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原帖由 dgg 于 2006-5-8 10:12 发表- u n0 u9 T- {# _* i2 X
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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.4 X- f# J) T# D3 r1 o* ^
! q( e- h' m& }; X2 r% }Spring Is In The Air! In some markets in Canada it may feel like 8 A7 F" U! p: |3 Y9 C. r- N
Spring is starting to arrive. Each and every year in late February and ! w/ |, j$ m0 m
early March, the banks start rolling out their Spring market campaign of
; y5 o7 y1 _2 V2 \5 r& O9 Snew products in an effort to attract new consumers. And, if early signs
* W6 Q( B6 E: iare any indication, we're poised for yet another busy spring. The banks
* r0 P9 E: y/ p! ^view this as the best time of year to get your attention by coming up
) l, I' d# G. g1 wwith new products or simply putting twists on old ideas. ; a5 M/ y( K* j* y. b- D5 p
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Over the next few weeks we'll see a variety of new products and this
1 _& l) l. a! @8 u6 N* Yyear the early theme I'm seeing is banks getting more creative in an 3 u. f% @/ x$ e/ k3 \# z0 |
effort to help you borrow more money. This is partly in response to growing $ }: A" W9 i! X5 i
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 ' q7 {# t8 B4 w6 B; A; h
come out with 'True Equity' programs that will allow home buyers the % R- @! B/ x o/ X( o( x7 \( r8 a9 \
ability to borrow up to 75% of the equity in their homes without having
# l" n! b/ Y) s" F6 }/ d& }4 @% Xto qualify based on their incomes. These programs were previously only
" I3 ?( n f1 c0 `. F) H# r; Lavailable to self-employed borrowers. Income earners had to either put 5 j2 J' l+ y: c5 [5 {( q7 s5 u( P
more money down or pay higher rates. This will now be a mortgage based ) i( q* {" h: z \# d f
on the equity and the rates will be fully discounted.
4 O$ ?/ p) N" b: ~Another product to keep an eye on is more lenders who will be combining / C+ p/ H( Y# l7 J* B7 P; n, ]
the mortgage with the line of credit and creating a 'Global borrowing
2 Q: c$ i& Y# {3 q8 j) Plimit' that will be re-advanceable. More and more consumers will be ( {. k! z, o* }
looking for these kind of products for tax planning and investment
& r' E( y7 B Z1 L! G# w1 ~strategies.
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And speaking about investors, banks are starting to recognize the
- g( P, J& s! [1 G. z3 A# dgrowing number of home owners who are buying multiple revenue properties for
: D7 O; Q# [5 O) E8 einvestments and we now have an 'Interest-Only' mortgage available for
( n$ U- D9 J$ ~self-employed borrowers on a 'Stated-income' basis for revenue
6 L- \$ r. X/ f$ S/ [properties. This marks the first time a self-employed individual can use
, x' y/ m2 w x( g% W'stated-income' to qualify for a revenue property.
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" O7 i* {+ t- k/ G" hThe interest rates will be higher for this product, but it is
0 Z" Z0 Y) L- J* q0 K3 [reflective of a growing trend towards American-Style lending practices. A prime
1 h8 r% {! V1 lexample of an American trend influencing our banks will be longer 9 G" m6 v5 ?$ y/ r; K; o
amortization periods. Canada has held tight on 25 year amortizations for " z% K6 R4 S, o1 N' H3 M9 U
years, up until now that is. A few lenders have announced 30 year
/ b Q6 D) u9 X0 i' n: T5 Gamortizations on CMHC insured mortgages at fully discounted interest rates.7 c5 k; x8 s2 g! `# |
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Finally, in an effort to further take your attention away from the long * O8 t0 q" e( s+ P X! R$ l9 ?
term rates, look for lenders to get more creative with the discounts 2 i2 W. x/ Y$ R9 j- a
they offer on Variable Rate Mortgages. I fully expect to see stronger
8 u4 y( C2 i1 l+ G( Bcompetition in the form of creative 'front-end loaded' discounts and 8 U$ |" O/ G$ A/ A. C2 l& b0 M
teaser rates that make it more confusing to compare an apple to an apple ( ~ Y* {2 f: |" k! v) s2 L
when shopping for the best mortgage option. It's going to be another busy
% e: o0 `, c* Z5 M8 Lspring market and consumers are going to be faced with more choices
8 Q8 a) ^/ g$ Qthan ever before. The key, like always, is to get expert advice and
! S* w2 N) u+ }6 l2 n6 L' e# wremember you have options. |
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发表于 2006-5-7 20:26
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