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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。: Q9 A) ^' H6 ?( u6 @
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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。
+ A! e9 m( n- \8 Q, ?The following article is written by Peter Kinch.0 E0 u( ?3 J0 y6 S2 Z* h
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Spring Is In The Air! In some markets in Canada it may feel like / b$ f( z, J6 @* R; {! M
Spring is starting to arrive. Each and every year in late February and
3 x+ e U% x0 T; Wearly March, the banks start rolling out their Spring market campaign of
1 o) U6 h0 Q$ f+ R- b4 U' ]new products in an effort to attract new consumers. And, if early signs 2 W. u4 `# Q5 g
are any indication, we're poised for yet another busy spring. The banks V2 y/ b% t9 K4 }; T7 K8 @9 @+ D
view this as the best time of year to get your attention by coming up + o& n- @& F& U9 {8 @" ^0 V& z
with new products or simply putting twists on old ideas.
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* r6 d0 _$ ~4 a; d2 SOver the next few weeks we'll see a variety of new products and this , `& s4 J) g7 N9 }
year the early theme I'm seeing is banks getting more creative in an . {; E8 C1 q# W
effort to help you borrow more money. This is partly in response to growing
# Y9 n+ b+ O( L/ ^8 N: V5 M4 pconcerns 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 / v8 H/ v' l6 F( f0 ]
come out with 'True Equity' programs that will allow home buyers the
$ n, J7 b' ~" u& ]: ], d8 {# Pability to borrow up to 75% of the equity in their homes without having
6 h" s% Z) @# _& `to qualify based on their incomes. These programs were previously only
3 ?8 x& r7 j. I% y- ^available to self-employed borrowers. Income earners had to either put 2 _! b! }' k8 o n/ F' z) q
more money down or pay higher rates. This will now be a mortgage based
& ^+ h T4 C7 ~4 T) Q+ Y1 a0 von the equity and the rates will be fully discounted.) r/ O; f0 L l) x4 r+ k
Another product to keep an eye on is more lenders who will be combining + j" B- r% ?, x z& K4 P& S: z; |
the mortgage with the line of credit and creating a 'Global borrowing 5 q& l" \9 p2 X7 M1 ]
limit' that will be re-advanceable. More and more consumers will be 7 u" F. ?7 s) m& n- v% r3 w! o1 \
looking for these kind of products for tax planning and investment * t- D `! {0 n6 s* U
strategies. P" n# K+ f" [. L- z! K+ U
2 e0 V/ y* Z* OAnd speaking about investors, banks are starting to recognize the
$ p% e; |- Z0 m1 e' |growing number of home owners who are buying multiple revenue properties for
6 s- ?5 _7 B. X# Q# k i7 ^( u) sinvestments and we now have an 'Interest-Only' mortgage available for : _$ T, ?; b1 E0 x( o! Y4 U+ {. ~, s, [
self-employed borrowers on a 'Stated-income' basis for revenue ; K- {) A" L$ w, y- J
properties. This marks the first time a self-employed individual can use # z9 X: ^# b5 c+ v" N. [# j, k7 W
'stated-income' to qualify for a revenue property. 7 ]) N1 u+ N. R/ C/ [
9 c& o! X4 L5 H- f! m2 qThe interest rates will be higher for this product, but it is * i0 x. y7 m0 z% J) T3 m& y) F
reflective of a growing trend towards American-Style lending practices. A prime
6 C0 P ~8 Q0 ~/ R+ A( \( eexample of an American trend influencing our banks will be longer
9 m7 X& S. m% C) u5 K# C9 y& j( w% samortization periods. Canada has held tight on 25 year amortizations for 3 H0 K/ ^" r1 P
years, up until now that is. A few lenders have announced 30 year
& Z9 l( `: g7 |$ F; Zamortizations on CMHC insured mortgages at fully discounted interest rates.
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3 ^, F3 t& V7 L# ~! ?. v }Finally, in an effort to further take your attention away from the long . J2 I' S8 n6 q2 K0 a2 z0 n' J
term rates, look for lenders to get more creative with the discounts
& t; Q! R) K9 athey offer on Variable Rate Mortgages. I fully expect to see stronger 5 c6 A; B: |) H+ J/ V
competition in the form of creative 'front-end loaded' discounts and 5 w0 P& G% K* Y' Q$ K+ k+ E
teaser rates that make it more confusing to compare an apple to an apple ) d; C+ f, F! L% A6 ?7 b' w, X
when shopping for the best mortgage option. It's going to be another busy
- }% f6 K1 z0 l4 H/ ]spring market and consumers are going to be faced with more choices ) ?/ a! l1 b# [4 _& E3 E! l* ^
than ever before. The key, like always, is to get expert advice and
* f; Y# Q; x, [6 }remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
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