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原帖由 dgg 于 2006-5-8 10:12 发表
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" y0 ^ l7 i& M' K% b: J/ R# S谢谢，请继续。* g+ z/ n7 \2 M5 q4 o
( B; [: v2 b; Y* M3 z" ?) L, v* ~/ N/ L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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( M J$ p" w3 j, u4 P4 ^Spring Is In The Air! In some markets in Canada it may feel like
: E% C+ `9 W" t4 k+ h' Z U+ |% qSpring is starting to arrive. Each and every year in late February and # C- P- Q! o: {
early March, the banks start rolling out their Spring market campaign of
: O' }/ R4 ^( D3 W- \) B) Ynew products in an effort to attract new consumers. And, if early signs
9 R, r' ?& ?' Y3 o$ {are any indication, we're poised for yet another busy spring. The banks
/ b, _' r1 m4 c' q; ?1 }view this as the best time of year to get your attention by coming up
8 c3 O/ D5 _# e1 T# v/ Bwith new products or simply putting twists on old ideas.
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( G+ W: O' ~4 ~9 k' iOver the next few weeks we'll see a variety of new products and this
% u" `& F' c* {0 _/ eyear the early theme I'm seeing is banks getting more creative in an 6 \; e' `& P; C9 ^6 t- J4 ?
effort to help you borrow more money. This is partly in response to growing
7 e4 D+ G! u f! T) P- n% q$ {concerns about the potential of rising rates. 6 a" i5 J9 h# ?5 ]& n7 B% q
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In an effort to take the focus away from rates, look for two lenders to 7 R6 x9 O6 y% w3 N
come out with 'True Equity' programs that will allow home buyers the
+ i. {" i- ?8 s& I0 J% r0 Gability to borrow up to 75% of the equity in their homes without having 1 d" u2 ^" s+ q3 L7 P. ?& @( S
to qualify based on their incomes. These programs were previously only
( S$ [. K( q0 \# T# U1 Javailable to self-employed borrowers. Income earners had to either put . g9 z3 } y9 Z; q: G+ r' g1 H
more money down or pay higher rates. This will now be a mortgage based
. j- n$ f4 C }: }- hon the equity and the rates will be fully discounted.
2 L8 Q8 E- b+ t( E) u# i2 e" NAnother product to keep an eye on is more lenders who will be combining
) }+ }% t. Q; wthe mortgage with the line of credit and creating a 'Global borrowing 6 S3 T/ k0 G3 T; _: N) P2 ^$ o& a1 j
limit' that will be re-advanceable. More and more consumers will be
6 M' u) N/ ~0 @8 N% d8 @( Q, llooking for these kind of products for tax planning and investment
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R a" F- X7 e/ zAnd speaking about investors, banks are starting to recognize the # a- D* R' ` Q+ R. j
growing number of home owners who are buying multiple revenue properties for
" Q b: p& ^: q2 w9 P8 }" S$ E, K7 `investments and we now have an 'Interest-Only' mortgage available for / a" o' B) P7 [4 a+ J0 v
self-employed borrowers on a 'Stated-income' basis for revenue
: {9 [4 l, p- Z! m4 X2 ~4 cproperties. This marks the first time a self-employed individual can use
; l9 ]$ q" Y( S! J'stated-income' to qualify for a revenue property. , o* [' _4 I \3 Q0 W9 {
. e' ~9 O1 M0 V8 G8 F1 UThe interest rates will be higher for this product, but it is , V9 ^$ T' l& t! P3 z
reflective of a growing trend towards American-Style lending practices. A prime
( m9 `! Q4 Q1 fexample of an American trend influencing our banks will be longer 3 s3 \; `6 m$ X' ]0 z! K/ a
amortization periods. Canada has held tight on 25 year amortizations for
& w% p$ K7 y) {7 @; k% k$ x8 fyears, up until now that is. A few lenders have announced 30 year 7 b. c% ]0 p- n) n' \
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
+ `0 u; E& }+ `: Jterm rates, look for lenders to get more creative with the discounts ; G6 q6 p7 f. I# F
they offer on Variable Rate Mortgages. I fully expect to see stronger 7 r* e1 f h9 \2 {, ^4 ?
competition in the form of creative 'front-end loaded' discounts and
/ j0 r# U# h' h; f! h$ _teaser rates that make it more confusing to compare an apple to an apple
# U* N9 \! K( S6 }3 K( cwhen shopping for the best mortgage option. It's going to be another busy
8 |/ Z5 G S% U* yspring market and consumers are going to be faced with more choices
( x; K5 K& Q2 i% E Tthan ever before. The key, like always, is to get expert advice and
; X: G6 s0 f8 Z Q: Eremember you have options. |
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发表于 2006-5-7 20:26
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