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原帖由 dgg 于 2006-5-8 10:12 发表) V& @( z4 b* R- {+ J
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谢谢，请继续。8 S0 l9 B0 g% N4 O
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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。
" q+ k# L5 g u4 K2 ?& r8 rThe following article is written by Peter Kinch.$ e4 U* k8 ?4 b0 w4 u8 x1 s
& J/ f( g! l: @; t8 Y3 e/ X9 B) Z* YSpring Is In The Air! In some markets in Canada it may feel like # W; v7 p" j( }# f3 x( K! ~+ P% s
Spring is starting to arrive. Each and every year in late February and ( \4 H1 ]3 Y+ f2 l; y8 @8 `, h
early March, the banks start rolling out their Spring market campaign of
9 }1 q; d/ \, f) \" J5 [new products in an effort to attract new consumers. And, if early signs ! `; v" M, s# S9 O
are any indication, we're poised for yet another busy spring. The banks 3 ^, |0 ?5 p- M
view this as the best time of year to get your attention by coming up 5 y) j9 B6 c" x2 I( B9 A
with new products or simply putting twists on old ideas. + n6 t8 V9 @2 E) `, e
7 z* X; q+ O" O9 POver the next few weeks we'll see a variety of new products and this
: k3 d* R4 }" fyear the early theme I'm seeing is banks getting more creative in an
2 Y4 G, n, g0 K* o0 X* `1 a5 neffort to help you borrow more money. This is partly in response to growing # |% l+ U" m' L6 h
concerns about the potential of rising rates. 7 C: T- }! V+ f. o
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In an effort to take the focus away from rates, look for two lenders to # J1 e# t3 y. p) {3 z7 {( g
come out with 'True Equity' programs that will allow home buyers the
3 t( S$ x, w3 v1 rability to borrow up to 75% of the equity in their homes without having
& w. O' X" ?: Cto qualify based on their incomes. These programs were previously only 0 ~3 [* G) k `# X
available to self-employed borrowers. Income earners had to either put
* k8 K& Q/ b! a# W$ Vmore money down or pay higher rates. This will now be a mortgage based
6 W M$ N+ v1 n/ Zon the equity and the rates will be fully discounted.
5 l* @) V$ {. O+ d/ U- j: yAnother product to keep an eye on is more lenders who will be combining
/ Z4 X0 y. g: r- Q: ethe mortgage with the line of credit and creating a 'Global borrowing - L* R' B5 y" r! y( y! s6 Q7 a$ M8 a
limit' that will be re-advanceable. More and more consumers will be
% z1 f" T+ c) O, d2 x. K, alooking for these kind of products for tax planning and investment
6 M. U5 y7 C6 @ V8 p. n" x/ l' s3 r! ~strategies.
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" T4 _: a9 Y6 ~* v7 ? G* g$ dAnd speaking about investors, banks are starting to recognize the * s$ x* _+ X) w3 \2 L
growing number of home owners who are buying multiple revenue properties for
. Q! ]4 N; M$ J- O' p Iinvestments and we now have an 'Interest-Only' mortgage available for
6 D4 l" }; S/ o% c4 P4 p3 }" I1 mself-employed borrowers on a 'Stated-income' basis for revenue
5 M. S# U, ^5 c7 h. f. H* q+ Qproperties. This marks the first time a self-employed individual can use % `! Z+ R/ y3 M) `: n1 V3 L) }
'stated-income' to qualify for a revenue property.
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6 K7 ]7 Y9 H* g, O4 f6 @: BThe interest rates will be higher for this product, but it is . p0 a1 J) j* `& H& Y
reflective of a growing trend towards American-Style lending practices. A prime
3 T3 r, e2 l! V3 a8 I) wexample of an American trend influencing our banks will be longer & ~, ^- b: q" M& @4 J% O- j/ w5 W
amortization periods. Canada has held tight on 25 year amortizations for ' s5 {& u# Y: [ [
years, up until now that is. A few lenders have announced 30 year 2 h# N2 g: ~2 `, ]( A
amortizations on CMHC insured mortgages at fully discounted interest rates.. F& ^" a# e7 N$ e
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Finally, in an effort to further take your attention away from the long * W% ?2 ~; I# }/ c) r0 |9 I
term rates, look for lenders to get more creative with the discounts
7 T6 M' e! ?, r1 @. E8 K+ Zthey offer on Variable Rate Mortgages. I fully expect to see stronger % {, K2 o7 z4 s- ^1 p' L4 Q; q
competition in the form of creative 'front-end loaded' discounts and
' x# b6 \+ S$ O' H4 o5 Nteaser rates that make it more confusing to compare an apple to an apple # c: J0 u! _" {0 W
when shopping for the best mortgage option. It's going to be another busy 2 A2 i! c. u: [: Z
spring market and consumers are going to be faced with more choices
; `% H1 h0 d( m" M( V% pthan ever before. The key, like always, is to get expert advice and
7 |* H$ P: H/ K8 H. Xremember you have options. |
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发表于 2006-5-7 20:26
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