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原帖由 dgg 于 2006-5-8 10:12 发表
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1 f4 N. a. T+ G# U+ ]* J2 \ d7 u谢谢，请继续。2 y' D1 ^7 @: 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。
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The following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like x# w2 P% S4 ]+ L/ a
Spring is starting to arrive. Each and every year in late February and 9 l; K9 Y2 m5 z5 M
early March, the banks start rolling out their Spring market campaign of 1 b V2 j3 L @0 [# e4 Y6 P1 t
new products in an effort to attract new consumers. And, if early signs
8 [1 a. N! p" A" [5 E, g" f4 Oare any indication, we're poised for yet another busy spring. The banks
4 P, {, g( Y1 A0 }view this as the best time of year to get your attention by coming up
3 O2 t9 o. _' |' ]0 Dwith new products or simply putting twists on old ideas. - d$ u8 a. b5 G
( y3 @% a7 O$ {( ~Over the next few weeks we'll see a variety of new products and this # I. I+ v" ]# H% }& f, e; `' }
year the early theme I'm seeing is banks getting more creative in an
6 [4 n) D6 w; H8 }effort to help you borrow more money. This is partly in response to growing
! x" ^: }9 `/ N& k7 |6 kconcerns about the potential of rising rates. ' x" v- V- u* M+ U
/ L6 A! t' ~4 S1 d) g0 p ^In an effort to take the focus away from rates, look for two lenders to
$ p7 F0 R4 ]' u9 S0 G8 u2 Pcome out with 'True Equity' programs that will allow home buyers the
0 }" ]1 P8 s' t% N( uability to borrow up to 75% of the equity in their homes without having & X6 ]/ p) \% C8 y I2 {+ J# w& ^3 h
to qualify based on their incomes. These programs were previously only 5 n9 u1 I2 V" d3 T; q$ W9 g
available to self-employed borrowers. Income earners had to either put
! {2 k# |) o; r( N# s% Vmore money down or pay higher rates. This will now be a mortgage based
H' u& h, C. \on the equity and the rates will be fully discounted." N% x% o! P [9 m' A# K
Another product to keep an eye on is more lenders who will be combining
. Y3 h* j3 d* I" {/ }8 Sthe mortgage with the line of credit and creating a 'Global borrowing
o Y' j6 {' l" Nlimit' that will be re-advanceable. More and more consumers will be
3 ^; b( \9 k3 o/ d1 n1 Rlooking for these kind of products for tax planning and investment
* d3 u1 t9 y& M* D- z8 [5 tstrategies. 3 S" x4 k! R6 Q ]
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And speaking about investors, banks are starting to recognize the
+ M) }3 L7 L- |9 |% A- _; n- E2 r9 lgrowing number of home owners who are buying multiple revenue properties for
. k2 y( h4 n+ Pinvestments and we now have an 'Interest-Only' mortgage available for 5 N: K$ |5 \6 L6 I( |
self-employed borrowers on a 'Stated-income' basis for revenue
4 j+ s7 C& @! k* |/ L5 d, w# @properties. This marks the first time a self-employed individual can use
; \" `3 [8 u0 G0 [2 g4 }'stated-income' to qualify for a revenue property. * S! O' C( ~! m. F
) k8 Y% l0 p1 @/ [5 FThe interest rates will be higher for this product, but it is + }' c" K. L7 F. Z6 p' Y: ]
reflective of a growing trend towards American-Style lending practices. A prime 5 [2 q6 h1 f. u# F
example of an American trend influencing our banks will be longer
" J4 x4 D. |) F& L6 oamortization periods. Canada has held tight on 25 year amortizations for
3 | z3 \. A8 Jyears, up until now that is. A few lenders have announced 30 year
# G0 }4 D' d9 j% S5 @) [3 ]& jamortizations on CMHC insured mortgages at fully discounted interest rates.
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2 \/ [2 E9 m! F- h( MFinally, in an effort to further take your attention away from the long - V3 ~8 [( @! H
term rates, look for lenders to get more creative with the discounts
1 q' W& H$ |+ w% u/ r( pthey offer on Variable Rate Mortgages. I fully expect to see stronger ; V, c: |! c% t* J$ g
competition in the form of creative 'front-end loaded' discounts and ! g# Y- C- V/ `' q2 W3 ]9 O# s: F
teaser rates that make it more confusing to compare an apple to an apple
9 x4 p6 t* Y2 j( n) c4 H Cwhen shopping for the best mortgage option. It's going to be another busy
# I( ?( s6 ? L8 S3 A+ ~4 M, @spring market and consumers are going to be faced with more choices
- ^+ ^- y8 n' P! [7 }: n$ Z& [than ever before. The key, like always, is to get expert advice and
9 L9 G: a/ X4 Y, g) r. j2 Qremember you have options. |
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发表于 2006-5-7 20:26
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