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原帖由 dgg 于 2006-5-8 10:12 发表& G6 O: |6 v+ t$ k
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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。
/ v2 b, G3 B% _The following article is written by Peter Kinch.1 C' ?7 ^$ x* x# H9 I
: [) m' z+ [7 r/ i& f; C' u* V( |* RSpring Is In The Air! In some markets in Canada it may feel like
, L( V4 _: ^9 t( X9 z. B5 Y) ?Spring is starting to arrive. Each and every year in late February and # P7 x. M3 s% x- \
early March, the banks start rolling out their Spring market campaign of , x- e: _3 `) H, e' F% ]
new products in an effort to attract new consumers. And, if early signs
. [0 a7 \/ J( e: G' R: care any indication, we're poised for yet another busy spring. The banks / |* _0 j. l. a1 a
view this as the best time of year to get your attention by coming up : h% ?- Q( r) \2 D' s, G5 w
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this
H8 Q- @, g7 i5 Z; c- Tyear the early theme I'm seeing is banks getting more creative in an
6 ?( H) d$ b7 b& {3 heffort to help you borrow more money. This is partly in response to growing . }. V' b& I# ?2 q
concerns about the potential of rising rates. ! w2 n$ ^: e3 I
) W9 b8 Q% A0 t" gIn an effort to take the focus away from rates, look for two lenders to
" q6 J) @& ?# F6 P- mcome out with 'True Equity' programs that will allow home buyers the
" H1 p# p8 p- ?$ K* Eability to borrow up to 75% of the equity in their homes without having
) f2 w0 q8 [3 Q+ s( @2 d9 o! ?8 \to qualify based on their incomes. These programs were previously only
! p: p( \4 @5 x6 c5 A+ ^available to self-employed borrowers. Income earners had to either put
# D. K/ v/ V- Y/ }1 ]1 Vmore money down or pay higher rates. This will now be a mortgage based * Q& ?7 U" Z9 v% b- D: q! p
on the equity and the rates will be fully discounted.4 d6 b4 f( O D* ^4 l2 t3 V! ?
Another product to keep an eye on is more lenders who will be combining . d- f# [1 {" P; c$ h! U2 m' l
the mortgage with the line of credit and creating a 'Global borrowing 2 r" m8 R/ _8 L: |. T0 L$ {2 ^4 D
limit' that will be re-advanceable. More and more consumers will be $ F0 c; P+ ~$ t" W9 J# o
looking for these kind of products for tax planning and investment
$ p# S& e) G* e" y* _strategies. 5 Q" {; i' j; K* B- F* B& \5 H! |
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And speaking about investors, banks are starting to recognize the
* N9 |8 X, [/ ~& ]growing number of home owners who are buying multiple revenue properties for
& ~7 x- L, H) ^: Z: winvestments and we now have an 'Interest-Only' mortgage available for
5 w$ E. O: F2 |self-employed borrowers on a 'Stated-income' basis for revenue # c9 B# }% H: `! I1 Q; E
properties. This marks the first time a self-employed individual can use
( t9 v4 ?, I8 k. Y# g8 D M: k'stated-income' to qualify for a revenue property. & K2 A w y, N9 p5 S8 i
3 k2 D4 y; M2 pThe interest rates will be higher for this product, but it is 8 ]7 o2 q0 L7 }/ {' U
reflective of a growing trend towards American-Style lending practices. A prime
, y. ]4 T/ V+ y2 Z3 e/ B* F Hexample of an American trend influencing our banks will be longer 5 a. ?# M6 |' ]/ x* U! u
amortization periods. Canada has held tight on 25 year amortizations for
% C1 K& ?& I. s& ~4 Y- G: B- t+ oyears, up until now that is. A few lenders have announced 30 year
" ~ H3 |5 p) j% o& ~, ?amortizations on CMHC insured mortgages at fully discounted interest rates.0 U) e& y" W! }/ h( L
' a% X6 r' P( _; t( `( ]4 EFinally, in an effort to further take your attention away from the long
1 z& G. e* T( i9 p# x' b$ tterm rates, look for lenders to get more creative with the discounts * q. y' y' r b8 c
they offer on Variable Rate Mortgages. I fully expect to see stronger
* \: t; ^2 t$ e' O& x/ j; qcompetition in the form of creative 'front-end loaded' discounts and
+ ^! A+ z. a4 W6 g3 A9 G) ]" Oteaser rates that make it more confusing to compare an apple to an apple
6 X5 Q7 k: u+ G* N ewhen shopping for the best mortgage option. It's going to be another busy ! r' R1 O% w6 Q" ^% Y" W
spring market and consumers are going to be faced with more choices
& G; X6 B! I* n! [than ever before. The key, like always, is to get expert advice and ; y$ B2 t# w3 n
remember you have options. |
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发表于 2006-5-7 20:26
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