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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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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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, ^+ t: U( j( J7 {( J8 n: n% M8 A3 B/ AThe following article is written by Peter Kinch.: P) A" d' j4 ]9 c
3 O: Z) l9 }* _Spring Is In The Air! In some markets in Canada it may feel like
~" p* v) l# NSpring is starting to arrive. Each and every year in late February and
/ k0 c2 F- q4 cearly March, the banks start rolling out their Spring market campaign of * I& t3 v! U% d1 Z% J/ L/ ]
new products in an effort to attract new consumers. And, if early signs ! q6 S1 p. {8 J/ W6 r" j( b& R, d
are any indication, we're poised for yet another busy spring. The banks 6 K) p/ s0 I/ o: h/ W+ |
view this as the best time of year to get your attention by coming up - M& o" F B7 @- o/ Y M/ P
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 ( R ~7 G) \5 n/ E
year the early theme I'm seeing is banks getting more creative in an
0 ?0 e) a% }' F$ [effort to help you borrow more money. This is partly in response to growing % s. n6 G. ~) ~7 J0 @, Y
concerns about the potential of rising rates.
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" f9 o; g! |0 m3 oIn an effort to take the focus away from rates, look for two lenders to
$ {- I$ G6 M: @% n* }come out with 'True Equity' programs that will allow home buyers the
. R: A7 ?' ]5 G' Z! e! h, ]ability to borrow up to 75% of the equity in their homes without having
3 a( c' [( C8 @+ n: t7 O1 i( ~6 xto qualify based on their incomes. These programs were previously only : R$ K2 n; l4 H
available to self-employed borrowers. Income earners had to either put
0 w, A- ]) m, a5 @, zmore money down or pay higher rates. This will now be a mortgage based
: _( r+ [9 j/ X" l& N/ qon the equity and the rates will be fully discounted.7 I3 E! [. G% E+ C+ Y
Another product to keep an eye on is more lenders who will be combining
1 m( f) |/ y: j' Q$ F, uthe mortgage with the line of credit and creating a 'Global borrowing 5 e; w6 l' m- G8 P3 r
limit' that will be re-advanceable. More and more consumers will be
# l5 W7 N) q' c5 T& _) k) ?# ilooking for these kind of products for tax planning and investment 9 o. z# K/ H* o
strategies. * I3 s5 [( o5 z" c4 \! c
# G& |# U g/ F( J" gAnd speaking about investors, banks are starting to recognize the
. P, O5 y( K7 F! G& A( ?growing number of home owners who are buying multiple revenue properties for
4 @" Z) r; m3 S7 x9 Rinvestments and we now have an 'Interest-Only' mortgage available for
* X. i3 }' X( ^- M* iself-employed borrowers on a 'Stated-income' basis for revenue
+ z( }& t) W1 g# V' ~. C( o9 ?properties. This marks the first time a self-employed individual can use ( a5 X- u% V8 [& T5 P* [, v
'stated-income' to qualify for a revenue property. 2 j# I$ N- T6 w+ H* G+ N( C& P; ?
: {0 b9 m; n8 ~8 w" |. W; f8 O' RThe interest rates will be higher for this product, but it is 7 M& ?5 i( _: `) g6 _
reflective of a growing trend towards American-Style lending practices. A prime & D+ d. ^3 a& X
example of an American trend influencing our banks will be longer 9 ]* u T: J+ g: ~
amortization periods. Canada has held tight on 25 year amortizations for 7 u% _$ ~4 z2 [2 d( y( Y }$ x
years, up until now that is. A few lenders have announced 30 year
1 S( M8 h' r% Z/ s. ?amortizations on CMHC insured mortgages at fully discounted interest rates.! k% H, q. X f% `2 q5 G
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Finally, in an effort to further take your attention away from the long
) J6 I [3 n& r2 h% M8 }+ |$ \+ cterm rates, look for lenders to get more creative with the discounts
% \( x+ ~9 z0 E5 E6 X' p+ T$ lthey offer on Variable Rate Mortgages. I fully expect to see stronger ( p7 b- Y0 A1 e! `6 }
competition in the form of creative 'front-end loaded' discounts and x% K6 w( Z. P. x* e4 Z* W( I) w. L
teaser rates that make it more confusing to compare an apple to an apple
% n+ i. Q0 a& c, m2 rwhen shopping for the best mortgage option. It's going to be another busy
0 C$ M4 s, l5 }spring market and consumers are going to be faced with more choices
* h( G+ h& x/ y9 a5 K, Z4 ?than ever before. The key, like always, is to get expert advice and
& y8 d0 V+ |. A/ [( y- Gremember you have options. |
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发表于 2006-5-7 20:26
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