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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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) D* h3 }9 n4 x+ p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。
" L6 L1 F7 j9 KThe following article is written by Peter Kinch.
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% h3 F/ @1 {) x. ^Spring Is In The Air! In some markets in Canada it may feel like - k7 U; @" Z8 I' |/ U' |7 _6 i8 G* a
Spring is starting to arrive. Each and every year in late February and
0 _# |$ m2 C0 m/ |" F" d9 c, }* _early March, the banks start rolling out their Spring market campaign of
$ p+ r6 d" C7 `% l6 `new products in an effort to attract new consumers. And, if early signs 6 i: W+ n+ a2 q/ _
are any indication, we're poised for yet another busy spring. The banks ' b$ i9 L R3 ]7 `6 Q
view this as the best time of year to get your attention by coming up * D. |9 T5 P' h) Y" l" E
with new products or simply putting twists on old ideas. , ~) A$ k% X+ ^2 }9 X1 w4 s' F9 @) x
- o, P1 q2 o# i7 m' WOver the next few weeks we'll see a variety of new products and this
! I: J* V* h3 u; ayear the early theme I'm seeing is banks getting more creative in an
: ]/ G5 i( l4 N" I" Meffort to help you borrow more money. This is partly in response to growing * E) l9 k( A2 |1 K2 D
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
/ u* k- Z: ~# a# |/ M* q9 X! ~come out with 'True Equity' programs that will allow home buyers the 2 a& y% g% R0 l: ]
ability to borrow up to 75% of the equity in their homes without having
! O% L7 v/ R' d* d2 W" J; Ato qualify based on their incomes. These programs were previously only ) K m. O+ w1 T( u
available to self-employed borrowers. Income earners had to either put
/ U/ l' c( y5 Y" Emore money down or pay higher rates. This will now be a mortgage based 6 g$ |3 i) {" B2 Q4 r
on the equity and the rates will be fully discounted.2 X* `3 p/ o( M' q4 o
Another product to keep an eye on is more lenders who will be combining
' \4 R' i6 I% t" G1 g& Jthe mortgage with the line of credit and creating a 'Global borrowing 3 Z9 i: R- Z. Z X* h$ b9 @1 y
limit' that will be re-advanceable. More and more consumers will be
8 Y4 H- o" ?" ]1 ]6 glooking for these kind of products for tax planning and investment & ^" G8 l" _- h! h& j& ~/ e+ K7 U
strategies.
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And speaking about investors, banks are starting to recognize the 9 E( l0 I% B ]4 D, u
growing number of home owners who are buying multiple revenue properties for
# U; ~, Z& G$ O7 H, u# Minvestments and we now have an 'Interest-Only' mortgage available for # d" ?, G, B5 @ {8 q% M
self-employed borrowers on a 'Stated-income' basis for revenue
+ Q- I; ^$ H# W7 M2 w7 M6 [5 tproperties. This marks the first time a self-employed individual can use 9 N; J# v: Q3 }6 C( T
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is $ a# C- m a2 f" y8 x1 J0 y
reflective of a growing trend towards American-Style lending practices. A prime ' v- A8 e. m1 f1 o! k+ y5 P- b
example of an American trend influencing our banks will be longer / j% e) b. I/ W. F2 |9 k$ Q
amortization periods. Canada has held tight on 25 year amortizations for
$ i# z' H, I6 O `years, up until now that is. A few lenders have announced 30 year " D' Y6 V: P8 R
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 : |% g5 S' K' h) v1 S
term rates, look for lenders to get more creative with the discounts
) q) B( d5 U, Y) Uthey offer on Variable Rate Mortgages. I fully expect to see stronger
) ]" v, H1 ^( V7 e$ Ecompetition in the form of creative 'front-end loaded' discounts and 8 A! r( [$ d6 V5 b& x
teaser rates that make it more confusing to compare an apple to an apple 8 X0 |5 p e) I( W# O" E, j
when shopping for the best mortgage option. It's going to be another busy - ?4 r; |! A2 d) y+ P) u
spring market and consumers are going to be faced with more choices % x* q0 x$ i. w8 B
than ever before. The key, like always, is to get expert advice and
& z/ B9 L# e9 W0 M# t! dremember you have options. |
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发表于 2006-5-7 20:26
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