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原帖由 dgg 于 2006-5-8 10:12 发表
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l6 S* u& c# @& s q8 y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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4 L: b0 O2 R( J' b4 ~% SSpring Is In The Air! In some markets in Canada it may feel like % n4 z( T+ e: ]6 x9 V$ ^
Spring is starting to arrive. Each and every year in late February and
9 r" S V' Z1 ?% U% c' e3 I, Xearly March, the banks start rolling out their Spring market campaign of ( N( x1 o! @# }4 c8 x
new products in an effort to attract new consumers. And, if early signs 5 N. e2 Z2 v1 u( u& _* ]5 f
are any indication, we're poised for yet another busy spring. The banks 7 U5 r! o, x% M3 c
view this as the best time of year to get your attention by coming up
4 ~8 z- A: S% G. f7 t' d' _with new products or simply putting twists on old ideas.
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+ ~( w# ]4 u) y Q+ [" S8 qOver the next few weeks we'll see a variety of new products and this + B1 d" h0 V( U6 e. U
year the early theme I'm seeing is banks getting more creative in an
1 B$ u$ F$ p: Reffort to help you borrow more money. This is partly in response to growing / x) o3 P' N1 N9 H
concerns about the potential of rising rates.
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% R2 s; [ Z" Z ^. {In an effort to take the focus away from rates, look for two lenders to 5 d5 Z- U# j. n( w4 z
come out with 'True Equity' programs that will allow home buyers the " d2 [ ?6 d: x7 M- r
ability to borrow up to 75% of the equity in their homes without having
4 ~. A/ e# b0 @) vto qualify based on their incomes. These programs were previously only
& k: n" v! s- [ ~2 F8 @) aavailable to self-employed borrowers. Income earners had to either put
) g* I# d3 ?" V- k% Z; [3 |more money down or pay higher rates. This will now be a mortgage based 1 N) }! ?* G2 j( A5 l* c
on the equity and the rates will be fully discounted.& A3 c( R/ I7 p' F7 \( ]$ ^; n
Another product to keep an eye on is more lenders who will be combining , i- T( Z' w+ F5 y
the mortgage with the line of credit and creating a 'Global borrowing 7 D- J/ L( p5 b4 r4 U( t- _
limit' that will be re-advanceable. More and more consumers will be
! d! l& p& U" E+ z+ Elooking for these kind of products for tax planning and investment ( e) x4 d" J+ n) C; A
strategies. 4 ]. }9 i+ r$ b
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And speaking about investors, banks are starting to recognize the 4 _. ^$ Y0 d& w& T2 j0 ?0 P9 v
growing number of home owners who are buying multiple revenue properties for
! o% |$ T' |' C- i6 y& X x7 y( dinvestments and we now have an 'Interest-Only' mortgage available for , t: l% _2 C4 w" N
self-employed borrowers on a 'Stated-income' basis for revenue v5 b C: @& e) F% R. E7 \: h7 n
properties. This marks the first time a self-employed individual can use % O, i) M. D, s: g7 R3 F+ o
'stated-income' to qualify for a revenue property.
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1 }5 n8 i8 U- L# a7 u) R% B& Z0 B/ oThe interest rates will be higher for this product, but it is
. }) K+ e w& w; V! \reflective of a growing trend towards American-Style lending practices. A prime ' d" W r0 v8 r' S6 d/ F* x
example of an American trend influencing our banks will be longer . t9 G6 c x& n
amortization periods. Canada has held tight on 25 year amortizations for 0 B- J. D4 b3 Q
years, up until now that is. A few lenders have announced 30 year , w5 H1 ]2 n$ K
amortizations on CMHC insured mortgages at fully discounted interest rates.+ m3 r+ z0 Y3 U7 v7 _( U
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Finally, in an effort to further take your attention away from the long
}/ M& S) C% u# ^! A x9 ^term rates, look for lenders to get more creative with the discounts
8 Q: m9 w& G8 h$ y: G0 ]they offer on Variable Rate Mortgages. I fully expect to see stronger / [6 L, h/ K0 W8 [/ ?- d! G. G( W
competition in the form of creative 'front-end loaded' discounts and 2 o7 J& u) s) h6 P% _/ }3 q. M& g
teaser rates that make it more confusing to compare an apple to an apple
$ E4 Q$ G+ ?% W0 P" D2 Xwhen shopping for the best mortgage option. It's going to be another busy q$ }' X& h0 T% G6 b, [9 Y
spring market and consumers are going to be faced with more choices * m- i) I) i$ H
than ever before. The key, like always, is to get expert advice and 6 h4 L% w7 i: H/ S1 P
remember you have options. |
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