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原帖由 dgg 于 2006-5-8 10:12 发表9 ` s% L, F8 |0 d7 T- \3 S! @
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& }; g1 q u3 k# q w* R: u谢谢，请继续。
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( {, ]+ _! I. s% ^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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% c) `% w5 B* |2 Q) V% z5 `/ r- pSpring Is In The Air! In some markets in Canada it may feel like # f. k- _: Y1 b8 {( |& }
Spring is starting to arrive. Each and every year in late February and
. R+ t, h% x5 M& l' G, k" P4 kearly March, the banks start rolling out their Spring market campaign of
- Y9 b3 S2 c0 W0 [* d% Knew products in an effort to attract new consumers. And, if early signs
1 a% t: b+ s3 n. w+ t% e. uare any indication, we're poised for yet another busy spring. The banks & ^5 @# {2 Y0 R5 M2 h
view this as the best time of year to get your attention by coming up . P+ o, y0 Q8 T- p5 g
with new products or simply putting twists on old ideas.
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* Z9 A; \2 i1 Z" _# hOver the next few weeks we'll see a variety of new products and this
3 `/ z+ z" y. q+ X5 E8 @$ x2 nyear the early theme I'm seeing is banks getting more creative in an ) A2 S7 k7 [6 p2 K5 M+ D2 r& }
effort to help you borrow more money. This is partly in response to growing
& r6 u' G! X) \- L, Pconcerns about the potential of rising rates.
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& q4 X7 o k1 `* N7 ?4 Y% R6 wIn an effort to take the focus away from rates, look for two lenders to
6 ?2 \6 D# E( b8 U# Z$ ncome out with 'True Equity' programs that will allow home buyers the
& b( r! R1 j8 m& k/ w4 xability to borrow up to 75% of the equity in their homes without having
% m! ]7 s2 a j& V' n8 s* a" Hto qualify based on their incomes. These programs were previously only
, |, S" M" Z& E# J' O3 g" eavailable to self-employed borrowers. Income earners had to either put , y0 O3 G: G# k _: A& s# F
more money down or pay higher rates. This will now be a mortgage based # J! i Z: K2 H& j7 h# w( L1 A2 c
on the equity and the rates will be fully discounted.$ K: i4 b f; n% B4 F" N
Another product to keep an eye on is more lenders who will be combining ' B) ]1 O# h. r! k; S
the mortgage with the line of credit and creating a 'Global borrowing
" j7 D5 E8 D* o1 ]7 q! E/ V- Dlimit' that will be re-advanceable. More and more consumers will be - K+ r& _* x8 ^& L% m' ~# b) w
looking for these kind of products for tax planning and investment 9 E. G3 N p: @; }
strategies. . `& a7 c5 U8 N' _$ v. o
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And speaking about investors, banks are starting to recognize the / [( I3 S( _. X, @
growing number of home owners who are buying multiple revenue properties for
7 @, v- I( L9 ]investments and we now have an 'Interest-Only' mortgage available for & `. t1 G) B1 N/ E' B* }* P4 h
self-employed borrowers on a 'Stated-income' basis for revenue
" a! e- v0 v }0 l! dproperties. This marks the first time a self-employed individual can use
; r' {" }4 t/ U3 ~& ?# t/ K1 _'stated-income' to qualify for a revenue property. 4 u. U3 d+ e( @( M8 @- @- |) T' T
- z9 A8 R, R; j/ Z# _" {The interest rates will be higher for this product, but it is
$ W( y4 T( j; ~# i9 F' l7 E. C# K, Preflective of a growing trend towards American-Style lending practices. A prime 7 Z8 S8 P0 t- Q$ L4 S% ]
example of an American trend influencing our banks will be longer c C; b5 y( S1 N5 h2 X
amortization periods. Canada has held tight on 25 year amortizations for
9 @' T$ Y2 f) g- y% l6 `years, up until now that is. A few lenders have announced 30 year " D" q+ k# Z1 q
amortizations on CMHC insured mortgages at fully discounted interest rates.3 C- U) J: h4 D4 x; g1 `) N
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Finally, in an effort to further take your attention away from the long
5 Q0 e W* a# E- R' Kterm rates, look for lenders to get more creative with the discounts
: U' \% z9 u0 _0 y& rthey offer on Variable Rate Mortgages. I fully expect to see stronger ! h/ [/ {1 j* S
competition in the form of creative 'front-end loaded' discounts and
! ^5 v8 ~. q8 Y7 B( d& Zteaser rates that make it more confusing to compare an apple to an apple
) C8 E# d0 K" A' C+ fwhen shopping for the best mortgage option. It's going to be another busy P) P/ { Y) ^6 X! Q
spring market and consumers are going to be faced with more choices 7 ^, w. y9 o$ l9 e9 }& Q) o- X ^) D
than ever before. The key, like always, is to get expert advice and
* ?- {2 @6 a* E" {remember you have options. |
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