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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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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。
0 X, G. F0 N* w2 ^7 VThe following article is written by Peter Kinch.5 w/ l# X; j6 J1 j
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Spring Is In The Air! In some markets in Canada it may feel like 5 r+ ~8 _8 K) n7 L }+ H
Spring is starting to arrive. Each and every year in late February and
+ p" `2 s! j; V/ d0 O. q7 l! |early March, the banks start rolling out their Spring market campaign of
8 o* q( ^, J3 b% ]& Rnew products in an effort to attract new consumers. And, if early signs ) f" Z+ g }/ d5 Q" L+ o. d" O0 V
are any indication, we're poised for yet another busy spring. The banks ( V$ k) |/ a$ ?: K
view this as the best time of year to get your attention by coming up # R# p; z0 p9 f( k1 ]
with new products or simply putting twists on old ideas. & @2 E: Q! Q, L4 N3 n& n
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Over the next few weeks we'll see a variety of new products and this
1 ]- z# u$ Q6 F1 l! R; Uyear the early theme I'm seeing is banks getting more creative in an d( N4 ]7 s. `; O
effort to help you borrow more money. This is partly in response to growing
9 j0 e/ h$ F* t9 E1 h% Gconcerns about the potential of rising rates. * b0 ?1 B( M" _) P) H6 Q7 t! |
2 J- I% [" I* k& a# v+ P7 N/ N$ B d6 uIn an effort to take the focus away from rates, look for two lenders to
x% i9 Z" |/ }2 H0 [come out with 'True Equity' programs that will allow home buyers the
2 ?2 y; D3 f; L' hability to borrow up to 75% of the equity in their homes without having
# B3 R8 b& @1 b5 L0 U; wto qualify based on their incomes. These programs were previously only + b% M. V% K$ a" H. @6 z
available to self-employed borrowers. Income earners had to either put / {# ?4 C8 e+ Z- Q) N
more money down or pay higher rates. This will now be a mortgage based 9 C3 V/ T: C5 ?. S
on the equity and the rates will be fully discounted.' B( _$ x- f1 D6 c* S
Another product to keep an eye on is more lenders who will be combining
' ?. Y& }5 U& {- }5 W: a8 Othe mortgage with the line of credit and creating a 'Global borrowing ( L: G# Y# O* z* F( L
limit' that will be re-advanceable. More and more consumers will be
5 K$ p9 f: C' u6 x9 Flooking for these kind of products for tax planning and investment ( Y/ X c9 k7 G9 H
strategies.
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And speaking about investors, banks are starting to recognize the ; I: S5 j) o7 A3 f
growing number of home owners who are buying multiple revenue properties for $ n( V0 C2 A' x
investments and we now have an 'Interest-Only' mortgage available for
6 t' r' a* @& U+ g1 S. ^: qself-employed borrowers on a 'Stated-income' basis for revenue
1 V% O0 c2 ]7 s7 a! Bproperties. This marks the first time a self-employed individual can use " N" E) Q C: K" k4 o
'stated-income' to qualify for a revenue property. ' J& J* v& D" q/ L( g; }
* ~/ n6 S# z, T" C5 \/ J6 pThe interest rates will be higher for this product, but it is
! ~; X+ R1 n) Y* \reflective of a growing trend towards American-Style lending practices. A prime
; r4 D" P( U' f2 Sexample of an American trend influencing our banks will be longer 5 W3 _9 p& n: w2 e
amortization periods. Canada has held tight on 25 year amortizations for * \9 ^ x: t& I) _6 b
years, up until now that is. A few lenders have announced 30 year
' b# \: S1 Q$ }* r1 y+ R9 V5 _amortizations on CMHC insured mortgages at fully discounted interest rates.! Z$ O9 Y$ t( D7 z2 Z r$ T4 A
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Finally, in an effort to further take your attention away from the long 4 w9 N$ B* V$ e( N6 [$ ~# Q& }
term rates, look for lenders to get more creative with the discounts ; S+ A1 E6 O/ `3 \
they offer on Variable Rate Mortgages. I fully expect to see stronger
& z2 B9 L1 w7 H( t$ e+ ?competition in the form of creative 'front-end loaded' discounts and / D1 N L) D# _5 k& K/ E
teaser rates that make it more confusing to compare an apple to an apple 3 T" H6 |- e9 _8 B
when shopping for the best mortgage option. It's going to be another busy
% y" L' F& \5 R, dspring market and consumers are going to be faced with more choices 0 `/ y$ V: ]& }" b: g* {
than ever before. The key, like always, is to get expert advice and
( ?8 g- T3 Z f1 ~1 H m9 |remember you have options. |
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发表于 2006-5-7 20:26
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