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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。
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The following article is written by Peter Kinch.
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( U: s1 [! O, N. S1 _# M0 L& ]5 rSpring Is In The Air! In some markets in Canada it may feel like 7 P! A6 d J( _# k+ t* R/ b
Spring is starting to arrive. Each and every year in late February and
% \9 j2 v5 J; x8 v! Pearly March, the banks start rolling out their Spring market campaign of
1 \! c. Z0 I6 V7 Unew products in an effort to attract new consumers. And, if early signs
7 Y! I2 F' d' U% ^are any indication, we're poised for yet another busy spring. The banks
w$ r, M3 I! Y' \: @view this as the best time of year to get your attention by coming up + Z$ v; z) |) M% r5 S
with new products or simply putting twists on old ideas.
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: Q6 }5 Y1 R- h' h9 H; xOver the next few weeks we'll see a variety of new products and this - Q! o% n& U' ?5 C; b- H
year the early theme I'm seeing is banks getting more creative in an
1 B, K2 m/ J9 v6 s" N, o& Qeffort to help you borrow more money. This is partly in response to growing
1 B8 J3 v6 g _; N0 K# a( f7 kconcerns about the potential of rising rates. $ D( L9 J3 J3 R9 V
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In an effort to take the focus away from rates, look for two lenders to . x1 q9 F& w" R! ]" @( I
come out with 'True Equity' programs that will allow home buyers the
4 M) I7 c7 A8 @6 Iability to borrow up to 75% of the equity in their homes without having
! c* j, V' }: s0 e n1 jto qualify based on their incomes. These programs were previously only
2 y9 @0 p, O8 K1 Y7 h2 xavailable to self-employed borrowers. Income earners had to either put 3 H! }. R' ?7 d7 J9 l
more money down or pay higher rates. This will now be a mortgage based
$ `) e2 s& ~) E7 l. lon the equity and the rates will be fully discounted.# S6 W2 C# r1 ?+ S# ]
Another product to keep an eye on is more lenders who will be combining
( h6 a: ~& s* r1 ]4 g+ Rthe mortgage with the line of credit and creating a 'Global borrowing
( e- ?1 _3 F R5 A7 |! B- ]limit' that will be re-advanceable. More and more consumers will be 8 s& O% C2 Q. n" p) O+ y
looking for these kind of products for tax planning and investment
5 H& p1 @: T2 W% ]strategies.
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9 {/ z; X# B3 _9 e- U: ^3 yAnd speaking about investors, banks are starting to recognize the
$ h* `& N! [$ n9 |growing number of home owners who are buying multiple revenue properties for ! B# P* q8 t$ N. S" q5 x
investments and we now have an 'Interest-Only' mortgage available for
+ z5 K9 ?! o' j4 L' n7 t: f# hself-employed borrowers on a 'Stated-income' basis for revenue
! @4 k: `0 t* A1 w5 aproperties. This marks the first time a self-employed individual can use
6 h$ e- i2 i: A( ?7 {'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
' I# ~ ]$ {3 j. g) ?, freflective of a growing trend towards American-Style lending practices. A prime 0 G# d. Q0 A! E
example of an American trend influencing our banks will be longer
* N% b# A$ A2 ~% Q7 eamortization periods. Canada has held tight on 25 year amortizations for
6 G4 U* e, j- _0 c: Dyears, up until now that is. A few lenders have announced 30 year
! W F& s+ }6 g- ~* ]. L; uamortizations on CMHC insured mortgages at fully discounted interest rates.
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# b6 K" y4 _. o1 I' DFinally, in an effort to further take your attention away from the long 9 \. r& j0 z+ _3 e
term rates, look for lenders to get more creative with the discounts
$ ]8 y0 J) G5 N- @/ |* ?they offer on Variable Rate Mortgages. I fully expect to see stronger & D0 K8 F {& S. P- k+ E
competition in the form of creative 'front-end loaded' discounts and
3 o9 z& T" U0 p5 j. Vteaser rates that make it more confusing to compare an apple to an apple
8 ]6 y* M5 w1 [5 @; cwhen shopping for the best mortgage option. It's going to be another busy / _# p6 ^3 C; a/ V
spring market and consumers are going to be faced with more choices
, i- W [* U' _ e, G! w7 athan ever before. The key, like always, is to get expert advice and
9 [4 v+ X3 }# a; d6 |remember you have options. |
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