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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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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。
+ d4 O, |# f# S& qThe following article is written by Peter Kinch.7 l o- f! H2 O- N5 @% B: E
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Spring Is In The Air! In some markets in Canada it may feel like 4 E6 y% j, Z* v% Y5 a
Spring is starting to arrive. Each and every year in late February and
% Q: w) a# |; y5 ]$ e learly March, the banks start rolling out their Spring market campaign of ) @) \+ G9 I4 Q( _
new products in an effort to attract new consumers. And, if early signs
; g+ {5 W9 X; Hare any indication, we're poised for yet another busy spring. The banks 6 Y* m8 r# ?; j. {3 I. U
view this as the best time of year to get your attention by coming up 3 o: U& m4 n" c6 i# l6 W
with new products or simply putting twists on old ideas.
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0 @0 D6 ^# U+ C' H, e7 y7 }Over the next few weeks we'll see a variety of new products and this # C9 I& a7 f4 {8 c- F1 ?$ V
year the early theme I'm seeing is banks getting more creative in an & O9 v. a" R. [ O5 w5 J3 e
effort to help you borrow more money. This is partly in response to growing
# o5 }1 u' u4 Z# o) q, B2 yconcerns about the potential of rising rates. / |" x8 }1 u/ m& S0 F: o: [
, g: R/ b8 @* |( H# k* l; ~In an effort to take the focus away from rates, look for two lenders to
. i! n+ {7 s. w0 n! y! Acome out with 'True Equity' programs that will allow home buyers the : F# A( Z, {( F- Z; w" s
ability to borrow up to 75% of the equity in their homes without having
' Q! o6 k6 @1 o* }! qto qualify based on their incomes. These programs were previously only
# S" a4 P2 v) |9 T7 ~available to self-employed borrowers. Income earners had to either put 9 {4 Z$ [% l. Y5 C3 b& p
more money down or pay higher rates. This will now be a mortgage based * _" Q7 A) n, Z! P6 ?- w) ~
on the equity and the rates will be fully discounted.
4 _ a3 C. [3 J) ^- ^/ hAnother product to keep an eye on is more lenders who will be combining
P3 O) A, ^' ithe mortgage with the line of credit and creating a 'Global borrowing / h N9 p/ b8 n7 Y* L2 o
limit' that will be re-advanceable. More and more consumers will be
, D8 W% n2 T8 |' k( rlooking for these kind of products for tax planning and investment 8 N2 I* a D9 D h% p
strategies.
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7 c* e+ T y5 GAnd speaking about investors, banks are starting to recognize the 2 r7 A+ k+ g+ p
growing number of home owners who are buying multiple revenue properties for
: K/ o8 T( X, N5 _0 S4 }investments and we now have an 'Interest-Only' mortgage available for 4 i/ \6 h/ v, y% J; W) X) F1 P
self-employed borrowers on a 'Stated-income' basis for revenue
- i8 u0 G* f R" b) g, D/ |properties. This marks the first time a self-employed individual can use
0 h$ i, p& ~% _& k' ['stated-income' to qualify for a revenue property.
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3 k3 Y; o0 n+ h' r' zThe interest rates will be higher for this product, but it is
1 S5 C; N( k! l$ Hreflective of a growing trend towards American-Style lending practices. A prime # R% k# ?2 l7 F" @
example of an American trend influencing our banks will be longer 4 z V6 D `& d4 ? c6 X. u
amortization periods. Canada has held tight on 25 year amortizations for
) b, {0 f: i) ^% }! z4 Ayears, up until now that is. A few lenders have announced 30 year
4 X2 F j' X+ Q/ K! o3 Camortizations on CMHC insured mortgages at fully discounted interest rates.
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1 _0 m7 b1 u% F7 r- H: nFinally, in an effort to further take your attention away from the long
2 s1 _! m6 }% ~4 C8 X D5 K# V/ iterm rates, look for lenders to get more creative with the discounts X% u# u+ X, ~' A# B. N9 v- A
they offer on Variable Rate Mortgages. I fully expect to see stronger
# i; W. ?0 |# A- Y" z3 ]competition in the form of creative 'front-end loaded' discounts and ! v0 `* Y9 @2 o2 `' {, m/ A
teaser rates that make it more confusing to compare an apple to an apple . t6 u O- b- b1 m# ]" _
when shopping for the best mortgage option. It's going to be another busy 5 E: B& [4 Z7 o
spring market and consumers are going to be faced with more choices $ S2 P/ J. Z# u& ~. j- c; x' Z( B
than ever before. The key, like always, is to get expert advice and
$ ~, F5 V) y& c2 wremember you have options. |
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发表于 2006-5-7 20:26
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