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原帖由 dgg 于 2006-5-8 10:12 发表
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3 z* w8 e# T; m2 }' w谢谢，请继续。
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. k3 x+ r1 t; W: D, D: h, {" 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。
: u: b9 A% h ?. W* t4 b* B: kThe following article is written by Peter Kinch., y! [5 Z& R# ~, ]2 `- _ h
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Spring Is In The Air! In some markets in Canada it may feel like
: w' z% ?; B( a8 f% V" ?8 BSpring is starting to arrive. Each and every year in late February and
2 a2 ^- u7 |6 y% Q }( qearly March, the banks start rolling out their Spring market campaign of + ]9 l$ G& l) C- B' _
new products in an effort to attract new consumers. And, if early signs . g* K7 D5 J* A
are any indication, we're poised for yet another busy spring. The banks ; ~+ I, j* G) F: M# _
view this as the best time of year to get your attention by coming up ! u7 t( H# W. K7 K5 `
with new products or simply putting twists on old ideas. 5 J; g) y7 N3 N3 C9 B( A
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Over the next few weeks we'll see a variety of new products and this ; E! w# Z' A6 P K" L; [
year the early theme I'm seeing is banks getting more creative in an ; m& a9 {3 T* S" B
effort to help you borrow more money. This is partly in response to growing $ y4 k1 O! D& c q
concerns about the potential of rising rates. 1 ?" Y, l3 [% K5 D0 i
+ X$ e* y5 } @! i: b7 aIn an effort to take the focus away from rates, look for two lenders to ' v8 @ `! w- f2 n
come out with 'True Equity' programs that will allow home buyers the 6 v) t3 v" R& N- J
ability to borrow up to 75% of the equity in their homes without having ( W9 ]! [( V5 V5 c9 x+ u
to qualify based on their incomes. These programs were previously only 1 [, i6 G6 E- E
available to self-employed borrowers. Income earners had to either put & \1 [& Z3 } @+ Y9 W; }$ U
more money down or pay higher rates. This will now be a mortgage based i. H6 s, X( a# q6 a `5 y
on the equity and the rates will be fully discounted.
1 X4 F* n2 U2 r8 }* }8 B" S) }8 EAnother product to keep an eye on is more lenders who will be combining
2 |5 W/ q: J- U# O1 |9 D/ R* `the mortgage with the line of credit and creating a 'Global borrowing
4 e" Y! M) Q3 q1 d8 `5 x' E! g1 ^limit' that will be re-advanceable. More and more consumers will be 7 i; |/ R# V# w/ D- p+ {
looking for these kind of products for tax planning and investment / z& A: w* [* R3 M
strategies.
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And speaking about investors, banks are starting to recognize the J& q8 _6 E/ P0 W
growing number of home owners who are buying multiple revenue properties for
' f5 j- S8 O1 j, M2 E$ P. Einvestments and we now have an 'Interest-Only' mortgage available for 3 F! }7 Y w1 |& D3 }2 Q
self-employed borrowers on a 'Stated-income' basis for revenue 4 j* w5 Y/ l4 h, P4 A7 l4 ?
properties. This marks the first time a self-employed individual can use
: J F0 h, Q+ e'stated-income' to qualify for a revenue property.
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' {; f/ _+ X! t$ }The interest rates will be higher for this product, but it is
9 Q( ?" h, t- v* Q4 U! p# W, _% treflective of a growing trend towards American-Style lending practices. A prime - d9 y' ?% G9 H
example of an American trend influencing our banks will be longer 5 ?! W) D3 R0 H- W8 g; \) r+ o
amortization periods. Canada has held tight on 25 year amortizations for
, [- Z6 a2 S1 q, A* yyears, up until now that is. A few lenders have announced 30 year
2 f% u4 Z. e- [, Aamortizations on CMHC insured mortgages at fully discounted interest rates.5 x+ G% n) `" \0 L
4 O u# g7 m5 c) Q5 tFinally, in an effort to further take your attention away from the long
/ q- ?: v6 D2 f$ \* }term rates, look for lenders to get more creative with the discounts
0 Q! e3 i" w$ _: @5 Fthey offer on Variable Rate Mortgages. I fully expect to see stronger ; E1 {2 \" f% R- w4 P- e G, S% ]
competition in the form of creative 'front-end loaded' discounts and 1 f9 o$ k; P# q7 m- N
teaser rates that make it more confusing to compare an apple to an apple . d: {, w4 S3 G# d" G, I
when shopping for the best mortgage option. It's going to be another busy - J( Y/ Y4 n8 r: W1 I6 p
spring market and consumers are going to be faced with more choices
3 K) ~- p/ |3 lthan ever before. The key, like always, is to get expert advice and - o: G6 h3 N" B9 M0 r6 R7 `/ q
remember you have options. |
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发表于 2006-5-7 20:26
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