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原帖由 dgg 于 2006-5-8 10:12 发表
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5 a. M' B% c1 l- k, Q- n) r0 z4 ]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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2 _! o. N- Q; {" rThe following article is written by Peter Kinch.* E& D% W2 B: v3 y
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Spring Is In The Air! In some markets in Canada it may feel like 4 J% F9 w" |9 \* K7 @
Spring is starting to arrive. Each and every year in late February and
3 d0 h$ Y% w7 K( V% g+ G3 U2 |early March, the banks start rolling out their Spring market campaign of - m6 b4 Z: @: `2 V" z) W
new products in an effort to attract new consumers. And, if early signs
2 b) `- l1 `$ ]# X) ?( P% ^are any indication, we're poised for yet another busy spring. The banks
; g+ ?) n" _7 A) _8 t3 r9 U& lview this as the best time of year to get your attention by coming up 1 ]; k+ H5 k$ y3 j3 C5 E6 v
with new products or simply putting twists on old ideas. 2 V' T- Q9 ~9 j# m
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Over the next few weeks we'll see a variety of new products and this 9 |! n% |- {+ [" Z) s* s$ b- A# ~. J
year the early theme I'm seeing is banks getting more creative in an
. r0 Q5 ~) H x. oeffort to help you borrow more money. This is partly in response to growing , V( j! ]9 _" R/ M! o8 L3 r
concerns about the potential of rising rates. - w4 M% x8 f% D. p
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In an effort to take the focus away from rates, look for two lenders to
8 Q3 |+ X/ V, Y: Hcome out with 'True Equity' programs that will allow home buyers the 1 f& l! R/ k8 R" o0 x
ability to borrow up to 75% of the equity in their homes without having
# b# b1 E2 ?) @7 y+ \to qualify based on their incomes. These programs were previously only
3 T& h/ N$ d* y! H( G javailable to self-employed borrowers. Income earners had to either put
" |, O1 W# _6 pmore money down or pay higher rates. This will now be a mortgage based
2 Y* h0 w, A" }0 H Xon the equity and the rates will be fully discounted.
# r V7 F* J& A' z1 EAnother product to keep an eye on is more lenders who will be combining
, o8 w. e! ^% @4 }the mortgage with the line of credit and creating a 'Global borrowing
# e& @% d) [. c- U" i3 U, dlimit' that will be re-advanceable. More and more consumers will be
; D" L, } o9 n8 n9 @8 q, D2 glooking for these kind of products for tax planning and investment
a9 v# C+ c* | V- h' jstrategies.
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2 r# X: L) i5 ]; l* EAnd speaking about investors, banks are starting to recognize the 8 [ G. L# Q6 n# k9 ?
growing number of home owners who are buying multiple revenue properties for
3 n$ X& m$ |* i } u! jinvestments and we now have an 'Interest-Only' mortgage available for
; L* t7 s5 i) c; J0 j" O3 |, o5 c# Qself-employed borrowers on a 'Stated-income' basis for revenue ! u9 q W4 X7 ]$ s2 s; q. s5 u9 n- Y
properties. This marks the first time a self-employed individual can use / j R* z- I1 x( j0 q$ |
'stated-income' to qualify for a revenue property. ! w, l) K! m9 [. r* r
! h. L; T: t( h4 V. s8 hThe interest rates will be higher for this product, but it is
, _0 d2 q" n+ P7 l5 c9 o: zreflective of a growing trend towards American-Style lending practices. A prime 0 P) l4 I6 Y+ S* j- j6 D6 f
example of an American trend influencing our banks will be longer
5 \% ?' u; g! X" o3 S' c; b( eamortization periods. Canada has held tight on 25 year amortizations for
' x1 l! A7 p% ?5 d( Tyears, up until now that is. A few lenders have announced 30 year 3 O& n0 {" ^4 i: V9 g
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
' g' R0 I3 ~9 ^! J2 ]! \" N. tterm rates, look for lenders to get more creative with the discounts 4 i6 C5 v( d7 I, T" y
they offer on Variable Rate Mortgages. I fully expect to see stronger : H4 P N3 N( S$ H, v
competition in the form of creative 'front-end loaded' discounts and 0 l2 F; Y; X" B$ J
teaser rates that make it more confusing to compare an apple to an apple
6 y V R4 t8 T0 A- r; ]1 u# Pwhen shopping for the best mortgage option. It's going to be another busy
. @, S7 ^4 ]: z/ L) n+ M4 U) k$ x5 _8 Rspring market and consumers are going to be faced with more choices 0 y. s0 d* H& Z& L' _' e8 o
than ever before. The key, like always, is to get expert advice and 9 s* u7 d" h; Z3 Q. p9 D8 [% M
remember you have options. |
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发表于 2006-5-7 20:26
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