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原帖由 dgg 于 2006-5-8 10:12 发表" P0 Q6 f: w# y2 b
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9 j3 y, b, D6 K) t) _; }谢谢，请继续。
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( ^) }. U$ `, j+ d. q6 \! k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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4 v1 B3 J+ {5 {0 ?& ~" @The 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
' t# h6 [0 f. q7 C8 HSpring is starting to arrive. Each and every year in late February and
% C% ^" }6 [8 w/ N2 V& H1 j1 ^/ ^early March, the banks start rolling out their Spring market campaign of
( J0 T: d6 Q" M& xnew products in an effort to attract new consumers. And, if early signs $ B. H5 K: Z0 z+ w
are any indication, we're poised for yet another busy spring. The banks
* c. _. c; T3 J. N% R+ ^6 g3 tview this as the best time of year to get your attention by coming up
, A4 R4 g( @. ^with new products or simply putting twists on old ideas. 1 l- o( Q: c9 }/ A* C/ I3 |
1 y. K4 M, M. B3 I2 G" U* @, EOver the next few weeks we'll see a variety of new products and this 4 i$ t8 H) O3 M1 _
year the early theme I'm seeing is banks getting more creative in an
, d+ n4 B! Y3 j+ ^9 M7 r$ u* f$ N8 [effort to help you borrow more money. This is partly in response to growing
/ f% s$ u R& M1 Z' t' F9 Econcerns about the potential of rising rates.
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* Z* A. ^6 q E- d1 n: {8 D3 WIn an effort to take the focus away from rates, look for two lenders to
& q* J; k* P0 j- i) M7 \come out with 'True Equity' programs that will allow home buyers the 1 g2 k+ _$ W' G% m+ v
ability to borrow up to 75% of the equity in their homes without having
/ V5 p+ y2 k6 B3 m7 jto qualify based on their incomes. These programs were previously only $ O. X0 l5 N2 H) q
available to self-employed borrowers. Income earners had to either put
" \8 Z y# r s; l. v7 mmore money down or pay higher rates. This will now be a mortgage based
( q7 t7 ?4 ~) A% \3 D0 E' Uon the equity and the rates will be fully discounted.+ G- g" W. P G! w, V
Another product to keep an eye on is more lenders who will be combining
" n1 l @; y2 P+ s& ?the mortgage with the line of credit and creating a 'Global borrowing 4 K% U' ?1 p Z: K7 c: b; _. z2 b
limit' that will be re-advanceable. More and more consumers will be ! L7 q+ g! M2 |- }
looking for these kind of products for tax planning and investment $ Z) ~$ j3 f6 H. a
strategies. 9 H1 N7 [* Y! y! t3 C% }
7 b. T; d* w, m- H, _& ZAnd speaking about investors, banks are starting to recognize the
' V4 C% v& m6 q; Y$ r1 y8 {7 agrowing number of home owners who are buying multiple revenue properties for 4 X" ~) z7 h8 u( A
investments and we now have an 'Interest-Only' mortgage available for 3 G9 H) |: a: F
self-employed borrowers on a 'Stated-income' basis for revenue
) w5 {0 t) X, I/ U) _2 @* M3 Yproperties. This marks the first time a self-employed individual can use $ M. H- f4 v1 p9 i9 _: c' S% F1 d% w
'stated-income' to qualify for a revenue property.
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* `# v+ Q; h* H; J% }, e2 NThe interest rates will be higher for this product, but it is
7 s5 ]8 n B6 e& Hreflective of a growing trend towards American-Style lending practices. A prime
, ]8 ^* Q& ?" Q4 dexample of an American trend influencing our banks will be longer - F' y) }* `: r; P0 {8 k
amortization periods. Canada has held tight on 25 year amortizations for
. {& G5 i& h0 ]! ayears, up until now that is. A few lenders have announced 30 year . Y0 s3 M4 J9 C# A8 B
amortizations on CMHC insured mortgages at fully discounted interest rates.
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2 `2 A: ~( ^2 d1 M" OFinally, in an effort to further take your attention away from the long & k" T# o7 _6 E! h
term rates, look for lenders to get more creative with the discounts
/ K" q7 b+ _* k/ p! j0 bthey offer on Variable Rate Mortgages. I fully expect to see stronger 1 J+ g2 k) G: Q& q0 v3 F
competition in the form of creative 'front-end loaded' discounts and ! ?5 {+ ^+ h1 @' o2 q, \/ x; `* N
teaser rates that make it more confusing to compare an apple to an apple
6 w9 |6 Z) |2 I6 [- V! F3 k( Lwhen shopping for the best mortgage option. It's going to be another busy
& K& c* S7 Z+ M% P7 i# |3 l" `spring market and consumers are going to be faced with more choices
8 S2 W# P# O; s/ y7 lthan ever before. The key, like always, is to get expert advice and 5 b- b7 |8 w8 z( V
remember you have options. |
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