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原帖由 dgg 于 2006-5-8 10:12 发表' G8 F$ e1 c* y% z! [& c+ s
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- H+ m. Z% s3 Y! y# K谢谢，请继续。# m' ~8 g, ?4 ~0 @7 ]
. `0 B2 s0 X! g/ K( O3 @6 y9 i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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p0 b" H, | v, W; F9 T. BThe following article is written by Peter Kinch.# n O7 P5 T$ V1 O
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Spring Is In The Air! In some markets in Canada it may feel like
& ^ T* K# [) m- s; v/ oSpring is starting to arrive. Each and every year in late February and 1 S" a, y9 b8 \, H: t* g* D
early March, the banks start rolling out their Spring market campaign of
) U1 r* z1 P7 I# _2 knew products in an effort to attract new consumers. And, if early signs + c5 r6 P" T7 A+ \- Q
are any indication, we're poised for yet another busy spring. The banks 5 P0 q9 x6 R) x# |8 z" x
view this as the best time of year to get your attention by coming up " L y+ u( M/ L0 q. p! b" q) ?
with new products or simply putting twists on old ideas. J4 u! ^$ L% F$ v4 z0 _, P
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Over the next few weeks we'll see a variety of new products and this ! M# c0 E6 w" p" }3 g( C3 R
year the early theme I'm seeing is banks getting more creative in an
0 E0 h& R8 C/ M" ^( keffort to help you borrow more money. This is partly in response to growing
+ W# \ @2 H2 k* }& c+ q" _concerns about the potential of rising rates. , o( O- k) q! [8 ~$ W2 y+ C) X
4 y! r4 H- @6 \# ^In an effort to take the focus away from rates, look for two lenders to
& i8 W3 ]6 ?; t4 c# f$ O0 W7 ^1 Jcome out with 'True Equity' programs that will allow home buyers the
# R( B R# k( ]ability to borrow up to 75% of the equity in their homes without having
2 h; T3 s5 W. R4 S- @( |5 w9 }to qualify based on their incomes. These programs were previously only
' r6 \% P; A5 Q) Javailable to self-employed borrowers. Income earners had to either put 9 @/ R: Y' u- p) d1 Q
more money down or pay higher rates. This will now be a mortgage based J$ o2 ^$ d8 Q# `
on the equity and the rates will be fully discounted.
! y, R4 w4 K- v6 WAnother product to keep an eye on is more lenders who will be combining
& y4 S2 Z$ Z- Y0 g$ ~the mortgage with the line of credit and creating a 'Global borrowing
) d* m. U: L0 a9 c: alimit' that will be re-advanceable. More and more consumers will be $ S2 _ g9 B# m, f* m! ]
looking for these kind of products for tax planning and investment
( u3 g8 x3 a. s6 I3 s' Jstrategies. , Q) B x% S4 T# }0 e
8 a0 y, O* B( y% v/ p" a$ i# QAnd speaking about investors, banks are starting to recognize the
* J! r. w: p ?: |7 q/ K& vgrowing number of home owners who are buying multiple revenue properties for
0 O3 J- L5 u( z& h& i3 K9 m+ Pinvestments and we now have an 'Interest-Only' mortgage available for
9 V5 B3 |" P# w, k" q1 ]! j* hself-employed borrowers on a 'Stated-income' basis for revenue
1 U, f7 m0 ^+ ~. b6 Vproperties. This marks the first time a self-employed individual can use / q; k/ R, B0 s, s- c
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
0 E1 ~) m! o- {6 u+ `reflective of a growing trend towards American-Style lending practices. A prime $ `+ [' m5 n: _
example of an American trend influencing our banks will be longer \/ \- z2 p/ s, s. ?! h
amortization periods. Canada has held tight on 25 year amortizations for M% M: r+ _+ u% C6 U% R" ?
years, up until now that is. A few lenders have announced 30 year
9 e- u6 O; r0 m6 V5 Uamortizations on CMHC insured mortgages at fully discounted interest rates.' `6 M1 f5 n! @0 g1 P0 q
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Finally, in an effort to further take your attention away from the long
t$ S9 E: \8 w: u; y1 E j" ]$ @1 s" Iterm rates, look for lenders to get more creative with the discounts
2 ]% B9 g3 C athey offer on Variable Rate Mortgages. I fully expect to see stronger $ ~0 `2 M! }) D8 a5 R
competition in the form of creative 'front-end loaded' discounts and ; ^2 s) u- a U
teaser rates that make it more confusing to compare an apple to an apple : v, _- l6 v0 y' C
when shopping for the best mortgage option. It's going to be another busy
2 _- p$ @* l8 E0 u6 y& bspring market and consumers are going to be faced with more choices
3 o" \+ U' ?) P1 Nthan ever before. The key, like always, is to get expert advice and # {. N! k3 y4 k7 l' \# w
remember you have options. |
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发表于 2006-5-7 20:26
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