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原帖由 dgg 于 2006-5-8 10:12 发表+ h' \* A4 f/ o2 W+ Q0 x
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- z9 C [* G: g4 q& [谢谢，请继续。8 a7 C% k5 K6 {
4 K% J) Y# P- O- o& q$ X$ f6 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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The following article is written by Peter Kinch.0 ]3 L1 \& m) `$ d3 p- k
. o8 \( Z8 Y8 y7 P7 rSpring Is In The Air! In some markets in Canada it may feel like , h3 I5 ^* y. z% R7 w9 A6 V
Spring is starting to arrive. Each and every year in late February and
1 m0 ^+ P& A+ d! learly March, the banks start rolling out their Spring market campaign of # ?8 n( X6 t; Y& {! G' g) c
new products in an effort to attract new consumers. And, if early signs
& y( s% F% e9 T: E% H. E9 R( @are any indication, we're poised for yet another busy spring. The banks & \+ g, [# R8 k* e' d
view this as the best time of year to get your attention by coming up
7 w$ y4 l, l1 S; \' k4 k6 J( x+ Pwith new products or simply putting twists on old ideas. - h# D# O( d- ?( r+ A" _
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Over the next few weeks we'll see a variety of new products and this
* g$ J5 C# e: B) e4 Z( i/ ]6 jyear the early theme I'm seeing is banks getting more creative in an
) X; y9 U- _% X& i, j8 Ceffort to help you borrow more money. This is partly in response to growing
M5 t+ a/ S; I* {1 U3 dconcerns about the potential of rising rates. ) S8 d( V4 ]1 n! [( H
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In an effort to take the focus away from rates, look for two lenders to , S* i6 h2 W5 F
come out with 'True Equity' programs that will allow home buyers the , N2 T- O r6 J9 A
ability to borrow up to 75% of the equity in their homes without having
; C0 k7 ?$ Z" G. Z. u1 ?to qualify based on their incomes. These programs were previously only
& A4 b' N6 b1 {3 H, c5 Davailable to self-employed borrowers. Income earners had to either put * f/ i. q- g6 S$ H3 x+ W
more money down or pay higher rates. This will now be a mortgage based
/ l0 e: Q% o& W; ]on the equity and the rates will be fully discounted.
, ^5 l6 M _, X! Z) d W6 uAnother product to keep an eye on is more lenders who will be combining
% l4 B2 s+ J. h; x: v* T! ~the mortgage with the line of credit and creating a 'Global borrowing
% U, s) H" Z" W) ^& R$ F& ?% ulimit' that will be re-advanceable. More and more consumers will be 8 v ?2 ?- b1 {$ ~
looking for these kind of products for tax planning and investment
& V& l0 L' O8 H- D% P. z0 Q; ]strategies. * C3 f' d* M+ X5 Z
" {) o6 p6 G& UAnd speaking about investors, banks are starting to recognize the
7 v, P* O# z7 v' L8 t% _* @growing number of home owners who are buying multiple revenue properties for 1 ?( {+ A# N' z3 c- B+ G0 t
investments and we now have an 'Interest-Only' mortgage available for 0 @) Z- `1 l7 S& D" }& R4 n
self-employed borrowers on a 'Stated-income' basis for revenue
w8 A, {( Q6 o1 D2 Z6 lproperties. This marks the first time a self-employed individual can use
9 R. W8 M& |) N; U" r" U'stated-income' to qualify for a revenue property. + E, O2 P7 }. s$ |. h; s
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The interest rates will be higher for this product, but it is
, M( R" O0 c, V- P1 B# n9 `$ kreflective of a growing trend towards American-Style lending practices. A prime , m! w' s* Y, A* X0 B
example of an American trend influencing our banks will be longer
" W# f/ h+ g9 H6 s) w2 hamortization periods. Canada has held tight on 25 year amortizations for P1 ]0 a$ k4 H, W( u- L
years, up until now that is. A few lenders have announced 30 year
7 b* T4 |; Y5 G0 \* Vamortizations on CMHC insured mortgages at fully discounted interest rates.3 L6 Z, g) u- Y9 S& [6 g! u( h
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Finally, in an effort to further take your attention away from the long 3 i g2 m5 C4 G
term rates, look for lenders to get more creative with the discounts
5 r- {- x5 E H* `/ Athey offer on Variable Rate Mortgages. I fully expect to see stronger
5 x1 [& L( I, _4 |2 j! scompetition in the form of creative 'front-end loaded' discounts and 4 N/ K0 [: R7 ^
teaser rates that make it more confusing to compare an apple to an apple
3 V$ V$ I* g4 f( u& n7 T9 Nwhen shopping for the best mortgage option. It's going to be another busy 4 I, B- w; t7 m- s- Z$ ]
spring market and consumers are going to be faced with more choices ' l- I A' T+ {9 f! q0 E* U
than ever before. The key, like always, is to get expert advice and . Z5 E% U s. d6 P$ _. c3 L/ }
remember you have options. |
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发表于 2006-5-7 20:26
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