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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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! g1 p( F- B# S4 Z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。
# V% H; n# n. V2 HThe following article is written by Peter Kinch.8 }/ M% a# s7 L& t0 r
9 R" N5 l9 x! h, K9 U( c, YSpring Is In The Air! In some markets in Canada it may feel like 9 D; k+ J( _8 C9 O( Z" B
Spring is starting to arrive. Each and every year in late February and
% m6 s6 D. k# H3 X' s! [7 Mearly March, the banks start rolling out their Spring market campaign of & E. d3 v* _6 ~8 k
new products in an effort to attract new consumers. And, if early signs ' l" C; V. w G+ [$ i$ F9 u
are any indication, we're poised for yet another busy spring. The banks
6 m/ x+ }: k$ J) ~' ?+ Oview this as the best time of year to get your attention by coming up ; \% p1 v: V2 j0 P/ q
with new products or simply putting twists on old ideas. ; p* |8 M) } N D. ^+ ^' x( |
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Over the next few weeks we'll see a variety of new products and this % `/ J4 \- O& i+ f: Q1 C
year the early theme I'm seeing is banks getting more creative in an / A2 q$ V+ y2 s; b7 J1 C# ^: \2 v. @
effort to help you borrow more money. This is partly in response to growing 8 b1 z% k$ B3 A7 ^* _! O" W
concerns about the potential of rising rates.
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c/ }; N$ y7 R1 y2 J lIn an effort to take the focus away from rates, look for two lenders to 0 u/ G/ E( Q5 ~8 \) u7 E
come out with 'True Equity' programs that will allow home buyers the
& [1 V. _ H1 J4 Wability to borrow up to 75% of the equity in their homes without having
+ Z6 p4 P! ^4 y9 |7 B6 Bto qualify based on their incomes. These programs were previously only
6 I/ Z* S+ I; f1 R" C) T' ~available to self-employed borrowers. Income earners had to either put
6 z" V& G$ V2 u5 Y: a7 C; Ymore money down or pay higher rates. This will now be a mortgage based
% s4 Y# n9 ~9 C7 S( H non the equity and the rates will be fully discounted.
/ p" y+ F, j: Y+ y9 hAnother product to keep an eye on is more lenders who will be combining
6 _# D# F( X! j# Mthe mortgage with the line of credit and creating a 'Global borrowing - C3 y9 A9 @, W( M% D* ?* j' A
limit' that will be re-advanceable. More and more consumers will be
8 M3 o5 W6 D7 ~3 ]* z6 Rlooking for these kind of products for tax planning and investment * A1 B1 I0 z2 w+ Y w
strategies. - C' k8 f& A4 r1 M3 M
. N3 L' O$ i5 r; E/ IAnd speaking about investors, banks are starting to recognize the
- n" G! a$ b' n* T' P2 P! c9 Ygrowing number of home owners who are buying multiple revenue properties for # c4 `" O# e# i
investments and we now have an 'Interest-Only' mortgage available for ( ~- P3 N% J+ F: |. v
self-employed borrowers on a 'Stated-income' basis for revenue
* H, T8 K+ x& _& K; mproperties. This marks the first time a self-employed individual can use
4 @0 P) d- K* E% h( ^' F'stated-income' to qualify for a revenue property. ' N$ G( j8 H# C$ `% v1 f
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The interest rates will be higher for this product, but it is
- a; o5 f" g) \4 `8 ?5 _* o$ freflective of a growing trend towards American-Style lending practices. A prime
) w& ^: v0 G m1 Q8 L- _. k( vexample of an American trend influencing our banks will be longer ) [) ~0 a- a4 l- Y; B2 ~! Q! V* ?
amortization periods. Canada has held tight on 25 year amortizations for
4 _: c! L5 e9 y/ F0 hyears, up until now that is. A few lenders have announced 30 year ( \- Q j. ~/ ]: \# Z! M- O6 @: p
amortizations on CMHC insured mortgages at fully discounted interest rates.
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( a7 I, \: H0 B8 c: xFinally, in an effort to further take your attention away from the long ' p9 u- Z" g3 }7 C4 }9 J
term rates, look for lenders to get more creative with the discounts 9 N- e7 M/ P8 ^2 ^
they offer on Variable Rate Mortgages. I fully expect to see stronger
& R# N9 T% ^. U6 N: V+ Lcompetition in the form of creative 'front-end loaded' discounts and
% t. L; R5 a1 W5 |2 B. z! nteaser rates that make it more confusing to compare an apple to an apple + w. w. e5 K: ^ V9 n
when shopping for the best mortgage option. It's going to be another busy
& u" q I# F- H" {. v& S, uspring market and consumers are going to be faced with more choices
( _+ @9 f3 s G" o) `than ever before. The key, like always, is to get expert advice and
! _ H. m% k7 C+ l7 C4 i; Oremember you have options. |
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