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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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% ~! n* }( d" eThe 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 6 M! u# N- B' _! X: E, g
Spring is starting to arrive. Each and every year in late February and
, ~: n- ^& }& }early March, the banks start rolling out their Spring market campaign of
& F1 h) `$ a0 t1 Jnew products in an effort to attract new consumers. And, if early signs 8 }8 O/ J. O3 n' N) e+ S" m
are any indication, we're poised for yet another busy spring. The banks & u- x5 }5 U; f4 a; }
view this as the best time of year to get your attention by coming up + [/ i1 t0 ]$ T; t& V4 H
with 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 K6 z! t; H+ K; J9 {$ x r/ Q
year the early theme I'm seeing is banks getting more creative in an
# r- c4 h7 }8 [+ x' \. b( |: Oeffort to help you borrow more money. This is partly in response to growing * G: X) H9 \5 X' W; r
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
* |1 ^) z! `# e d; scome out with 'True Equity' programs that will allow home buyers the
9 x# K9 N+ U+ p ^ability to borrow up to 75% of the equity in their homes without having
: {& f. i7 t8 J" U, |to qualify based on their incomes. These programs were previously only
. J8 f& c: U/ D( z/ ^6 Gavailable to self-employed borrowers. Income earners had to either put
, e% o0 o8 S8 R8 @; g4 \: S; y( Qmore money down or pay higher rates. This will now be a mortgage based 6 ^/ C7 P e/ w7 ^) I& }
on the equity and the rates will be fully discounted.( w0 P$ N& ?7 {- Z J5 n
Another product to keep an eye on is more lenders who will be combining # B/ F% W) q' Z
the mortgage with the line of credit and creating a 'Global borrowing
7 c4 e9 j5 n( o; G$ u e! X, qlimit' that will be re-advanceable. More and more consumers will be
2 D) U- S' d8 @2 C* Jlooking for these kind of products for tax planning and investment
7 ]7 P# U1 X& L( I: F1 B! }- L1 Ystrategies.
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And speaking about investors, banks are starting to recognize the ) g; S. r* _4 f( K5 I0 f
growing number of home owners who are buying multiple revenue properties for + _$ p m3 K& ^$ ?+ N' h
investments and we now have an 'Interest-Only' mortgage available for ; p |* ?' G+ k4 w1 Q& O5 ]* f$ p. Q# F
self-employed borrowers on a 'Stated-income' basis for revenue
8 J0 T* }* z+ E+ {1 x- ~properties. This marks the first time a self-employed individual can use 3 j- m: y* p5 ?. x% {
'stated-income' to qualify for a revenue property. 6 B' S0 u7 M" R; C" z, X5 Q
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The interest rates will be higher for this product, but it is 0 h$ ~/ g# U! L7 S% x1 K' j: k
reflective of a growing trend towards American-Style lending practices. A prime
: T& W- p* K+ c. s& ]# ~- pexample of an American trend influencing our banks will be longer # p& Y5 g0 _0 v
amortization periods. Canada has held tight on 25 year amortizations for
9 |/ _4 j7 {* n# n2 ]years, up until now that is. A few lenders have announced 30 year C7 N. g4 o. d/ I! ^6 q+ z4 d
amortizations on CMHC insured mortgages at fully discounted interest rates.2 W5 A$ @: b# g0 `. z5 F2 w
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Finally, in an effort to further take your attention away from the long
& a- O3 f4 u" s! }8 |) T+ vterm rates, look for lenders to get more creative with the discounts
8 U5 p# X, g }they offer on Variable Rate Mortgages. I fully expect to see stronger
0 p t; b5 X. P0 Wcompetition in the form of creative 'front-end loaded' discounts and . ]& f3 G$ u% i' n
teaser rates that make it more confusing to compare an apple to an apple , i+ y0 _0 m5 t2 J
when shopping for the best mortgage option. It's going to be another busy $ m" @7 D* Y f2 E% v
spring market and consumers are going to be faced with more choices
& A- A Y* p0 l) q+ w# r+ ]than ever before. The key, like always, is to get expert advice and % l- K' j$ u( s% x- V
remember you have options. |
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发表于 2006-5-7 20:26
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