3 v3 B% k6 f# e( ~/ k! W1 `1 t3 Z
view this as the best time of year to get your attention by coming up % Y# k' Q, R3 I& S9 Q7 E' Y) y
with new products or simply putting twists on old ideas.
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7 R% s5 g! }8 L& B4 X4 IOver the next few weeks we'll see a variety of new products and this
7 v# v; c1 W2 B8 d; F# ^% N2 l; Fyear the early theme I'm seeing is banks getting more creative in an
& `6 f; o4 c) P! l* keffort to help you borrow more money. This is partly in response to growing ( `/ `9 r0 ]6 @8 E8 u
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
% H. o; n: f' C% g4 C" vcome out with 'True Equity' programs that will allow home buyers the
! h/ B) H9 m6 S1 nability to borrow up to 75% of the equity in their homes without having ) V" }7 d7 m: x, T X$ T9 U
to qualify based on their incomes. These programs were previously only
5 n+ \; j$ h2 ]6 y& g ~available to self-employed borrowers. Income earners had to either put * l% a) U( G* E' u) d7 N! N
more money down or pay higher rates. This will now be a mortgage based
+ g- v1 r$ {+ H2 d% b/ P, G. r6 Son the equity and the rates will be fully discounted.
0 v9 x0 y% B! L. r9 p2 iAnother product to keep an eye on is more lenders who will be combining 2 R2 S( e2 W( c5 w: A" s5 |! d
the mortgage with the line of credit and creating a 'Global borrowing & ~# ^5 {+ M) G+ v, f
limit' that will be re-advanceable. More and more consumers will be ; Z: `, |: a- P9 N2 Y' j+ `
looking for these kind of products for tax planning and investment 5 Y' M9 z) M& G
strategies. - F( n$ w% y; m7 y) B. ]' S. \
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And speaking about investors, banks are starting to recognize the
4 F( M1 N% T4 o6 \ ?growing number of home owners who are buying multiple revenue properties for
6 {/ _) r5 P0 G5 a0 a/ I5 O: t! finvestments and we now have an 'Interest-Only' mortgage available for ) M9 e. l. ^# L9 o1 a3 }
self-employed borrowers on a 'Stated-income' basis for revenue - o" d5 W+ I. H# o% [
properties. This marks the first time a self-employed individual can use 2 V9 {: b( ~, H1 W5 o( H* F
'stated-income' to qualify for a revenue property. ' o2 L3 |; M& H6 g4 o
$ q+ V) y9 z0 b3 i& j/ PThe interest rates will be higher for this product, but it is ; k7 N5 \! }/ i7 ~! ]. D& t9 j1 r
reflective of a growing trend towards American-Style lending practices. A prime / o3 y- ^' x; `, ^ m
example of an American trend influencing our banks will be longer 2 [/ `$ `: {" z" h; ~: q& L6 V
amortization periods. Canada has held tight on 25 year amortizations for ! M" w+ i; z6 P+ l: O" p% S; }+ h
years, up until now that is. A few lenders have announced 30 year # y% n8 B; r' ?1 q, w0 ^
amortizations on CMHC insured mortgages at fully discounted interest rates.( l7 F" T- o( w6 R
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Finally, in an effort to further take your attention away from the long 5 v0 F; H" W5 X
term rates, look for lenders to get more creative with the discounts / V- e4 d- O+ }
they offer on Variable Rate Mortgages. I fully expect to see stronger
* n6 z- G; r/ s; ? X: s( ccompetition in the form of creative 'front-end loaded' discounts and ! b7 Y; C- ^( |5 M
teaser rates that make it more confusing to compare an apple to an apple
) P1 C8 G, ^" ~when shopping for the best mortgage option. It's going to be another busy ( W6 i/ n- Y5 z% v. q
spring market and consumers are going to be faced with more choices . w: V8 o0 K4 k) H
than ever before. The key, like always, is to get expert advice and 5 t( p* o7 A& L7 F& c, J* g
remember you have options. |
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