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原帖由 dgg 于 2006-5-8 10:12 发表
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! C( l5 O7 F/ ], \2 e9 ?+ f8 f" f谢谢，请继续。8 v; B: r' L' o! }( e$ U8 e7 k+ t+ V
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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。
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3 z$ H' I0 A# C7 o4 \* M, I. eThe following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like 2 @- N) _3 Q( o7 m4 _( ` A
Spring is starting to arrive. Each and every year in late February and , @8 Z$ S, D9 E R8 T3 e* n' J" d
early March, the banks start rolling out their Spring market campaign of
0 W& }3 \# `1 U9 Y& ^4 ?new products in an effort to attract new consumers. And, if early signs ( k* R- s4 I4 T" r% E$ s c
are any indication, we're poised for yet another busy spring. The banks
% G7 \5 m, P+ ^) f: nview this as the best time of year to get your attention by coming up . c: R& X# `. q+ V
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 # @4 n4 A* G/ Z7 q$ V3 l
year the early theme I'm seeing is banks getting more creative in an
2 Q8 \. Y9 {1 c t, P+ Zeffort to help you borrow more money. This is partly in response to growing ( P% p0 B. M" y6 v3 [1 f
concerns about the potential of rising rates. 0 ?1 ^+ ?) `. y7 i/ v5 h, {* k
$ _4 ^9 ~# a, w& F! T: r& x) o0 @! p" Y nIn an effort to take the focus away from rates, look for two lenders to
$ C7 v0 ?2 ?! c+ G( X( j) C6 Qcome out with 'True Equity' programs that will allow home buyers the
% N9 G& {5 O* l8 Dability to borrow up to 75% of the equity in their homes without having
2 t! J [! y) X( }- V, w% Sto qualify based on their incomes. These programs were previously only ; Z, i K" p+ b+ S7 m; F1 o3 K) v
available to self-employed borrowers. Income earners had to either put
! u3 B* y# X. Z% @0 i! Kmore money down or pay higher rates. This will now be a mortgage based . u# R' q/ L, S" q5 l! {2 K8 ?5 e
on the equity and the rates will be fully discounted.
4 l" a ? H' n/ y0 c7 YAnother product to keep an eye on is more lenders who will be combining 1 B+ l: ]% r- g8 l3 H
the mortgage with the line of credit and creating a 'Global borrowing
) F5 f% s- x2 v. d' Qlimit' that will be re-advanceable. More and more consumers will be $ [ s9 b. m/ t! v/ ~$ c
looking for these kind of products for tax planning and investment
2 Z: E) G! j( l5 I: ]' Cstrategies.
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7 r; u! i6 g9 _! p/ A6 _And speaking about investors, banks are starting to recognize the
; @( q/ G, f7 E; Kgrowing number of home owners who are buying multiple revenue properties for
S; R; U }1 Z' ? k1 Winvestments and we now have an 'Interest-Only' mortgage available for % k9 v! j" L' w/ i, q2 l- [9 {3 \
self-employed borrowers on a 'Stated-income' basis for revenue
T% ] q, T, I1 s- K1 Pproperties. This marks the first time a self-employed individual can use
5 U" Y0 k( L( e+ l3 ^) a'stated-income' to qualify for a revenue property.
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0 p$ h7 p5 ^- m) i+ |9 GThe interest rates will be higher for this product, but it is
% Y1 Q- Z# f. b9 L1 p! Preflective of a growing trend towards American-Style lending practices. A prime 6 d3 H- `2 J" G. U9 P
example of an American trend influencing our banks will be longer . |. b | d i- e
amortization periods. Canada has held tight on 25 year amortizations for
9 y {0 T. [+ D$ w: G$ z6 ryears, up until now that is. A few lenders have announced 30 year ' p: K1 F1 A7 K4 {8 t7 l {: f
amortizations on CMHC insured mortgages at fully discounted interest rates.
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9 p: k: G8 f- _0 QFinally, in an effort to further take your attention away from the long
$ |$ a+ j; q' ^- x- Fterm rates, look for lenders to get more creative with the discounts $ e! e" g" f) @& `, H" v: [
they offer on Variable Rate Mortgages. I fully expect to see stronger
6 U+ F1 ?7 k6 d4 }competition in the form of creative 'front-end loaded' discounts and & R8 y/ A7 {9 f
teaser rates that make it more confusing to compare an apple to an apple 9 r: b' \% |# B* Q0 a& F/ w
when shopping for the best mortgage option. It's going to be another busy 2 w, M6 ], @0 S; B
spring market and consumers are going to be faced with more choices
1 |. z% ]! b8 U8 Uthan ever before. The key, like always, is to get expert advice and
/ }3 f. i: P( r3 L' R) j- Oremember you have options. |
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