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原帖由 dgg 于 2006-5-8 10:12 发表
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) i" y o7 p# Z/ D. d+ p谢谢，请继续。
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% a! B* I0 T1 c8 i/ v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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/ a$ A' \4 I7 ~8 H# mThe following article is written by Peter Kinch., R7 U8 z* S" I# p
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Spring Is In The Air! In some markets in Canada it may feel like
( G. G6 ^/ K! U+ _Spring is starting to arrive. Each and every year in late February and
8 g- Y& c1 f! @$ g: L* zearly March, the banks start rolling out their Spring market campaign of / y0 C) S6 ~! w) T9 I0 S; l
new products in an effort to attract new consumers. And, if early signs
; I0 M. G$ h ware any indication, we're poised for yet another busy spring. The banks
9 J+ t% R t8 }! kview this as the best time of year to get your attention by coming up
. j& o @! j) F* W0 Owith new products or simply putting twists on old ideas. k! _; ?' g4 a0 H
) l3 @* V t3 a: s: BOver the next few weeks we'll see a variety of new products and this 6 F3 f4 g3 t9 M- G# D M6 ?
year the early theme I'm seeing is banks getting more creative in an , O) l7 W* B' Q, G) p# e
effort to help you borrow more money. This is partly in response to growing
8 X- D1 i* q y# a+ Tconcerns about the potential of rising rates.
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/ J* \- _" H! Y7 E+ W$ RIn an effort to take the focus away from rates, look for two lenders to
5 i: [& m( K# u/ Y5 Q; \ `0 K( y5 hcome out with 'True Equity' programs that will allow home buyers the " P# b1 T4 e: D+ l/ ?6 m) G% I
ability to borrow up to 75% of the equity in their homes without having 5 c& P- s) m% ~; k. ~
to qualify based on their incomes. These programs were previously only
+ y7 h' Z2 h, pavailable to self-employed borrowers. Income earners had to either put 8 i' e, y8 ]3 ]$ \7 Q. L, n
more money down or pay higher rates. This will now be a mortgage based
+ m, I" u4 v) ]" o" A0 z3 I. ~! \on the equity and the rates will be fully discounted.
/ s0 H& ?" T2 x1 e$ K$ O) LAnother product to keep an eye on is more lenders who will be combining ( l8 X0 Q" H. j: ]$ r7 ?* p; b
the mortgage with the line of credit and creating a 'Global borrowing
4 t6 t6 K- t3 jlimit' that will be re-advanceable. More and more consumers will be
. F8 @; Y0 A+ K, m% Jlooking for these kind of products for tax planning and investment
5 T* F7 M1 a0 U3 ^5 Qstrategies. " o) j- D( j" |- N5 e
2 M9 {4 s$ o, j+ ]* GAnd speaking about investors, banks are starting to recognize the 5 I( B& b( g6 Y' E$ R
growing number of home owners who are buying multiple revenue properties for : k) g8 r- z+ H" E
investments and we now have an 'Interest-Only' mortgage available for
+ L: E& i+ }) W7 w" V3 n- rself-employed borrowers on a 'Stated-income' basis for revenue 8 H4 S, G, A! f* C$ T# l
properties. This marks the first time a self-employed individual can use
$ F' K! E7 \9 z, `6 |. w'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
% Q# ?: z& T* ]% c5 K) c' C# ?' h Ereflective of a growing trend towards American-Style lending practices. A prime
" n9 ]1 p6 M. ~: u e6 y* Yexample of an American trend influencing our banks will be longer $ d- X+ N. ]& R; H; d
amortization periods. Canada has held tight on 25 year amortizations for
8 c6 b/ f) R* N& ~$ G* L0 Ayears, up until now that is. A few lenders have announced 30 year $ G: u+ T! z' ` E$ E
amortizations on CMHC insured mortgages at fully discounted interest rates.; i# G" p, O. s; K5 V1 o6 |
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Finally, in an effort to further take your attention away from the long
/ Y' H d5 ?" Y) V( gterm rates, look for lenders to get more creative with the discounts
O( | D+ k0 Q! e2 O$ Cthey offer on Variable Rate Mortgages. I fully expect to see stronger
6 u7 Y. F6 k" g" i5 Ccompetition in the form of creative 'front-end loaded' discounts and % q# H, B3 J$ g% q! I
teaser rates that make it more confusing to compare an apple to an apple 8 K% Q5 _8 m6 h( O( i: |" k
when shopping for the best mortgage option. It's going to be another busy 3 i/ A, N) H; h$ w
spring market and consumers are going to be faced with more choices 6 s9 v, f+ H' Y# x8 k1 u
than ever before. The key, like always, is to get expert advice and q9 b* f2 I) v, V2 Y" `
remember you have options. |
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发表于 2006-5-7 20:26
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