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原帖由 dgg 于 2006-5-8 10:12 发表
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2 P3 F2 u2 Q2 C8 d8 W+ J7 t谢谢，请继续。4 v5 g, g! \ c. V. h! _& I
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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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4 a5 x0 Y5 J7 J3 W, x- jThe following article is written by Peter Kinch.! b$ ^' h, y& }. I) _) b
, L# ^: R0 R; v% I# q9 }3 J, v4 zSpring Is In The Air! In some markets in Canada it may feel like / N/ ^4 v+ F# |! X( N+ f
Spring is starting to arrive. Each and every year in late February and ! h0 z3 ]$ C1 q% V: J5 r
early March, the banks start rolling out their Spring market campaign of
1 x, E4 d9 i3 r$ t" |* J+ cnew products in an effort to attract new consumers. And, if early signs 5 u9 j$ Z: \& n
are any indication, we're poised for yet another busy spring. The banks ( A% m" I: K$ q8 z7 L: c
view this as the best time of year to get your attention by coming up : o* o: I; @, G, n3 s" U* E+ `
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this " n3 }% t% U! e7 I( K
year the early theme I'm seeing is banks getting more creative in an
# q c2 X. k; y6 v- Z4 t" k& b+ f/ Peffort to help you borrow more money. This is partly in response to growing
7 B, y( e1 B* J' f2 ~' K, Oconcerns about the potential of rising rates. & I9 R, ]: k/ J* I2 ^0 S
& D2 S' b+ ^6 F: \; UIn an effort to take the focus away from rates, look for two lenders to 8 p% I, `) x6 O- C' ~! N
come out with 'True Equity' programs that will allow home buyers the & M7 B" J, m+ I" t; H
ability to borrow up to 75% of the equity in their homes without having , A* ]0 j9 v, X p1 a3 Y
to qualify based on their incomes. These programs were previously only
3 D4 B% R1 u/ davailable to self-employed borrowers. Income earners had to either put " r* c* J' P% p7 c$ |1 L0 t
more money down or pay higher rates. This will now be a mortgage based 2 O$ [8 ^1 t+ @. r+ W
on the equity and the rates will be fully discounted.7 O" n f D7 t+ o* r
Another product to keep an eye on is more lenders who will be combining / P& k+ _. b% J4 S& g
the mortgage with the line of credit and creating a 'Global borrowing : ?) D A% V) Q
limit' that will be re-advanceable. More and more consumers will be
4 L f- b/ j# ?looking for these kind of products for tax planning and investment
, M4 D# s3 u q, R' I- Vstrategies. 0 \& q* t R' V4 f! U
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And speaking about investors, banks are starting to recognize the * E& w5 S2 V5 R; w o9 u
growing number of home owners who are buying multiple revenue properties for
0 ?6 s Y% D( v: }investments and we now have an 'Interest-Only' mortgage available for . l% X) t6 G5 A k; u
self-employed borrowers on a 'Stated-income' basis for revenue . w5 n- D/ W1 E: T
properties. This marks the first time a self-employed individual can use
c( z% t1 M5 n, `: c'stated-income' to qualify for a revenue property. 2 s# J' ]( H2 _& A& ?* O& F
* p- z% @8 }' FThe interest rates will be higher for this product, but it is
" ^0 S8 c3 f5 f$ J, `$ ireflective of a growing trend towards American-Style lending practices. A prime / L6 q7 U. d( @0 \
example of an American trend influencing our banks will be longer 5 w6 _1 U4 H5 s+ E3 ~
amortization periods. Canada has held tight on 25 year amortizations for
3 O4 s: B# E* c2 n- J. Ayears, up until now that is. A few lenders have announced 30 year
0 Y$ _* d2 z# J. k* z, ]6 pamortizations on CMHC insured mortgages at fully discounted interest rates.
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4 M+ x" K ^4 v7 f& A) E7 |# z9 C( DFinally, in an effort to further take your attention away from the long
1 \* o8 N8 x0 Cterm rates, look for lenders to get more creative with the discounts
: y) J- A4 ~) ethey offer on Variable Rate Mortgages. I fully expect to see stronger
' T* A: L# |3 n4 I) G& Dcompetition in the form of creative 'front-end loaded' discounts and 7 Q! x( J! H" N* t5 F
teaser rates that make it more confusing to compare an apple to an apple
n+ t" T, s4 w0 u, @5 Iwhen shopping for the best mortgage option. It's going to be another busy
& A" b% }, T( A( h- dspring market and consumers are going to be faced with more choices
* K; @$ o) u) {# g8 a+ F5 `, O" Kthan ever before. The key, like always, is to get expert advice and 6 v0 F; z* r7 c/ b# {: _/ ~
remember you have options. |
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发表于 2006-5-7 20:26
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