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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。- L. h7 j) G8 B2 S$ \" {' b! [
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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。
5 K+ r+ A+ Z3 F" Z) p5 A# B$ X( F' \The following article is written by Peter Kinch.
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( G8 V g) N( p$ s* E1 h. BSpring Is In The Air! In some markets in Canada it may feel like
, D# D' e( r1 P, Q( E* ~" U PSpring is starting to arrive. Each and every year in late February and
L! [7 U6 T" x/ {$ d$ Dearly March, the banks start rolling out their Spring market campaign of , A f9 s" F) [0 ?
new products in an effort to attract new consumers. And, if early signs
1 H' h% t! q! f {/ k( Z3 Pare any indication, we're poised for yet another busy spring. The banks
1 ?5 h) g+ e$ i" H2 Sview this as the best time of year to get your attention by coming up + H3 Q/ K8 o; X+ |0 S5 d& D# F
with new products or simply putting twists on old ideas.
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: R0 J5 f3 S9 J9 kOver the next few weeks we'll see a variety of new products and this % q# ^+ C) I3 o1 C0 G
year the early theme I'm seeing is banks getting more creative in an ; A) A: d4 ^- k
effort to help you borrow more money. This is partly in response to growing
4 i0 s. V3 K2 N* dconcerns about the potential of rising rates.
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3 z8 ^. k& F Y& N2 n: t9 MIn an effort to take the focus away from rates, look for two lenders to ( t& s- ~% ~. P% L( K# w
come out with 'True Equity' programs that will allow home buyers the
/ s% d& g h3 t; Oability to borrow up to 75% of the equity in their homes without having * U' z& v! A# R. e( G8 c; p
to qualify based on their incomes. These programs were previously only
5 p& J7 c7 N2 |available to self-employed borrowers. Income earners had to either put 7 v2 K u* H5 L
more money down or pay higher rates. This will now be a mortgage based
' r8 h, x! V4 U0 ?8 T# Xon the equity and the rates will be fully discounted.2 B( S- J6 ?# Y1 n9 a! C
Another product to keep an eye on is more lenders who will be combining 1 }4 V$ Z7 j3 Z" ^6 ~, r0 J
the mortgage with the line of credit and creating a 'Global borrowing
0 K' T" Y* e- D3 ?2 dlimit' that will be re-advanceable. More and more consumers will be
3 b* A9 d" @! U) v1 @' xlooking for these kind of products for tax planning and investment ) y' r( m; r; ?2 ~
strategies. / d, A$ A" V, B! @2 f4 m& X4 D
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And speaking about investors, banks are starting to recognize the
2 G) m/ U; S9 t, y* S1 }' Hgrowing number of home owners who are buying multiple revenue properties for 7 j& g: R# c7 x( `9 s
investments and we now have an 'Interest-Only' mortgage available for
+ K( @! o6 {) ?' }. ~* ]( mself-employed borrowers on a 'Stated-income' basis for revenue ; B6 C/ W1 s8 I* o. R
properties. This marks the first time a self-employed individual can use
$ N7 G' e, i; C: H'stated-income' to qualify for a revenue property.
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5 o" h; s7 `, y9 d8 X' i- k3 w6 M- qThe interest rates will be higher for this product, but it is $ o2 G, I j; {, B8 q
reflective of a growing trend towards American-Style lending practices. A prime % q3 ~1 y- ?8 `3 q0 ~9 d
example of an American trend influencing our banks will be longer , w! j1 e& V [0 M% x6 g- J
amortization periods. Canada has held tight on 25 year amortizations for
+ g4 `1 b, u) [/ n+ J! {! @9 \years, up until now that is. A few lenders have announced 30 year
) h4 S2 P/ P2 v$ ^- Namortizations 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 ) ]8 F1 T6 O3 C1 |) u3 [6 i, ]8 z# Q
term rates, look for lenders to get more creative with the discounts
( [( z0 W7 w9 q* rthey offer on Variable Rate Mortgages. I fully expect to see stronger 9 r- \* ^1 `. v- J
competition in the form of creative 'front-end loaded' discounts and
) U2 t6 ^' }9 x2 G; Tteaser rates that make it more confusing to compare an apple to an apple
* E2 y$ Q0 Q! C" h- k) S- Y, R9 Rwhen shopping for the best mortgage option. It's going to be another busy . g! l7 I. F8 n5 t$ D# G4 D! J
spring market and consumers are going to be faced with more choices
$ K7 A* t4 k7 X# L& C8 Athan ever before. The key, like always, is to get expert advice and
. b) x& V# I& _0 c5 F, a& d k: O9 @remember you have options. |
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发表于 2006-5-7 20:26
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