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原帖由 dgg 于 2006-5-8 10:12 发表8 b' L, c! k+ j2 p
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& j0 |* ?, l, d5 | H谢谢，请继续。; g7 Q3 `7 t) D% V2 T. K4 m5 j# P. Q
# i: M. N, ]) n2 I# B) B- P, V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。
4 S( D6 ~9 V1 V3 ^, H; [) tThe 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 , ?' t& o4 n* [! u
Spring is starting to arrive. Each and every year in late February and
5 l/ Z+ n6 [( U3 h- vearly March, the banks start rolling out their Spring market campaign of
, m' W, F1 q9 T0 P/ Bnew products in an effort to attract new consumers. And, if early signs
) V' K, i$ k$ t7 D0 X( Jare any indication, we're poised for yet another busy spring. The banks
, |" V: V+ R! y- Mview this as the best time of year to get your attention by coming up 2 ?0 C( E( }7 ^) d
with new products or simply putting twists on old ideas. 5 A( `- F7 @: V$ d; r$ {2 V
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Over the next few weeks we'll see a variety of new products and this 4 L! n. F- s* o3 c: i- e
year the early theme I'm seeing is banks getting more creative in an
* D" y9 |0 K8 f0 k1 y$ Heffort to help you borrow more money. This is partly in response to growing
0 } h+ U: d P& \% D/ F4 S% Bconcerns about the potential of rising rates.
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- I: A9 A7 k! i/ t& y8 g) dIn an effort to take the focus away from rates, look for two lenders to / j M( [, T$ c! W$ b
come out with 'True Equity' programs that will allow home buyers the
" R8 ?: Y& _+ Y# gability to borrow up to 75% of the equity in their homes without having ; \; [5 v) r7 D- [5 }" O4 k4 E" D
to qualify based on their incomes. These programs were previously only
9 e$ R$ W1 S* B4 O" p! Vavailable to self-employed borrowers. Income earners had to either put # O& T& W4 D/ g+ x
more money down or pay higher rates. This will now be a mortgage based ; @/ R2 S% }. z- C2 B( {
on the equity and the rates will be fully discounted.
8 J* e$ J3 b3 u h( vAnother product to keep an eye on is more lenders who will be combining
9 o: _$ C/ R3 _8 ?* O/ Sthe mortgage with the line of credit and creating a 'Global borrowing
& t' u7 e6 B. Y9 flimit' that will be re-advanceable. More and more consumers will be
5 {. c9 C7 v( `+ K4 v& Elooking for these kind of products for tax planning and investment # M- R- Q% K. R$ W/ ]+ Z4 o- ]
strategies. $ L' d! H; k# }% q
& O- ?) n- X2 c* M6 L( lAnd speaking about investors, banks are starting to recognize the
5 c5 S2 L" b0 |/ a' qgrowing number of home owners who are buying multiple revenue properties for
; a5 @8 P: r; A( I# G ?4 V$ rinvestments and we now have an 'Interest-Only' mortgage available for
- B. B9 P$ r5 |; b, S8 V, Q; T9 d! Bself-employed borrowers on a 'Stated-income' basis for revenue
6 r: E: N& N8 T2 m" }# Oproperties. This marks the first time a self-employed individual can use
4 D# @ W) R1 o! j'stated-income' to qualify for a revenue property. 3 \3 M' N- v8 _) t }, m5 E2 t
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The interest rates will be higher for this product, but it is ; K2 I) y& e1 z o
reflective of a growing trend towards American-Style lending practices. A prime % C0 { d7 ]- q
example of an American trend influencing our banks will be longer m2 }! i& _. ]% A: o' K& i
amortization periods. Canada has held tight on 25 year amortizations for 5 A3 |$ v7 S9 _8 ]0 s: E/ u
years, up until now that is. A few lenders have announced 30 year - C( i. v! R: J3 ?9 U% p6 Q
amortizations on CMHC insured mortgages at fully discounted interest rates.
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0 ]* f ~9 j1 G0 {* h, OFinally, in an effort to further take your attention away from the long
( V- Q* ]" f; [ {9 ]- z$ jterm rates, look for lenders to get more creative with the discounts
1 N# T6 ^$ `8 ethey offer on Variable Rate Mortgages. I fully expect to see stronger 0 h$ k6 T$ k0 c# p& |
competition in the form of creative 'front-end loaded' discounts and 9 M9 K# u$ y# t
teaser rates that make it more confusing to compare an apple to an apple ' J. g3 d. s2 e4 y, d! c" S
when shopping for the best mortgage option. It's going to be another busy % p9 L, \ {. B- ?. v) ~! C
spring market and consumers are going to be faced with more choices
# }( a: ~ I! r$ U( ?8 |$ N+ A! bthan ever before. The key, like always, is to get expert advice and
! B1 m8 \5 Q; [6 w& y5 cremember you have options. |
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发表于 2006-5-7 20:26
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