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原帖由 dgg 于 2006-5-8 10:12 发表
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& t" W. v; P! c: Q9 c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。
$ J+ C$ b. z- hThe 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 1 n8 |9 V4 l5 `
Spring is starting to arrive. Each and every year in late February and + o+ i/ r0 y% d# Y( |3 W6 b, S
early March, the banks start rolling out their Spring market campaign of
) n) W" E1 T g5 |. K% e' cnew products in an effort to attract new consumers. And, if early signs
& Z3 u) w* c+ D2 ]) Pare any indication, we're poised for yet another busy spring. The banks / o6 ~# w8 q R7 m- @+ N
view this as the best time of year to get your attention by coming up 5 F8 L1 s( c) j: X$ e
with new products or simply putting twists on old ideas. , A' _) B& x1 ^* _
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Over the next few weeks we'll see a variety of new products and this & r0 I. S5 z c. F0 X; d( O
year the early theme I'm seeing is banks getting more creative in an 5 [) C' _* a: ?/ `, F3 N
effort to help you borrow more money. This is partly in response to growing 2 X: W7 U' o" e. X: B# ]2 ~9 |- k
concerns about the potential of rising rates.
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$ \1 Z7 E% ^& y- W9 l/ _In an effort to take the focus away from rates, look for two lenders to
3 c0 M0 p% g- X! N2 f. s7 e3 b2 pcome out with 'True Equity' programs that will allow home buyers the f! b' u9 k) M* ^
ability to borrow up to 75% of the equity in their homes without having 7 o8 u9 }# f/ z. l0 r
to qualify based on their incomes. These programs were previously only 1 r% D3 q* f* F* |7 T) e" v$ Q
available to self-employed borrowers. Income earners had to either put 5 f2 w& Y6 j4 z0 f+ U+ t: w
more money down or pay higher rates. This will now be a mortgage based
$ |( A* s1 y* _( M+ M: R+ Fon the equity and the rates will be fully discounted.: p: a$ P1 ~9 S
Another product to keep an eye on is more lenders who will be combining 1 p, P7 ~+ E( b9 l
the mortgage with the line of credit and creating a 'Global borrowing
4 ^' j- f+ Y; o; @/ [5 elimit' that will be re-advanceable. More and more consumers will be
% F2 F& u& I9 h3 S7 p$ dlooking for these kind of products for tax planning and investment 8 m3 I; A3 w! o! v! M. E9 F2 S" t0 s
strategies.
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And speaking about investors, banks are starting to recognize the
8 ] |3 O2 ?# t5 Vgrowing number of home owners who are buying multiple revenue properties for : Z d# {# ~; n, p+ f
investments and we now have an 'Interest-Only' mortgage available for / Q! `6 ]3 O0 O2 t
self-employed borrowers on a 'Stated-income' basis for revenue ) }. m' i) ~" U) J: C" u! \. G
properties. This marks the first time a self-employed individual can use
2 O F. W! Z% N0 U7 y# n S'stated-income' to qualify for a revenue property. 7 O) _8 D3 l. i: r% l& M8 p
: M+ P; }: t+ |% V' y9 P l0 NThe interest rates will be higher for this product, but it is % t# G' D! A& K# M5 b' }! r
reflective of a growing trend towards American-Style lending practices. A prime / X7 G' q' `9 M: C1 c
example of an American trend influencing our banks will be longer # ? r7 {" `8 v+ F
amortization periods. Canada has held tight on 25 year amortizations for
S8 K. M ~/ @. C, r) @years, up until now that is. A few lenders have announced 30 year
& f: _! n: ?* C+ ~amortizations on CMHC insured mortgages at fully discounted interest rates.$ i. j" a# X$ p: F4 _
1 Q3 d: N0 ]! p, uFinally, in an effort to further take your attention away from the long
9 b& u* T1 |' x, h; J. P% lterm rates, look for lenders to get more creative with the discounts $ i o; ~+ L. l4 l
they offer on Variable Rate Mortgages. I fully expect to see stronger
& a { } l0 l- _1 i tcompetition in the form of creative 'front-end loaded' discounts and 6 {' D0 N/ N: L v' C
teaser rates that make it more confusing to compare an apple to an apple
) ]& [ S& t4 u& ]- j f- Ewhen shopping for the best mortgage option. It's going to be another busy
1 g# o% @0 ^4 e: ?4 U/ xspring market and consumers are going to be faced with more choices
: @ A/ j/ x2 I+ [/ X! u/ p8 qthan ever before. The key, like always, is to get expert advice and 0 z$ j! |" Z' @; E. @1 T9 I" p
remember you have options. |
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发表于 2006-5-7 20:26
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