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原帖由 dgg 于 2006-5-8 10:12 发表
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& F% ?1 x) Z; y0 T谢谢，请继续。
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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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The following article is written by Peter Kinch.
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9 q' ?. c {" BSpring Is In The Air! In some markets in Canada it may feel like . J+ a5 U8 `7 b- e; B/ p! ?
Spring is starting to arrive. Each and every year in late February and 1 F* p# T, d$ t+ e( F) j5 w
early March, the banks start rolling out their Spring market campaign of ( |7 K. Z8 r" w- J+ B0 u
new products in an effort to attract new consumers. And, if early signs
6 `( ~! Y2 ?; N0 ~! Rare any indication, we're poised for yet another busy spring. The banks 3 X0 `5 q' u; }" H6 C! l2 E
view this as the best time of year to get your attention by coming up 5 I! j, J6 O' A$ s3 {
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
Z; B5 g# S& X, |6 Dyear the early theme I'm seeing is banks getting more creative in an : Y7 W. A+ U2 V0 S+ s2 y
effort to help you borrow more money. This is partly in response to growing }1 g* l4 Q' `8 ^" a( L
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 / o' m$ ^, ^) J. v& `
come out with 'True Equity' programs that will allow home buyers the
% f( o8 i/ K3 w9 R- Y) Oability to borrow up to 75% of the equity in their homes without having 0 n" v( \, @3 u, B1 u- T
to qualify based on their incomes. These programs were previously only
! J9 B/ J% w% ^2 f( {7 zavailable to self-employed borrowers. Income earners had to either put
6 S: q# Z9 h- Y p1 _* e$ |( K7 umore money down or pay higher rates. This will now be a mortgage based % w! {3 g+ N0 [$ @
on the equity and the rates will be fully discounted., G' n; E/ l3 ?& w9 `7 a# H4 a0 T
Another product to keep an eye on is more lenders who will be combining
2 U4 R/ d+ C9 Z4 q' ]the mortgage with the line of credit and creating a 'Global borrowing
T2 ?; @8 B6 o, l0 H" Y3 ulimit' that will be re-advanceable. More and more consumers will be
. k8 S' B3 F' q( ]looking for these kind of products for tax planning and investment
/ A- e, u8 K o) S" X* Nstrategies.
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9 }2 L9 g4 ?3 |5 t) WAnd speaking about investors, banks are starting to recognize the " A/ [6 [/ F6 Y* u% M' u8 R3 S6 x
growing number of home owners who are buying multiple revenue properties for
8 a) T) S3 e. o6 i* [% R' f; z# Vinvestments and we now have an 'Interest-Only' mortgage available for
8 x/ i7 y. T5 R4 Y; l3 C- S1 wself-employed borrowers on a 'Stated-income' basis for revenue
/ p: l5 j4 ]# `2 ]2 _ K# I# vproperties. This marks the first time a self-employed individual can use
/ a8 `" }' F6 B0 I1 b( ['stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
9 j# u* u) Y3 |1 t0 I" C# {reflective of a growing trend towards American-Style lending practices. A prime 4 w# g: T( d {2 O& B% K7 @
example of an American trend influencing our banks will be longer
# y% O8 U5 l0 m8 ~: [amortization periods. Canada has held tight on 25 year amortizations for ) {/ z. [0 z" I, R- j) @
years, up until now that is. A few lenders have announced 30 year
. k( g F2 C! m" ramortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
5 }" q- }6 K* J' c5 fterm rates, look for lenders to get more creative with the discounts 4 p1 A+ S( _2 v
they offer on Variable Rate Mortgages. I fully expect to see stronger
1 ?/ [9 G7 M* p' ~competition in the form of creative 'front-end loaded' discounts and
: |1 f; G! p( D" rteaser rates that make it more confusing to compare an apple to an apple
. p6 O) p, R: ~# y$ ^8 Ewhen shopping for the best mortgage option. It's going to be another busy " }1 C5 v$ g! T! d* M& D
spring market and consumers are going to be faced with more choices
( t; b' f3 g2 r/ t$ d5 @7 ^( j8 y! Ethan ever before. The key, like always, is to get expert advice and
# T. \6 T" @% F. F8 wremember you have options. |
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