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原帖由 dgg 于 2006-5-8 10:12 发表' d [! H5 u# H& \8 d0 \: e7 N
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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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The following article is written by Peter Kinch.
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, }5 A, _$ G# M* U' O% |+ @Spring Is In The Air! In some markets in Canada it may feel like % L( l% [2 L. y- o, Q; o
Spring is starting to arrive. Each and every year in late February and % m6 j* o" ^4 ~: ^/ l
early March, the banks start rolling out their Spring market campaign of ! o/ Y/ ~# D" V' B
new products in an effort to attract new consumers. And, if early signs
0 E$ ~9 ]1 ^, g" A' K; \7 M3 {are any indication, we're poised for yet another busy spring. The banks
% W, |5 [4 k3 d% Tview this as the best time of year to get your attention by coming up ; K: _3 C3 M3 q! Y* s5 Q
with new products or simply putting twists on old ideas. , i3 m/ K3 z& V, s6 E! r0 p
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Over the next few weeks we'll see a variety of new products and this 3 @. |2 M3 f/ N) c1 q
year the early theme I'm seeing is banks getting more creative in an - ?! j) ~0 Q* N6 G
effort to help you borrow more money. This is partly in response to growing
9 U ?4 P' G* a7 g( F" |concerns about the potential of rising rates.
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% U8 x5 Z" f' Z' fIn an effort to take the focus away from rates, look for two lenders to ! Z2 D2 \ t a4 }9 }
come out with 'True Equity' programs that will allow home buyers the 0 K( M) Z6 R5 S
ability to borrow up to 75% of the equity in their homes without having
& b' B3 @8 `9 l5 Vto qualify based on their incomes. These programs were previously only " A, C- J( Z# O0 f7 X2 b( B+ ?
available to self-employed borrowers. Income earners had to either put
& t, M0 h3 E6 f' s9 l4 T( |5 Vmore money down or pay higher rates. This will now be a mortgage based
2 ?# X+ u( i, J1 h9 S& xon the equity and the rates will be fully discounted.6 A. ~0 T' ~# N, m9 M
Another product to keep an eye on is more lenders who will be combining
" G7 R5 @9 C3 J* I+ Kthe mortgage with the line of credit and creating a 'Global borrowing $ N, k9 B% B' K! V. I
limit' that will be re-advanceable. More and more consumers will be 9 T. E. e" h8 A
looking for these kind of products for tax planning and investment
' g( E0 L0 A* M+ X% K# j; o3 Estrategies.
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- H+ X! h5 c, ?# q' `And speaking about investors, banks are starting to recognize the 8 t) j& r4 ^+ r! [( |5 X
growing number of home owners who are buying multiple revenue properties for
! E& g( G1 M9 T; q( ?( Zinvestments and we now have an 'Interest-Only' mortgage available for 8 K* Z% z4 A! r- L. f3 r+ T
self-employed borrowers on a 'Stated-income' basis for revenue
( V7 t5 S* k2 R4 X: A( Lproperties. This marks the first time a self-employed individual can use 7 f8 M9 ?" l- k d' } n
'stated-income' to qualify for a revenue property. 7 @) F8 |8 g/ _! I
" V0 f' _- c1 p3 }# {The interest rates will be higher for this product, but it is ; |; c9 o; b! A1 P
reflective of a growing trend towards American-Style lending practices. A prime 2 S" d3 J% [" `4 I4 N( b/ M1 J
example of an American trend influencing our banks will be longer
5 o4 w) c, A0 I( `amortization periods. Canada has held tight on 25 year amortizations for 0 }: L) m: `3 t/ S% s3 Q
years, up until now that is. A few lenders have announced 30 year S3 [* C! N2 }
amortizations on CMHC insured mortgages at fully discounted interest rates.6 c- L5 I5 D2 h; t: f* c8 Q
% ]# F# [9 a7 e+ OFinally, in an effort to further take your attention away from the long ( z/ ]/ H. K( S& {( v+ x9 N
term rates, look for lenders to get more creative with the discounts
6 K# s% `7 A* nthey offer on Variable Rate Mortgages. I fully expect to see stronger ?. j* t7 v' U! H3 v
competition in the form of creative 'front-end loaded' discounts and 6 |; S; K$ w' {! s
teaser rates that make it more confusing to compare an apple to an apple ' v2 _) J* y' a
when shopping for the best mortgage option. It's going to be another busy ( [6 W& D$ c4 o+ ?! B( A
spring market and consumers are going to be faced with more choices ! l/ F/ { F- |, @! h
than ever before. The key, like always, is to get expert advice and 7 T1 P; {3 p: H; U1 q0 [- {
remember you have options. |
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发表于 2006-5-7 20:26
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