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原帖由 dgg 于 2006-5-8 10:12 发表" e" Z7 Y1 w/ f) n# Z% ?; f
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4 r* f- E) z& y1 I谢谢，请继续。 m' @3 y4 D1 J/ }% h7 H9 s
! z* b1 z9 e4 S+ D( c" p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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; \* x* b8 c8 i _- E( KThe following article is written by Peter Kinch.$ { j, X# s9 k% L8 c0 M
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Spring Is In The Air! In some markets in Canada it may feel like - I/ `% L- P+ ~% Y7 z" p# i
Spring is starting to arrive. Each and every year in late February and
5 \% M2 U; g% Y, Y% c; w2 w6 ]early March, the banks start rolling out their Spring market campaign of
' @" @; v+ J# k/ l1 k% |new products in an effort to attract new consumers. And, if early signs 5 `% W G7 ?) d; D$ |
are any indication, we're poised for yet another busy spring. The banks
4 N6 B5 ]1 m; z- e; Sview this as the best time of year to get your attention by coming up
+ K- K4 B4 v, l$ w$ r4 x7 Z! xwith new products or simply putting twists on old ideas. 8 h8 { K& N9 i* Q# m2 m
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Over the next few weeks we'll see a variety of new products and this ! S$ Y8 a( j1 N/ X
year the early theme I'm seeing is banks getting more creative in an 5 ^; R* F. C! T- }+ p# E
effort to help you borrow more money. This is partly in response to growing 2 h) M, b+ @. ^# Z, I) U, Y
concerns about the potential of rising rates. 9 z& F0 Z# [4 {* D/ f) {
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In an effort to take the focus away from rates, look for two lenders to
7 V% u: B, w- K" W" \; X% ucome out with 'True Equity' programs that will allow home buyers the
; I- y5 d+ A2 p% E. X5 Q5 @ability to borrow up to 75% of the equity in their homes without having + m5 p0 z+ v( p( T# a
to qualify based on their incomes. These programs were previously only
$ x* u! l5 ~' ^6 ` B& O- javailable to self-employed borrowers. Income earners had to either put ' ~( H) `/ D- s& @# o
more money down or pay higher rates. This will now be a mortgage based & H. x7 y F+ A$ A' u7 d7 U) P
on the equity and the rates will be fully discounted.
. {0 p8 g; r8 VAnother product to keep an eye on is more lenders who will be combining
$ s7 x" {' M* j% Mthe mortgage with the line of credit and creating a 'Global borrowing
! P! J' H5 D7 p' X$ b/ `' ^limit' that will be re-advanceable. More and more consumers will be ; d1 o" g! M1 d
looking for these kind of products for tax planning and investment ) H7 }* ?2 d, p; G5 v7 w t
strategies. 0 ]' n! D1 e) G/ b. l
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And speaking about investors, banks are starting to recognize the % i, z m: v& x* f9 K
growing number of home owners who are buying multiple revenue properties for ; E [- i% {9 Y% A8 Y/ w9 A: S; G
investments and we now have an 'Interest-Only' mortgage available for
0 T* b1 O. X! d oself-employed borrowers on a 'Stated-income' basis for revenue
% [" `3 G9 @, d7 Z3 g+ R0 J/ |properties. This marks the first time a self-employed individual can use
7 i+ B0 u9 ]: S1 d'stated-income' to qualify for a revenue property. ; `, b1 m% \1 ]& e$ ^
3 D1 w& v$ w4 \' gThe interest rates will be higher for this product, but it is
8 o! G, Q8 ~0 qreflective of a growing trend towards American-Style lending practices. A prime
; {( T9 P; b4 W) \$ Texample of an American trend influencing our banks will be longer 7 [$ [5 A% X5 s L+ F N2 T
amortization periods. Canada has held tight on 25 year amortizations for 4 G/ L* l9 L3 ^$ e! }
years, up until now that is. A few lenders have announced 30 year
- B" R$ w- z9 J! l9 |amortizations 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 7 M- e4 k5 Q9 S$ |3 q u1 K1 Z9 |
term rates, look for lenders to get more creative with the discounts 3 ~* x7 A! i" Z7 R: `/ C
they offer on Variable Rate Mortgages. I fully expect to see stronger : m! f' Q# X' |) U0 W
competition in the form of creative 'front-end loaded' discounts and
( \- h7 Z3 \ @& D: E Nteaser rates that make it more confusing to compare an apple to an apple
8 R4 ?# S0 [6 m; q6 iwhen shopping for the best mortgage option. It's going to be another busy / E) e! H! J0 q. Q0 @) c
spring market and consumers are going to be faced with more choices 9 [2 ?; S+ F `6 H: j
than ever before. The key, like always, is to get expert advice and ! x- P8 K4 F( F. J1 T
remember you have options. |
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