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原帖由 dgg 于 2006-5-8 10:12 发表# ^* m2 B! J# j9 Y7 W/ \& t: h* W3 T6 c
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/ T; `+ t4 V0 k V2 M6 t谢谢，请继续。: K x3 p& K: O5 L/ L3 C; D
7 E' L' a7 S2 a) r8 n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 ! w3 @3 H) ~3 p5 a' `0 \
Spring is starting to arrive. Each and every year in late February and 0 J/ }! D; |; K$ I/ M# O
early March, the banks start rolling out their Spring market campaign of & \! e/ ~) G) L5 A2 A1 {0 E
new products in an effort to attract new consumers. And, if early signs 2 q& }. T8 f) d4 O4 J) P
are any indication, we're poised for yet another busy spring. The banks ' q$ w. I* j7 }4 d% m
view this as the best time of year to get your attention by coming up 3 Q9 G/ ~: e* X
with new products or simply putting twists on old ideas. 7 M4 w) l( O: M8 N8 b8 ~
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Over the next few weeks we'll see a variety of new products and this
q- v3 x5 o. o9 @" K' x3 ~year the early theme I'm seeing is banks getting more creative in an
! j. s% |+ t; S5 Q3 q8 feffort to help you borrow more money. This is partly in response to growing 9 ?# B2 }; L( S( J! R
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
% }9 B8 _5 t5 a; Ocome out with 'True Equity' programs that will allow home buyers the
. Q6 j8 Q0 A9 D7 i7 w+ N5 Z, F" i$ Xability to borrow up to 75% of the equity in their homes without having 5 T i. g) T) ~9 i
to qualify based on their incomes. These programs were previously only * Y8 A6 W4 I1 @* f+ G
available to self-employed borrowers. Income earners had to either put
; k& s3 g4 f0 hmore money down or pay higher rates. This will now be a mortgage based
5 h( T o+ e0 W# e3 L9 v* Aon the equity and the rates will be fully discounted.: r( I3 Q, O# Z, i5 {& r
Another product to keep an eye on is more lenders who will be combining / B7 K! `% u% m2 i& Z
the mortgage with the line of credit and creating a 'Global borrowing . |% R0 G8 N# T$ J' T& s; o
limit' that will be re-advanceable. More and more consumers will be
7 _. U, `5 |9 _" S) elooking for these kind of products for tax planning and investment
5 ^% X/ i! Z1 L1 g- cstrategies.
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And speaking about investors, banks are starting to recognize the . V* [% V4 ^5 G) S6 g
growing number of home owners who are buying multiple revenue properties for / Q- P3 X6 r$ s/ K
investments and we now have an 'Interest-Only' mortgage available for 1 N* N% E ~! w6 U7 G% @6 V
self-employed borrowers on a 'Stated-income' basis for revenue
/ @& A- o, ^" Qproperties. This marks the first time a self-employed individual can use
2 b3 p1 |) V, |0 C9 A'stated-income' to qualify for a revenue property. 8 X! z& A' Z3 |; z4 Q# w
/ d1 E5 Z. y7 X0 M9 g |" k; wThe interest rates will be higher for this product, but it is
% v; ^1 U6 n* f+ Preflective of a growing trend towards American-Style lending practices. A prime
7 B, ?- y u" V( _3 a1 Yexample of an American trend influencing our banks will be longer
% |* D; k$ Z2 X; S: Samortization periods. Canada has held tight on 25 year amortizations for % V; J8 d. ^+ G1 e+ X* b
years, up until now that is. A few lenders have announced 30 year
8 `$ L7 p! w2 S) v" U/ M, k! Kamortizations on CMHC insured mortgages at fully discounted interest rates.
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9 w+ Q& y5 e% o2 WFinally, in an effort to further take your attention away from the long
; I& p( E8 v$ Q% |! b9 l) P) Lterm rates, look for lenders to get more creative with the discounts
O% f& j% {9 }3 j3 M" E& C2 dthey offer on Variable Rate Mortgages. I fully expect to see stronger : o2 w6 U. |* r0 N& T J: W0 g
competition in the form of creative 'front-end loaded' discounts and 2 i/ B8 g- I, U6 {4 p7 g4 Z- }" I
teaser rates that make it more confusing to compare an apple to an apple ! e- P! s' f! }4 h5 _" T
when shopping for the best mortgage option. It's going to be another busy ( r, Y- D7 w9 n9 X0 [ m' x: u5 ?5 E
spring market and consumers are going to be faced with more choices % N# ^7 ~! U: @! p1 b% P: K
than ever before. The key, like always, is to get expert advice and " K( y }$ @5 o l% Z& [& F
remember you have options. |
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发表于 2006-5-7 20:26
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