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原帖由 dgg 于 2006-5-8 10:12 发表# q2 p3 \0 O, M6 ^: \- S
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: m) i7 o) g4 y谢谢，请继续。* [! l& x& t' W6 R
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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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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
8 N5 i0 f% e3 ^. ^% xSpring is starting to arrive. Each and every year in late February and ) Y4 F2 T$ o T: K0 V
early March, the banks start rolling out their Spring market campaign of
* `" A1 k$ E; L; D% }3 c3 ynew products in an effort to attract new consumers. And, if early signs
' }2 H9 ]# b2 Ware any indication, we're poised for yet another busy spring. The banks
" @/ \+ F1 R: D; r: s, Zview this as the best time of year to get your attention by coming up ' J: ^! ~& e2 c' D& a- V3 h
with new products or simply putting twists on old ideas. ) f" `4 E, q( ^7 Z% a
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Over the next few weeks we'll see a variety of new products and this
) d6 _3 ?) ?' J1 a9 W( O2 i7 iyear the early theme I'm seeing is banks getting more creative in an
/ n" r5 K& d9 L! F& Veffort to help you borrow more money. This is partly in response to growing
) y" B; U; E' X. A& ]- b3 }concerns about the potential of rising rates. 1 F: G& C0 T- H2 r( S. i4 g
( M5 d Y' Y: ?# P$ i6 Y! o VIn an effort to take the focus away from rates, look for two lenders to 3 m: K( P: s1 l& x0 X' A
come out with 'True Equity' programs that will allow home buyers the ' S6 q4 T5 K& M! _% C0 m
ability to borrow up to 75% of the equity in their homes without having
& x0 f$ `" ]0 p9 I$ ^- y! u/ Bto qualify based on their incomes. These programs were previously only 9 N8 S4 i& a9 R+ t1 A
available to self-employed borrowers. Income earners had to either put 2 h/ z) d' ] b
more money down or pay higher rates. This will now be a mortgage based 8 N+ I$ f) B, l1 m; v0 X9 ?
on the equity and the rates will be fully discounted.) i' k# c$ j D8 ~6 H; x" @
Another product to keep an eye on is more lenders who will be combining $ Z: r8 J' M; ?1 ?; @& C( ?# s) }
the mortgage with the line of credit and creating a 'Global borrowing
) ^, ]4 x4 x# r4 elimit' that will be re-advanceable. More and more consumers will be
; ]; s* Z5 b: n* V7 V* Ilooking for these kind of products for tax planning and investment . A8 k( A" g; z" d2 y
strategies. 2 b, T; `4 s+ B& T# u) v
; a" P+ B1 }& H2 P& }And speaking about investors, banks are starting to recognize the 9 \5 V1 u8 N% ]( m' ?3 D! Z3 ?
growing number of home owners who are buying multiple revenue properties for
: J! _& b; ]( L) }1 M Qinvestments and we now have an 'Interest-Only' mortgage available for
7 @8 l; [7 i+ W- L& R) ~# V3 p9 nself-employed borrowers on a 'Stated-income' basis for revenue 8 u2 n$ B/ H8 w% }6 j* B
properties. This marks the first time a self-employed individual can use 8 C2 ?- E# @- F- F8 ~! O* m) d
'stated-income' to qualify for a revenue property.
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& `, I! K. q" R! `& PThe interest rates will be higher for this product, but it is " j7 H+ k1 T5 C( a( D; v$ w
reflective of a growing trend towards American-Style lending practices. A prime
% I- U+ a! ?0 Q7 z) Texample of an American trend influencing our banks will be longer ! |1 E: s$ \0 P1 U
amortization periods. Canada has held tight on 25 year amortizations for 3 r3 J- v7 r6 x1 w" d' x4 p
years, up until now that is. A few lenders have announced 30 year
: ?6 m3 }$ ~4 s4 z' lamortizations on CMHC insured mortgages at fully discounted interest rates.2 V! i3 u% j; h, I
3 w' D7 l* P; r: PFinally, in an effort to further take your attention away from the long # ]4 T& h, F4 L9 T1 s5 M+ H
term rates, look for lenders to get more creative with the discounts
8 s4 Q o2 X9 @# [6 sthey offer on Variable Rate Mortgages. I fully expect to see stronger - E. v. \5 p1 X9 m; ?
competition in the form of creative 'front-end loaded' discounts and
& p4 G9 v& m; f2 u5 m) C' t$ }0 l" ~7 Ateaser rates that make it more confusing to compare an apple to an apple . }: o* U$ k& V/ G& }; P" c4 }
when shopping for the best mortgage option. It's going to be another busy & @# D4 B' `1 K( H
spring market and consumers are going to be faced with more choices ' a8 K0 A" t; Q* j
than ever before. The key, like always, is to get expert advice and + @5 ~, n7 Q/ l8 W, W/ P
remember you have options. |
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发表于 2006-5-7 20:26
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