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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。; {; b6 h9 s: h1 X2 _ k, }- n! p
! J2 y6 u0 K( z* W2 J$ S- D: o" s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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Spring Is In The Air! In some markets in Canada it may feel like
" A7 ]9 `8 A4 F1 J4 U5 T! qSpring is starting to arrive. Each and every year in late February and $ B' A: d E5 `: Q, ?/ E2 D4 b
early March, the banks start rolling out their Spring market campaign of
% o6 p O3 s$ ^ t8 znew products in an effort to attract new consumers. And, if early signs
2 I( ^) V* V! A; a! Vare any indication, we're poised for yet another busy spring. The banks
" K& y7 @- r; h: O7 bview this as the best time of year to get your attention by coming up * P9 ~9 |. o1 Z/ a5 ?! r6 c
with new products or simply putting twists on old ideas. * t( C d" [1 z: n) ^
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Over the next few weeks we'll see a variety of new products and this
* ]8 V( @7 e. Iyear the early theme I'm seeing is banks getting more creative in an $ Q( g) n# r4 H: M L
effort to help you borrow more money. This is partly in response to growing % s4 [6 O5 g7 M. A
concerns about the potential of rising rates. ( T3 c7 F* z+ g
9 Z! b$ Z) F: g$ @4 k8 OIn an effort to take the focus away from rates, look for two lenders to 7 n* I# f+ D" m. e
come out with 'True Equity' programs that will allow home buyers the 5 K7 z9 d; p" L
ability to borrow up to 75% of the equity in their homes without having 2 H. x# A& F }4 D4 Y$ q0 T5 j
to qualify based on their incomes. These programs were previously only
- W/ d/ N$ |- v2 d/ u( {/ lavailable to self-employed borrowers. Income earners had to either put * g2 Q; C- \9 U% V4 R
more money down or pay higher rates. This will now be a mortgage based 4 G7 K, x, R4 q/ ?; _& f: z
on the equity and the rates will be fully discounted.6 J' _. t% U: m3 f/ s3 y9 m( p" S5 a
Another product to keep an eye on is more lenders who will be combining ; }2 _# Q$ V/ X$ ]
the mortgage with the line of credit and creating a 'Global borrowing 8 ^. f/ M% I3 M$ g& R; s# ]2 m ]4 E5 ?
limit' that will be re-advanceable. More and more consumers will be
' q! J: `0 g! |/ Y9 J* C4 _looking for these kind of products for tax planning and investment : ~+ v- x1 n" b; }; \& t6 S( W/ G3 d0 L) h
strategies.
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And speaking about investors, banks are starting to recognize the & S# C0 i5 y4 h* q1 ?* Z' ~
growing number of home owners who are buying multiple revenue properties for
) s7 h& y* A F T$ i* f7 w7 Finvestments and we now have an 'Interest-Only' mortgage available for ) k8 [6 C9 U4 Z$ A' I9 V
self-employed borrowers on a 'Stated-income' basis for revenue
# }! p9 T S* \# Eproperties. This marks the first time a self-employed individual can use
% j7 V9 n$ A% u8 W; Q2 q'stated-income' to qualify for a revenue property.
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9 i) {& w5 Z7 t ^) u1 bThe interest rates will be higher for this product, but it is
. |& c: ]3 h5 S% v! C4 z+ vreflective of a growing trend towards American-Style lending practices. A prime
% A0 }7 Q1 L3 g" i) Fexample of an American trend influencing our banks will be longer
7 w6 c2 W( w4 C/ D0 qamortization periods. Canada has held tight on 25 year amortizations for % M' W2 G: Y# C* f1 X
years, up until now that is. A few lenders have announced 30 year
8 B# I0 z5 G) Z p, \- F9 namortizations on CMHC insured mortgages at fully discounted interest rates.
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- w/ J( \/ B, x' ZFinally, in an effort to further take your attention away from the long + n% n) ]6 z) u& x' j
term rates, look for lenders to get more creative with the discounts
9 Q6 X" H5 r3 J4 }6 k) V/ P& M0 P, fthey offer on Variable Rate Mortgages. I fully expect to see stronger
" X6 u9 E) t: I7 Zcompetition in the form of creative 'front-end loaded' discounts and T. q! c9 x' _, `( L1 S, ~1 v
teaser rates that make it more confusing to compare an apple to an apple
( |( m, ~: Z7 U8 V, c9 ?when shopping for the best mortgage option. It's going to be another busy 0 n: H, {: L& F5 d7 ~$ i' W) S# t6 _& f
spring market and consumers are going to be faced with more choices
3 ?0 I8 P4 R& ]1 R/ Kthan ever before. The key, like always, is to get expert advice and
( X! d" T$ y# y! s) D+ s; Cremember you have options. |
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