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原帖由 dgg 于 2006-5-8 10:12 发表( {, ?" Q! m% B3 S* y' R2 `7 I
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0 f) E: \! t) ^$ a; I! P谢谢，请继续。) Z% |$ S' B& e
4 j7 R/ Q8 t( O& Q9 Y7 K) \( \2 q' ^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.
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, W/ H2 t& c# L; s0 ~Spring Is In The Air! In some markets in Canada it may feel like
1 x2 N2 w7 z. B& V. R0 [8 R4 J. YSpring is starting to arrive. Each and every year in late February and " }9 L3 X# |8 G& j
early March, the banks start rolling out their Spring market campaign of
; f1 C$ r0 b& O7 J9 Onew products in an effort to attract new consumers. And, if early signs B# V, T) [6 g% ], C' r; k+ ?
are any indication, we're poised for yet another busy spring. The banks q$ S2 T# f9 R1 p7 m' \
view this as the best time of year to get your attention by coming up
/ U' U! B' A9 Y4 c5 F4 _. ywith new products or simply putting twists on old ideas. 0 O( F- u5 @8 L
( B! H7 ~& L. ~- N( o" |* h% nOver the next few weeks we'll see a variety of new products and this
0 I$ i. q' ]& f( T( i- Q- J5 @year the early theme I'm seeing is banks getting more creative in an L" ~! v+ s1 v0 k$ ?9 l& A' _' l
effort to help you borrow more money. This is partly in response to growing
; I! T/ g( F" J8 \8 H! `concerns about the potential of rising rates. 1 T6 S; q" H0 }* Y5 K, v
: Q. i7 l G9 ~ x; T, ]0 qIn an effort to take the focus away from rates, look for two lenders to
9 B1 @1 g3 V3 H& f' j. f' Acome out with 'True Equity' programs that will allow home buyers the 5 P) }. x$ L) I, q# E% f5 U: Y
ability to borrow up to 75% of the equity in their homes without having
6 E- h/ W8 [& L$ v& vto qualify based on their incomes. These programs were previously only 3 t# O1 e" ~0 u5 k F! U, d
available to self-employed borrowers. Income earners had to either put 1 T3 h8 M+ ]% A' @
more money down or pay higher rates. This will now be a mortgage based
( \! c6 n$ u) Xon the equity and the rates will be fully discounted.# F8 p9 K: ~9 v
Another product to keep an eye on is more lenders who will be combining 2 X$ k3 Q2 h o" I" G
the mortgage with the line of credit and creating a 'Global borrowing
[$ v. `: E0 |; o: ~1 U# Elimit' that will be re-advanceable. More and more consumers will be 8 v) r5 L- _. L3 p1 H) n
looking for these kind of products for tax planning and investment
8 N5 P/ z% c. N- S3 [$ ]strategies. ) @0 ]8 H7 R; l/ @- b) o
2 [" A: F9 Y$ tAnd speaking about investors, banks are starting to recognize the - P2 _7 z }0 ^
growing number of home owners who are buying multiple revenue properties for " K* g& Z# a. j J' |
investments and we now have an 'Interest-Only' mortgage available for ; u. M4 z& v& Q( r. y
self-employed borrowers on a 'Stated-income' basis for revenue
m2 ?) l. O3 [( ~properties. This marks the first time a self-employed individual can use 3 K* A+ j! P- B! E
'stated-income' to qualify for a revenue property. ) }: q4 F* z) u4 ^8 }8 o+ I3 C
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The interest rates will be higher for this product, but it is
; p% x9 f, _5 P' t6 w, M6 z& qreflective of a growing trend towards American-Style lending practices. A prime 7 F" `( J$ ~# B) \8 M. V, N+ \
example of an American trend influencing our banks will be longer
0 v8 v3 X, W2 |: Tamortization periods. Canada has held tight on 25 year amortizations for ; H# z8 o5 h' [) |
years, up until now that is. A few lenders have announced 30 year 8 i% r u6 w0 z( g# q1 {. E' A
amortizations on CMHC insured mortgages at fully discounted interest rates.
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- M a1 |; A8 G+ @6 G$ s$ o+ W: YFinally, in an effort to further take your attention away from the long
$ Z, a' c! Y3 B' U( L% u! jterm rates, look for lenders to get more creative with the discounts ' i3 h, ~ q, d- l- @ w$ ]2 G. y# A$ V
they offer on Variable Rate Mortgages. I fully expect to see stronger
* N' f% O s! o# K bcompetition in the form of creative 'front-end loaded' discounts and 8 J4 K5 P, H1 p6 _) g4 u
teaser rates that make it more confusing to compare an apple to an apple 8 f# O) H L" h7 A: w/ E0 K o
when shopping for the best mortgage option. It's going to be another busy
2 D5 S, T/ a5 W1 }1 i6 ^3 D$ ~spring market and consumers are going to be faced with more choices # {5 m+ ~& T6 n4 k% e0 ~
than ever before. The key, like always, is to get expert advice and
* L$ d+ e2 C. w( F3 K# L1 `remember you have options. |
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