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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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9 t/ B+ @& m! J2 G4 L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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( `" w0 O( C# v, p! I G% d9 aThe following article is written by Peter Kinch.2 s* \6 B5 ^6 C! v
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Spring Is In The Air! In some markets in Canada it may feel like * G( w: p( G8 g) K1 \
Spring is starting to arrive. Each and every year in late February and
2 u6 a7 ?. ^9 P1 o% Iearly March, the banks start rolling out their Spring market campaign of
! \6 L* ]; ]+ k4 Znew products in an effort to attract new consumers. And, if early signs
( g% K4 F% v. Bare any indication, we're poised for yet another busy spring. The banks m' z4 l9 | Q9 s1 B' `* O) f
view this as the best time of year to get your attention by coming up 4 k1 H3 G2 ^9 g Z8 {. d; L
with new products or simply putting twists on old ideas. ( Q- r) S7 v& c" G
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Over the next few weeks we'll see a variety of new products and this / `" m+ R5 o' f, X9 s6 |
year the early theme I'm seeing is banks getting more creative in an + c3 |- ~/ X4 Y- U( i$ s. e
effort to help you borrow more money. This is partly in response to growing 5 |3 J7 f: K# r" W+ j9 ~5 I
concerns 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
4 [" d' v& c6 h) \: c c6 hcome out with 'True Equity' programs that will allow home buyers the
% r) M7 C" s) P3 E9 ~( m. D. O0 rability to borrow up to 75% of the equity in their homes without having
% c u. D( J) C; ?7 o6 A) yto qualify based on their incomes. These programs were previously only
4 M s' g4 w- J2 m# lavailable to self-employed borrowers. Income earners had to either put
) `4 t; I' o, m! Q9 ymore money down or pay higher rates. This will now be a mortgage based
* d$ m* A" Z! e5 Aon the equity and the rates will be fully discounted.
0 v- r, Y' h2 @4 c; T& y6 Z' }Another product to keep an eye on is more lenders who will be combining " d4 v- T& n# a
the mortgage with the line of credit and creating a 'Global borrowing
) k5 N* ^) F6 e0 f$ d! }limit' that will be re-advanceable. More and more consumers will be / _/ K% \: J* t% {4 [3 U, p0 D
looking for these kind of products for tax planning and investment 6 @& \* P* E* M# r6 B) {
strategies.
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: J4 s2 N0 U4 v4 WAnd speaking about investors, banks are starting to recognize the " x& I& u, m5 m* ~' |- Q
growing number of home owners who are buying multiple revenue properties for
% B) k/ G4 z9 Ninvestments and we now have an 'Interest-Only' mortgage available for $ t M% X- T! h7 q- T
self-employed borrowers on a 'Stated-income' basis for revenue 2 {$ N8 | I1 N6 j" o2 ]; a5 m
properties. This marks the first time a self-employed individual can use ' Y7 d- Z! o8 {9 N; x
'stated-income' to qualify for a revenue property.
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5 ~, x' _3 p5 Y/ G* M+ T: hThe interest rates will be higher for this product, but it is % v) S+ n8 f/ ^1 V2 H
reflective of a growing trend towards American-Style lending practices. A prime # a. O1 Q& i2 d( f0 A3 @
example of an American trend influencing our banks will be longer
7 V: H2 s3 c( W/ vamortization periods. Canada has held tight on 25 year amortizations for
0 S* l3 Q6 s t4 Dyears, up until now that is. A few lenders have announced 30 year
" G% m/ l. P; I4 \4 I4 N+ [amortizations on CMHC insured mortgages at fully discounted interest rates., P" z, i9 ]0 M) z' t% e' x' ?
2 l3 r' k1 O# n8 q) p6 nFinally, in an effort to further take your attention away from the long * U6 R: r& \3 B. n# `4 s4 l6 `$ i
term rates, look for lenders to get more creative with the discounts ; S$ d7 U# h( x: A# s# R
they offer on Variable Rate Mortgages. I fully expect to see stronger
, t H2 \) g+ o W6 X% V9 j( Mcompetition in the form of creative 'front-end loaded' discounts and
$ a2 [0 q3 o4 d3 |. n& _/ v. {teaser rates that make it more confusing to compare an apple to an apple
% J+ {" j9 X. V9 {) \& qwhen shopping for the best mortgage option. It's going to be another busy
# O5 G- {) @. Fspring market and consumers are going to be faced with more choices & b% V1 [4 p0 C% S2 d( F) D
than ever before. The key, like always, is to get expert advice and
. ]0 q# ^6 ^0 o2 K, w1 A' L1 qremember you have options. |
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发表于 2006-5-7 20:26
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