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原帖由 dgg 于 2006-5-8 10:12 发表. k) m1 d. J* |$ x" z: x
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! e* i( Y4 r$ V0 _! I9 z; e; ^谢谢，请继续。, v) s* a5 k$ N( l
' W( u w, A: h$ V$ O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.9 f9 g/ C* p7 r5 e6 a1 x V
- x, R( v% Q4 T- nSpring Is In The Air! In some markets in Canada it may feel like 2 r9 A' U( o. Z X1 x9 v
Spring is starting to arrive. Each and every year in late February and
' u- K/ v. d. Cearly March, the banks start rolling out their Spring market campaign of
3 J: N' a' ~4 m( x1 P+ Y6 ]new products in an effort to attract new consumers. And, if early signs
0 p2 W q0 V1 lare any indication, we're poised for yet another busy spring. The banks / s5 |( m& E- u( p3 z
view this as the best time of year to get your attention by coming up ! b$ ?5 e2 i% s( p. R, m
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
$ S f0 s' [: f. }year the early theme I'm seeing is banks getting more creative in an 9 A+ n) g, J9 q7 E9 J
effort to help you borrow more money. This is partly in response to growing ) x* G$ T# T7 Z: u/ a" u) q f) o' @) |
concerns about the potential of rising rates. 3 P0 X h& e. S0 n' c: o
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In an effort to take the focus away from rates, look for two lenders to 5 Z% ]: P9 s3 ?. }$ Y. h; [: w
come out with 'True Equity' programs that will allow home buyers the
9 X7 j0 \4 ?" Q2 V7 g/ yability to borrow up to 75% of the equity in their homes without having
, ^; F5 }$ Y, F8 m1 S0 {to qualify based on their incomes. These programs were previously only ! @ \. o" O6 r) f6 b1 Q
available to self-employed borrowers. Income earners had to either put ! b* l0 d: I9 `" j1 H3 ]$ o% p* ]
more money down or pay higher rates. This will now be a mortgage based 5 p, [! v4 N! c# s
on the equity and the rates will be fully discounted./ T8 H2 \/ r3 {2 g' o! }1 y6 b
Another product to keep an eye on is more lenders who will be combining q% C2 m I ?; w5 [+ Q
the mortgage with the line of credit and creating a 'Global borrowing
! Y$ n& ~9 P1 Zlimit' that will be re-advanceable. More and more consumers will be , `* x2 j% f# a( ~% Z' B
looking for these kind of products for tax planning and investment
9 o0 M d4 X, F8 k3 k) sstrategies.
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! S& T c3 B2 |1 @: s1 v2 SAnd speaking about investors, banks are starting to recognize the
% M' e2 w% A; F! R8 bgrowing number of home owners who are buying multiple revenue properties for & o/ t/ }1 e& c0 b$ u
investments and we now have an 'Interest-Only' mortgage available for & H9 g! W7 l; K L3 d
self-employed borrowers on a 'Stated-income' basis for revenue
5 ^$ ~( Z- M6 n' _5 Cproperties. This marks the first time a self-employed individual can use
" o, U! P# }; [& B. j# T) }'stated-income' to qualify for a revenue property. * ]' W& y( ~+ u& Y2 ~
: d9 L$ {6 ?" j$ y8 z: ]$ DThe interest rates will be higher for this product, but it is 9 C5 D. l; S( q8 O% L
reflective of a growing trend towards American-Style lending practices. A prime 5 j# Q/ u) ]8 b: E: D0 M
example of an American trend influencing our banks will be longer
! N# y( T) ?+ famortization periods. Canada has held tight on 25 year amortizations for 9 h0 j: i7 t# t$ L! q
years, up until now that is. A few lenders have announced 30 year
, F+ `' o5 X( \1 ^3 g2 }amortizations on CMHC insured mortgages at fully discounted interest rates./ x, o6 V: O; g- ^$ |1 b& s7 i
$ e3 ^& H7 g3 N! s3 X$ i! _+ nFinally, in an effort to further take your attention away from the long 4 h1 V; Q4 Q' L( k( u# l
term rates, look for lenders to get more creative with the discounts
6 T0 @& g8 U1 Uthey offer on Variable Rate Mortgages. I fully expect to see stronger ! o; f4 q! r3 c' ]1 E5 u$ k7 h
competition in the form of creative 'front-end loaded' discounts and 4 d" Y5 }( z! d- T% q! V
teaser rates that make it more confusing to compare an apple to an apple
. }: w6 s2 O T. d& \9 ~$ ~when shopping for the best mortgage option. It's going to be another busy
$ o9 w# k: j/ Tspring market and consumers are going to be faced with more choices
9 P3 I' ]1 Z/ T5 f9 v$ a ~than ever before. The key, like always, is to get expert advice and
h1 P2 a# B }remember you have options. |
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发表于 2006-5-7 20:26
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