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原帖由 dgg 于 2006-5-8 10:12 发表; J* L5 ~! n$ w$ W4 ]8 t6 `# a' a- H
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6 Z. [# v1 m- A& \' J+ X; F& x谢谢，请继续。' ]; j' H# Q+ ~9 G9 F
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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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5 A; `8 h8 u5 \; G* ?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 + r X5 U, x- }$ ]1 V! g
Spring is starting to arrive. Each and every year in late February and
1 K Q! i1 A3 G1 Xearly March, the banks start rolling out their Spring market campaign of
2 @6 x0 a1 ^2 V& Nnew products in an effort to attract new consumers. And, if early signs
! p7 |- d9 K2 ?' @ S+ G- Qare any indication, we're poised for yet another busy spring. The banks
0 ]7 W5 b& A# O9 iview this as the best time of year to get your attention by coming up
$ |" j' j( |! _" C6 ^with new products or simply putting twists on old ideas.
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1 b, T- }8 z& N( n3 X4 ZOver the next few weeks we'll see a variety of new products and this ) _& l: ^% y6 E% g0 V1 w' c7 g
year the early theme I'm seeing is banks getting more creative in an 6 z b _) i' w' a/ K- ^% [
effort to help you borrow more money. This is partly in response to growing " P- |0 Q0 Y) O$ M) `, J/ A
concerns about the potential of rising rates. 4 L- F9 u; ^/ i A. F5 }2 y4 e: U% S
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In an effort to take the focus away from rates, look for two lenders to 7 ?+ R9 u8 |7 q# J& k
come out with 'True Equity' programs that will allow home buyers the
# K/ H0 G3 G: I" Bability to borrow up to 75% of the equity in their homes without having ! ]$ p$ V; `& c7 W
to qualify based on their incomes. These programs were previously only
4 G. u3 f! }+ ^6 ~/ e9 P- T; |$ Xavailable to self-employed borrowers. Income earners had to either put
p) f2 q7 c/ G. N* e1 \/ Y1 K: Wmore money down or pay higher rates. This will now be a mortgage based - B7 ~; d% v, ? a! ^; q+ k
on the equity and the rates will be fully discounted.
! p+ X" K1 n! |, g" UAnother product to keep an eye on is more lenders who will be combining 6 M: {* q8 [% t/ R% B- [) k
the mortgage with the line of credit and creating a 'Global borrowing
! X1 O1 ]$ G" {6 G( i8 A. j8 ilimit' that will be re-advanceable. More and more consumers will be
- `! t+ L4 E) T% Hlooking for these kind of products for tax planning and investment
0 R8 ~+ _! I7 V- v4 }; o8 ~$ M3 Wstrategies. ! s1 M( a; {0 {# W% t6 b% ~; k
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And speaking about investors, banks are starting to recognize the
! x# ?) [! m, @4 F2 W) Ogrowing number of home owners who are buying multiple revenue properties for
! L5 j1 a( u6 K linvestments and we now have an 'Interest-Only' mortgage available for
( }2 {8 M+ B' V: I8 p2 ^$ l6 Zself-employed borrowers on a 'Stated-income' basis for revenue . M% o" @5 ?) j3 m: ~
properties. This marks the first time a self-employed individual can use ' P$ q( e* R( G8 N2 Y( e3 n
'stated-income' to qualify for a revenue property. ; `1 i- ~! U+ r1 E1 S# r/ K, R
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The interest rates will be higher for this product, but it is 9 i, J3 }: Y- [2 g& r0 j
reflective of a growing trend towards American-Style lending practices. A prime
2 k0 ], g) A# k' \, Gexample of an American trend influencing our banks will be longer
- N3 x: _9 P/ F7 P1 _4 Hamortization periods. Canada has held tight on 25 year amortizations for
1 d. c* Q3 d" B6 x* y- \* n6 I- Dyears, up until now that is. A few lenders have announced 30 year
+ I2 b" x$ n$ w; N8 E% H6 ]amortizations on CMHC insured mortgages at fully discounted interest rates.0 j% e# _+ N* y1 o
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Finally, in an effort to further take your attention away from the long
1 Q& o3 V& N% e0 ^) Gterm rates, look for lenders to get more creative with the discounts ) ?1 J" {/ c: ?
they offer on Variable Rate Mortgages. I fully expect to see stronger
- U0 C' |: N. L6 [competition in the form of creative 'front-end loaded' discounts and 3 \0 o3 q2 k4 N! s7 a' _: y% w
teaser rates that make it more confusing to compare an apple to an apple
$ P9 V; u7 D: [, }7 d% @2 bwhen shopping for the best mortgage option. It's going to be another busy 3 B/ a2 A# W4 O& |& t
spring market and consumers are going to be faced with more choices
8 [9 V5 @* g& H% J9 `than ever before. The key, like always, is to get expert advice and 6 g: @# T. r7 b; R
remember you have options. |
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发表于 2006-5-7 20:26
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