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原帖由 dgg 于 2006-5-8 10:12 发表) Q! z3 x' [' w# `9 c
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5 Z# ~& ?3 [$ r- j8 l) S0 _$ h( B谢谢，请继续。8 t7 Q( H3 ?3 G: o7 I2 i
# l8 t& n$ i" b) |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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Spring Is In The Air! In some markets in Canada it may feel like # q# j6 `/ @$ l: h* u+ ~+ W
Spring is starting to arrive. Each and every year in late February and # p' y7 \ U( T' m( [6 x4 ?
early March, the banks start rolling out their Spring market campaign of
: p. |! ~/ ~ ^: Q2 m7 mnew products in an effort to attract new consumers. And, if early signs ( {, l* t& P, u0 \, c, Y
are any indication, we're poised for yet another busy spring. The banks ( ?5 I# T: |+ o# t. `/ M0 u
view this as the best time of year to get your attention by coming up
9 P7 ^# l) J _, _2 Vwith new products or simply putting twists on old ideas. 7 c+ {) ^4 N. s0 M
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Over the next few weeks we'll see a variety of new products and this 8 |, [/ P c, Z u( l
year the early theme I'm seeing is banks getting more creative in an 0 d D4 q [9 w4 v
effort to help you borrow more money. This is partly in response to growing ) d; M" t2 A! P9 t: t: W
concerns about the potential of rising rates. : _1 x( p( N" b. |7 @+ R
; V: w9 A5 Q5 x6 c7 z) K5 \3 ^2 aIn an effort to take the focus away from rates, look for two lenders to . q4 N7 p9 R+ T. P1 ^( l6 M% B
come out with 'True Equity' programs that will allow home buyers the
" B7 I; X# [6 L1 U7 G1 Q# J! t. Jability to borrow up to 75% of the equity in their homes without having - Q, Z1 R* ~$ s9 K, K) u
to qualify based on their incomes. These programs were previously only
4 W2 p( n# L' b6 F/ R. V; U6 n6 ~" Pavailable to self-employed borrowers. Income earners had to either put ) d9 r% k @8 Y8 y# y4 l
more money down or pay higher rates. This will now be a mortgage based
- H$ R3 E$ g" i2 x" ~2 M2 Y/ t. jon the equity and the rates will be fully discounted.4 i) n; \! ?0 v4 u9 I
Another product to keep an eye on is more lenders who will be combining
9 k, m, w( B; X, o% c% Dthe mortgage with the line of credit and creating a 'Global borrowing 7 ]2 u7 l( G8 q8 q% _
limit' that will be re-advanceable. More and more consumers will be 4 g& k6 c: `( g) S$ B7 J
looking for these kind of products for tax planning and investment
2 C3 ~9 r" \5 N! O0 h4 `2 r1 @strategies.
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# S1 `+ Y6 b @+ wAnd speaking about investors, banks are starting to recognize the
# f# ~3 u: g: q, _ t- }4 Xgrowing number of home owners who are buying multiple revenue properties for 7 n; d+ ^2 `3 [$ f& n! K1 K
investments and we now have an 'Interest-Only' mortgage available for * H; u0 W/ B& o+ g2 x+ e
self-employed borrowers on a 'Stated-income' basis for revenue + Q' J9 Y9 l1 c! E. v
properties. This marks the first time a self-employed individual can use - P* o% A! ]0 I% n' B, t* A
'stated-income' to qualify for a revenue property. / ?$ | H0 a' o5 ^5 S7 H
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The interest rates will be higher for this product, but it is $ K7 D; Q& y! u, A
reflective of a growing trend towards American-Style lending practices. A prime 7 s% M# n* v0 u! q# [/ N: F' M
example of an American trend influencing our banks will be longer ) q' B3 U/ U( q) t
amortization periods. Canada has held tight on 25 year amortizations for . P4 g3 s) Q* R8 d8 }
years, up until now that is. A few lenders have announced 30 year
; P8 j. R9 ?6 k' @$ n( W) lamortizations on CMHC insured mortgages at fully discounted interest rates.# K; R' Q' S& w
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Finally, in an effort to further take your attention away from the long
) y, s3 i1 o% k3 ^4 o) L' Pterm rates, look for lenders to get more creative with the discounts
% W9 Z' d4 \ S% V& lthey offer on Variable Rate Mortgages. I fully expect to see stronger
% h6 I2 M7 d* e- G6 kcompetition in the form of creative 'front-end loaded' discounts and
- N! b7 k+ i' }$ x, d% T3 Eteaser rates that make it more confusing to compare an apple to an apple
* P! ]3 |& ~$ i$ w# N! {' o) Vwhen shopping for the best mortgage option. It's going to be another busy
C3 X) L8 F) B4 H. m4 {spring market and consumers are going to be faced with more choices
0 F( d$ z7 u, Y4 w( _than ever before. The key, like always, is to get expert advice and : |: R/ G/ a8 H& l" |! {
remember you have options. |
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发表于 2006-5-7 20:26
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