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原帖由 dgg 于 2006-5-8 10:12 发表( u- @) |6 ?3 ]; V/ B6 N
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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。
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The following article is written by Peter Kinch.+ y+ L& S; n1 S) x( U) B
2 D7 ^9 Y& R/ b9 M2 QSpring Is In The Air! In some markets in Canada it may feel like
8 z9 f- v! D- a: S1 x" N$ k6 aSpring is starting to arrive. Each and every year in late February and
& ^; N; w- R8 x1 Gearly March, the banks start rolling out their Spring market campaign of & e3 m3 S! A8 d6 Y& m1 O$ h
new products in an effort to attract new consumers. And, if early signs * F M6 G% r# ?3 |" d' w
are any indication, we're poised for yet another busy spring. The banks
9 m3 Q3 U$ y" P1 l) Vview this as the best time of year to get your attention by coming up # _9 }; }% f8 M9 b0 V! U
with new products or simply putting twists on old ideas. 8 l8 H) O, m/ |5 v# v8 H7 q; G
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Over the next few weeks we'll see a variety of new products and this
7 l& K- S" l" J4 G" J4 l1 J/ P+ Uyear the early theme I'm seeing is banks getting more creative in an
3 T4 P# Y+ B! Z" Q8 Yeffort to help you borrow more money. This is partly in response to growing : b Y0 {& B8 v( [+ N
concerns about the potential of rising rates. % B( |& M9 F5 b& z
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In an effort to take the focus away from rates, look for two lenders to & ?, W, e+ A1 D8 m5 \! {
come out with 'True Equity' programs that will allow home buyers the $ I8 b% f" J9 D$ Q
ability to borrow up to 75% of the equity in their homes without having 5 B" a# l, q( h
to qualify based on their incomes. These programs were previously only
. o5 \. u! T" Wavailable to self-employed borrowers. Income earners had to either put " C" r* k3 \1 d L g
more money down or pay higher rates. This will now be a mortgage based
4 c; y0 o3 N% non the equity and the rates will be fully discounted.
" v" s5 |( i3 kAnother product to keep an eye on is more lenders who will be combining + @/ R5 t+ N, W! j% J* I
the mortgage with the line of credit and creating a 'Global borrowing
2 G/ ~- _$ Q+ \# Climit' that will be re-advanceable. More and more consumers will be 7 U4 q u9 U+ w- {: L+ N- K
looking for these kind of products for tax planning and investment
2 w, F, |4 P$ g0 Q& I4 s Istrategies. 0 I: t2 Y3 B0 f& ?- ^$ f# h
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And speaking about investors, banks are starting to recognize the 4 R4 J! {! V8 E
growing number of home owners who are buying multiple revenue properties for 2 H) V& p6 ^+ u; L" I
investments and we now have an 'Interest-Only' mortgage available for 3 h1 @" a+ {, v0 \3 e% O) [! N0 e
self-employed borrowers on a 'Stated-income' basis for revenue
$ n/ k j7 e% lproperties. This marks the first time a self-employed individual can use : ~/ S. L# d9 j7 u, u" v/ p
'stated-income' to qualify for a revenue property. 9 z9 s* @9 O7 l7 ?) X/ K) T% y
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The interest rates will be higher for this product, but it is + u4 k( _ F/ A, m+ j
reflective of a growing trend towards American-Style lending practices. A prime % ^* k8 g4 {3 S& x1 G6 D+ w9 z
example of an American trend influencing our banks will be longer . t& D2 R4 v) O5 J7 k0 H' f$ w, N
amortization periods. Canada has held tight on 25 year amortizations for . B; a% z2 r$ @! G3 G: ~
years, up until now that is. A few lenders have announced 30 year / y) ~: ]% e7 p; N1 h
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
# o/ F W8 n5 y* W9 G9 U3 f4 [term rates, look for lenders to get more creative with the discounts 8 |# ]1 f8 O; _% p4 S# e& n3 P
they offer on Variable Rate Mortgages. I fully expect to see stronger 9 F. i' }% m# \/ k0 l Q) h$ h! M
competition in the form of creative 'front-end loaded' discounts and
8 X9 `- }; b; q0 K* _teaser rates that make it more confusing to compare an apple to an apple ' J/ s. q: \* n2 X, Z
when shopping for the best mortgage option. It's going to be another busy 7 U& c4 M( _3 x0 |
spring market and consumers are going to be faced with more choices
2 _2 t8 J/ W$ a3 N3 xthan ever before. The key, like always, is to get expert advice and % ^4 T7 C& O: N% a
remember you have options. |
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发表于 2006-5-7 20:26
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