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原帖由 dgg 于 2006-5-8 10:12 发表3 Z, k8 j3 i7 `9 i
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谢谢，请继续。: u. C* N/ k z
6 N) F' G( q5 r. s) |3 n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
7 g8 r' d( R9 F8 C5 P6 r1 lSpring is starting to arrive. Each and every year in late February and
7 m- ~/ T" w" a: K+ }; n& l. Searly March, the banks start rolling out their Spring market campaign of
* B* p l& D% knew products in an effort to attract new consumers. And, if early signs
# x0 ~) q5 m$ V: ]. Jare any indication, we're poised for yet another busy spring. The banks
( w! @* V* K+ D: q$ D, U7 k2 D# wview this as the best time of year to get your attention by coming up
o' a' X) i2 q$ |7 A! |7 Wwith new products or simply putting twists on old ideas. 9 Y/ T* F& W2 M
9 s, k3 Y, Y; k4 ~+ fOver the next few weeks we'll see a variety of new products and this
8 B( ~2 `* r, n! n7 ^/ vyear the early theme I'm seeing is banks getting more creative in an
* {+ ^7 Z+ r, }7 `- y. j; ~effort to help you borrow more money. This is partly in response to growing 8 X! @* u4 r; Q3 i
concerns about the potential of rising rates. w+ v* u2 R& i+ p3 t r. ]
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In an effort to take the focus away from rates, look for two lenders to L" x8 @, p( V' K
come out with 'True Equity' programs that will allow home buyers the % L ~4 r1 y9 E* H m l
ability to borrow up to 75% of the equity in their homes without having
) h! L( p* v5 u. ito qualify based on their incomes. These programs were previously only
1 K1 L7 S7 X5 P) s8 ?" m% Q* |available to self-employed borrowers. Income earners had to either put
5 K$ D! W* _) dmore money down or pay higher rates. This will now be a mortgage based & p& I9 \) d7 X
on the equity and the rates will be fully discounted.
. H5 x8 o( ?) I4 m e* L& wAnother product to keep an eye on is more lenders who will be combining
* g% i% D O0 D* D1 k2 c/ p) gthe mortgage with the line of credit and creating a 'Global borrowing ' R/ q) [/ Y" g. O0 f
limit' that will be re-advanceable. More and more consumers will be
: Z6 U/ A7 P! O4 o! W7 Slooking for these kind of products for tax planning and investment
) h) [# u' |! Lstrategies.
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! t' Q) c: y% q0 @! R& Q$ a8 z" qAnd speaking about investors, banks are starting to recognize the
, ]* y/ M$ c( _growing number of home owners who are buying multiple revenue properties for 3 ]0 Y; I5 A. {( K% @" j* Y; t; _5 F; s! M
investments and we now have an 'Interest-Only' mortgage available for
. S1 c7 L, i2 n% C; m$ Sself-employed borrowers on a 'Stated-income' basis for revenue
; K6 F) o( g; vproperties. This marks the first time a self-employed individual can use 0 T, N) T7 A& y5 ]9 y. f) C
'stated-income' to qualify for a revenue property.
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9 N7 m N+ t7 P0 Z' s0 KThe interest rates will be higher for this product, but it is ' }. e0 c! A" t0 l- j( V
reflective of a growing trend towards American-Style lending practices. A prime
j% r4 ]& F) g( V6 ~: Oexample of an American trend influencing our banks will be longer
) P b& Y+ T3 }; ]/ N, z2 G/ Kamortization periods. Canada has held tight on 25 year amortizations for
- j6 \! {, ~! u4 \years, up until now that is. A few lenders have announced 30 year 9 Y/ B; d, j+ b
amortizations on CMHC insured mortgages at fully discounted interest rates. r' o, Y% E' ~
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Finally, in an effort to further take your attention away from the long 8 X, v8 b; i/ q. A1 L' r7 S7 l
term rates, look for lenders to get more creative with the discounts 4 z: H! j# H5 g; Y: {) C
they offer on Variable Rate Mortgages. I fully expect to see stronger
% M6 O( l% A* c0 U& R# f. W1 `competition in the form of creative 'front-end loaded' discounts and
; v' x4 T5 s1 r/ N$ Iteaser rates that make it more confusing to compare an apple to an apple 8 P& P. i% H% }# G* v
when shopping for the best mortgage option. It's going to be another busy - V4 m- ~: M: E4 C" u* F9 t7 y
spring market and consumers are going to be faced with more choices
# a, b( b0 D3 N, m3 Ithan ever before. The key, like always, is to get expert advice and
4 x! y. B. F- H: gremember you have options. |
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