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原帖由 dgg 于 2006-5-8 10:12 发表4 ~3 J7 i& E. m3 t, F/ I+ F6 @1 q
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+ j6 j$ c @( K# \( j谢谢，请继续。
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6 f" I6 [- l/ e s9 e3 F, ~* ?我知道一些房地产起家的人是靠的滚雪球的效应，把自己现有的房子抵押加上租金收入再贷款，最后越滚越大，最后拥有几十套房子。
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; j, d3 I' {8 U9 ]0 [6 A1 j) ~The following article is written by Peter Kinch.4 m( H$ L8 {* O& S# j. Z& p7 ?
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Spring Is In The Air! In some markets in Canada it may feel like
5 l! \$ `- _# T& K- H& \0 oSpring is starting to arrive. Each and every year in late February and " @& ]- T8 H% ]$ R
early March, the banks start rolling out their Spring market campaign of
& H0 w+ \) o) P9 j/ z Pnew products in an effort to attract new consumers. And, if early signs
[3 `$ ~# R/ b# q; dare any indication, we're poised for yet another busy spring. The banks 4 {* ]) g) m5 U/ A/ M) V. G
view this as the best time of year to get your attention by coming up 7 N- k+ k4 _9 p) M
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this 7 X& [8 F% o( }
year the early theme I'm seeing is banks getting more creative in an
/ b: H Y" r6 qeffort to help you borrow more money. This is partly in response to growing
9 L! w- Y+ [$ yconcerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to " Q+ a% }) F! S6 i/ x
come out with 'True Equity' programs that will allow home buyers the
J* C' ?( m$ S6 m8 E1 oability to borrow up to 75% of the equity in their homes without having 0 D0 {& _, j5 \1 k) `
to qualify based on their incomes. These programs were previously only
' m S# l. n5 O; Pavailable to self-employed borrowers. Income earners had to either put
0 I5 M {. q" k, vmore money down or pay higher rates. This will now be a mortgage based 3 i7 h; e4 o4 `( i
on the equity and the rates will be fully discounted.
1 g8 r2 L+ I" _Another product to keep an eye on is more lenders who will be combining
, J. A; [6 r+ o) C% Z/ nthe mortgage with the line of credit and creating a 'Global borrowing 4 C: V$ }0 i1 A( ^7 Y' M7 _7 e
limit' that will be re-advanceable. More and more consumers will be
2 n% H; u' k3 k+ w. flooking for these kind of products for tax planning and investment ) e7 l5 o& [* ^" ^
strategies.
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And speaking about investors, banks are starting to recognize the c* D/ v( ?" Q u5 q2 d$ j
growing number of home owners who are buying multiple revenue properties for
$ \4 o/ V2 X% x; R. V/ b( }investments and we now have an 'Interest-Only' mortgage available for
; t& ?" F+ a' P1 c: nself-employed borrowers on a 'Stated-income' basis for revenue * N7 C6 `+ r) g. B$ B
properties. This marks the first time a self-employed individual can use
& I/ ^! q! p9 k5 t'stated-income' to qualify for a revenue property.
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g7 q" s( e# \2 B! {+ z* p0 K1 Q$ S2 FThe interest rates will be higher for this product, but it is
! v+ S1 u' E: L. Jreflective of a growing trend towards American-Style lending practices. A prime 1 X/ g+ \( h! I3 m& f: ]* t) Z% \. w
example of an American trend influencing our banks will be longer
% K b" i4 l) v* }8 f: Mamortization periods. Canada has held tight on 25 year amortizations for 5 I) Q+ d' x# Q) Z1 X4 [" H
years, up until now that is. A few lenders have announced 30 year * d3 o( m$ F3 P( w) P: v
amortizations on CMHC insured mortgages at fully discounted interest rates./ k' e3 @0 K* ~2 J5 I
6 p* u8 w" X! sFinally, in an effort to further take your attention away from the long
# y( k" G9 r+ _$ Z+ Y* ~' xterm rates, look for lenders to get more creative with the discounts
3 Z! E) e1 `$ h! R% L. A6 Othey offer on Variable Rate Mortgages. I fully expect to see stronger , h6 Z9 F5 Y' ~5 z0 A6 k6 B( n
competition in the form of creative 'front-end loaded' discounts and . J% W7 u( k6 b
teaser rates that make it more confusing to compare an apple to an apple
- W0 e% z9 J4 l2 V: D+ N$ Y' p% Owhen shopping for the best mortgage option. It's going to be another busy & h; T% f; n; q
spring market and consumers are going to be faced with more choices 7 ?/ j' X& d( b& Z6 s! u/ I
than ever before. The key, like always, is to get expert advice and 7 A# y; H/ i. b* f: Z: \. w# z
remember you have options. |
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发表于 2006-5-7 20:26
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