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原帖由 dgg 于 2006-5-8 10:12 发表/ H" M* g" C% m' v/ Z4 z- G4 ]% y7 N
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; r4 X* b& z- g& F& p谢谢，请继续。4 m) `$ f4 `* O5 |9 C8 |
x, v# ~. k+ ], a: |) x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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- U' y% Z6 v1 c+ I- q+ xThe following article is written by Peter Kinch.- D; ^: J& A" J* X' A" _
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Spring Is In The Air! In some markets in Canada it may feel like
$ x% s4 h& W0 M7 o/ ZSpring is starting to arrive. Each and every year in late February and
" G6 P* \0 I! \: k6 u: Fearly March, the banks start rolling out their Spring market campaign of
# j. ^* K2 E7 A% \( }new products in an effort to attract new consumers. And, if early signs
' b$ C- K+ W+ B! Yare any indication, we're poised for yet another busy spring. The banks 2 E5 [, Y+ N% u+ Z5 m4 B/ j2 j
view this as the best time of year to get your attention by coming up
) [0 o7 c& v/ d" Dwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this 2 y0 ] Z0 P2 ? X# W( o; |$ }: N
year the early theme I'm seeing is banks getting more creative in an
# i4 s7 {9 ]1 R, ~$ U3 jeffort to help you borrow more money. This is partly in response to growing * r9 ?3 q( \) @, a- O! k) |3 ] Z( m3 U
concerns about the potential of rising rates. , T0 o) D. l& \' [0 i# S. \
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In an effort to take the focus away from rates, look for two lenders to 4 A9 d, z; n3 ?' X# p/ Q: n$ `
come out with 'True Equity' programs that will allow home buyers the + _# D6 M8 i" p) V" j. _ t
ability to borrow up to 75% of the equity in their homes without having
2 U: D- v! o4 q! Ito qualify based on their incomes. These programs were previously only
) m4 J% e1 k* C1 H: cavailable to self-employed borrowers. Income earners had to either put - j+ i1 ^& g, f" ~' r
more money down or pay higher rates. This will now be a mortgage based
) i& W; Q$ _) y r7 o5 l8 Ion the equity and the rates will be fully discounted.
* K. a: P' J. k( e# y- N% PAnother product to keep an eye on is more lenders who will be combining 7 M7 w/ K% X) Q
the mortgage with the line of credit and creating a 'Global borrowing
3 m" {4 ^9 z" \: R7 w# tlimit' that will be re-advanceable. More and more consumers will be
) N1 u. j: G4 ^& x. k- slooking for these kind of products for tax planning and investment * [: M; q, ~9 f1 {( L/ Z( l
strategies.
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And speaking about investors, banks are starting to recognize the
- V: M$ e" [: G2 H6 w5 K4 Sgrowing number of home owners who are buying multiple revenue properties for 2 ]2 ]! y, \7 H* G1 }+ P
investments and we now have an 'Interest-Only' mortgage available for 4 \- f; }3 J# x
self-employed borrowers on a 'Stated-income' basis for revenue
# a0 t# ^% C Y }' h% Mproperties. This marks the first time a self-employed individual can use * v9 A: M' R, z3 d: e& E
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
* b# Z& V' T( x5 Breflective of a growing trend towards American-Style lending practices. A prime % j3 U) m8 y2 O
example of an American trend influencing our banks will be longer ; A- m4 z# @, S/ n X
amortization periods. Canada has held tight on 25 year amortizations for + }! v5 F/ ^1 N8 S- s* U
years, up until now that is. A few lenders have announced 30 year
& i8 w% t) X" W; f5 m1 a& Famortizations on CMHC insured mortgages at fully discounted interest rates.
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0 z" \; O. ~ W1 @* YFinally, in an effort to further take your attention away from the long
g- Q3 G) b. {/ pterm rates, look for lenders to get more creative with the discounts 7 J9 P! {5 [5 h& \, o
they offer on Variable Rate Mortgages. I fully expect to see stronger . G9 S' w2 S8 D% S
competition in the form of creative 'front-end loaded' discounts and
. h; Q$ E$ J% G9 c! ~# K! lteaser rates that make it more confusing to compare an apple to an apple ! X2 h H! P9 l5 U9 X
when shopping for the best mortgage option. It's going to be another busy 4 X, ]% w. p, {
spring market and consumers are going to be faced with more choices
2 x4 V) ]8 e0 | k8 Ethan ever before. The key, like always, is to get expert advice and
! i) Z+ ^8 }# [" Premember you have options. |
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