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原帖由 dgg 于 2006-5-8 10:12 发表; ~5 Z7 k" [5 w0 n. o; W
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# D" o$ i; i, Y" m: T谢谢，请继续。& R/ d0 O; k5 p) s; c& q0 x
0 P- ]1 p% }# w; G& i' h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.+ }: n; v5 e A2 ?5 J
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Spring Is In The Air! In some markets in Canada it may feel like
+ L2 `1 C7 x7 s7 _8 w% @: sSpring is starting to arrive. Each and every year in late February and
e+ l, [% {$ Y$ ?) Z9 P/ zearly March, the banks start rolling out their Spring market campaign of
) E! w/ _6 I( Q3 y! a) V N% m) l) Enew products in an effort to attract new consumers. And, if early signs 0 v5 Z1 K. e. [3 ?( U# ]
are any indication, we're poised for yet another busy spring. The banks
( o% w3 c5 V5 H% Fview this as the best time of year to get your attention by coming up
. X% Y7 f- b) q1 w. Wwith new products or simply putting twists on old ideas. 4 ~2 { w$ \3 ~/ B( p
g! l4 b; N5 ~0 F% S- z7 WOver the next few weeks we'll see a variety of new products and this $ ^0 u7 c: g; Y5 \
year the early theme I'm seeing is banks getting more creative in an
" M' h/ h0 I4 o5 G6 ^( O) c5 p: ueffort to help you borrow more money. This is partly in response to growing : p8 P, \" e/ S9 @! B9 q
concerns about the potential of rising rates. # w1 H3 ]* K3 F8 n9 r1 f& Q
2 V; J. \& H+ S+ F2 |; Q! p L$ r3 v) _In an effort to take the focus away from rates, look for two lenders to
5 R0 U; I" K Icome out with 'True Equity' programs that will allow home buyers the
- |8 n- U O$ c$ `8 ?ability to borrow up to 75% of the equity in their homes without having 8 y$ r# W' c e, |
to qualify based on their incomes. These programs were previously only ( I4 @: c! p" G" L
available to self-employed borrowers. Income earners had to either put + v9 c* ?& @/ B7 h
more money down or pay higher rates. This will now be a mortgage based
2 d1 X9 K+ U/ z/ a/ Uon the equity and the rates will be fully discounted.9 L0 }* k: O* ?$ \( x& |; K4 I
Another product to keep an eye on is more lenders who will be combining
, b R; R) F( ? S" mthe mortgage with the line of credit and creating a 'Global borrowing
8 Q; L( n0 b' U8 S4 |/ s# T: _* ]limit' that will be re-advanceable. More and more consumers will be
; ?' D! s+ x) Z l" wlooking for these kind of products for tax planning and investment
O' D. C2 h4 R1 g+ _7 Y* ustrategies. % F6 q. b# c2 Z; s5 j b
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And speaking about investors, banks are starting to recognize the
9 d; s6 U3 i! T6 ?) zgrowing number of home owners who are buying multiple revenue properties for
0 ]9 Z' y0 O5 ^investments and we now have an 'Interest-Only' mortgage available for 6 K' [: g' P/ K1 a- z
self-employed borrowers on a 'Stated-income' basis for revenue ( V* v' \7 J& F5 w
properties. This marks the first time a self-employed individual can use * l. Z) a) k7 Y" e/ c8 E6 {2 j: l
'stated-income' to qualify for a revenue property.
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2 e! P# W7 ~2 V4 vThe interest rates will be higher for this product, but it is ( y" x8 V+ G0 ?% }- l
reflective of a growing trend towards American-Style lending practices. A prime
* t3 w" m) @$ S0 g; s: Uexample of an American trend influencing our banks will be longer
$ U, l) _2 \' @ p! gamortization periods. Canada has held tight on 25 year amortizations for
( m. ], z2 T) Y: S. N& N3 fyears, up until now that is. A few lenders have announced 30 year
4 d# E% S _) Y; k+ }; H' z# Zamortizations on CMHC insured mortgages at fully discounted interest rates.3 |: m- {" J5 u$ }( Y3 X
* E9 B$ m s0 j. N/ c& r8 J) kFinally, in an effort to further take your attention away from the long
# H, ^( u7 m2 a" s1 }( Z2 gterm rates, look for lenders to get more creative with the discounts 3 [5 H- U# `$ @6 G; I! B
they offer on Variable Rate Mortgages. I fully expect to see stronger
# s5 Q" {1 V, m1 Rcompetition in the form of creative 'front-end loaded' discounts and + v' J4 ?) h, y* ~9 Y) p# A$ C3 S+ G
teaser rates that make it more confusing to compare an apple to an apple + {5 _! }3 y/ O7 o# G- ], |5 \
when shopping for the best mortgage option. It's going to be another busy
& \2 e3 g1 w2 e+ mspring market and consumers are going to be faced with more choices
; \) N+ [$ L- j- N) F" I- ~- Dthan ever before. The key, like always, is to get expert advice and
, A" q+ k+ Q' ]7 y9 }5 b: j/ ~remember you have options. |
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发表于 2006-5-7 20:26
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