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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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# O8 t- v- ?$ P, \, ]2 d \$ {. d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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5 }. @3 Q3 B) l; w/ ^5 fThe following article is written by Peter Kinch.% {7 m0 m; L! ]: ^# v
4 X' U' b/ C7 X+ lSpring Is In The Air! In some markets in Canada it may feel like ) _9 K- r: K' v! }* V
Spring is starting to arrive. Each and every year in late February and * q) q9 g+ V/ K# `5 U" X
early March, the banks start rolling out their Spring market campaign of
" i6 f6 K; T4 P# ^5 Ynew products in an effort to attract new consumers. And, if early signs , w; h7 [" B$ w9 ^- v0 r, @0 P
are any indication, we're poised for yet another busy spring. The banks
/ i6 l D6 a7 @& n* f; ^view this as the best time of year to get your attention by coming up : R. s' g4 ?: m8 q$ C" o9 h% \2 }
with new products or simply putting twists on old ideas. 7 `0 v( E3 k/ V3 h3 Q7 e7 x
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Over the next few weeks we'll see a variety of new products and this 7 {! M3 v' K. b# _
year the early theme I'm seeing is banks getting more creative in an
6 l$ @ Z# @' r7 ^effort to help you borrow more money. This is partly in response to growing
! ~+ M- B T7 w( a5 I9 Vconcerns about the potential of rising rates. / j( e8 C* }! }% L( I/ D
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In an effort to take the focus away from rates, look for two lenders to
& A0 ]+ C {2 a# Y4 @7 H: Acome out with 'True Equity' programs that will allow home buyers the
9 b9 t/ ^- L7 [0 Rability to borrow up to 75% of the equity in their homes without having
' ] r8 o, c: F" h2 K9 h/ N) W5 c+ mto qualify based on their incomes. These programs were previously only 9 Y) l9 M- `+ H' y, D: b$ D& a
available to self-employed borrowers. Income earners had to either put
) ? i1 J+ a7 p& H/ b( k3 ]8 _2 hmore money down or pay higher rates. This will now be a mortgage based 8 Q/ A, _: V# l4 N# d
on the equity and the rates will be fully discounted.8 W Q$ l% b+ b v1 d4 h* m
Another product to keep an eye on is more lenders who will be combining ! `# R& S& @1 L
the mortgage with the line of credit and creating a 'Global borrowing
# P+ O5 h$ Q& H# j- nlimit' that will be re-advanceable. More and more consumers will be 4 k$ N4 l r) h/ a9 L
looking for these kind of products for tax planning and investment $ P8 H2 C$ J& V: |
strategies. & M/ E. b: P6 B5 K$ u! T! `
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And speaking about investors, banks are starting to recognize the . Z( s/ r N: N3 i3 e2 L1 M
growing number of home owners who are buying multiple revenue properties for
; z$ L5 o; d# V6 ^, yinvestments and we now have an 'Interest-Only' mortgage available for P3 y* K# p; E: X
self-employed borrowers on a 'Stated-income' basis for revenue
+ _. {/ N' u8 B+ i& r5 N( Nproperties. This marks the first time a self-employed individual can use 1 l5 W4 [1 u" O9 }/ F* F' n" B
'stated-income' to qualify for a revenue property.
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( n9 Y7 o7 W: F- r2 W' d( yThe interest rates will be higher for this product, but it is
# U! r' q# _; V& W+ v8 ereflective of a growing trend towards American-Style lending practices. A prime
. \+ W+ u$ b$ f1 q! J9 ?' Nexample of an American trend influencing our banks will be longer
2 c" q- ^" Z! l' P* Jamortization periods. Canada has held tight on 25 year amortizations for
: ~7 v" \. a6 Z% u. P. b3 Hyears, up until now that is. A few lenders have announced 30 year : [' i- ^8 C7 R ~! g
amortizations on CMHC insured mortgages at fully discounted interest rates.
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3 a$ H7 V$ h/ ~8 u$ C$ i" b! |Finally, in an effort to further take your attention away from the long
& a1 a# V, B- h$ a4 r' {' Vterm rates, look for lenders to get more creative with the discounts . [; f* E4 N( P9 U: |/ m
they offer on Variable Rate Mortgages. I fully expect to see stronger 0 P/ O! G& ]2 f, n: w: h
competition in the form of creative 'front-end loaded' discounts and 1 h7 }8 X4 Z' Z; w6 }1 j, x
teaser rates that make it more confusing to compare an apple to an apple
! ?) T7 }4 J$ J* G# l) f7 ^( J5 ?when shopping for the best mortgage option. It's going to be another busy
1 M' q( |8 F( N* l6 _ p% Sspring market and consumers are going to be faced with more choices
4 m2 L! T% ]' a* [than ever before. The key, like always, is to get expert advice and {3 T8 m( K. q3 Z
remember you have options. |
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