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原帖由 dgg 于 2006-5-8 10:12 发表8 J) u! C' a+ Q9 L M
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& z( H0 v7 B, T谢谢，请继续。
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. O8 m9 N- z, ]3 c/ {8 `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.1 `' E$ T, @7 z8 ?4 I! n
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Spring Is In The Air! In some markets in Canada it may feel like # c' \* R) E; Z' E! n& ?
Spring is starting to arrive. Each and every year in late February and
. V0 W9 N) K9 u5 I) p }) K( k5 O* _early March, the banks start rolling out their Spring market campaign of
: o" a( k2 m6 m4 Y6 l) X; y/ B9 anew products in an effort to attract new consumers. And, if early signs 8 e* N+ ?% J2 V* v7 u: Y
are any indication, we're poised for yet another busy spring. The banks 8 [. @$ ~" o7 D. ?/ `& ]
view this as the best time of year to get your attention by coming up
: P# t% V. ^+ N; l4 h7 M2 N; Q5 \! U# N [with new products or simply putting twists on old ideas.
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- j0 [' r3 L* s) c* wOver the next few weeks we'll see a variety of new products and this
$ a3 s% U2 i4 D' k) Dyear the early theme I'm seeing is banks getting more creative in an 4 h5 \+ Y/ W/ ^2 i! U% f
effort to help you borrow more money. This is partly in response to growing
. ~- j+ Z- I4 u, X* T' k1 ~) Jconcerns about the potential of rising rates. . Y4 G; F6 W; x, N% d( x1 |
) U3 c' g7 ^6 Y) }; AIn an effort to take the focus away from rates, look for two lenders to
# i$ i' ~& b9 V+ X, Jcome out with 'True Equity' programs that will allow home buyers the
$ l# }- s* U5 L3 L! F4 F8 jability to borrow up to 75% of the equity in their homes without having
0 ^) E: \( L6 @to qualify based on their incomes. These programs were previously only + x4 c' S6 @# |& Y5 p
available to self-employed borrowers. Income earners had to either put 5 [' B1 e9 D/ F A' G5 O
more money down or pay higher rates. This will now be a mortgage based 9 r6 ?0 O( u$ N6 \3 d( `
on the equity and the rates will be fully discounted.
( n) u) q% M6 m5 E5 \5 ]- tAnother product to keep an eye on is more lenders who will be combining
U( Q5 E4 i$ \* Q' `1 }' Qthe mortgage with the line of credit and creating a 'Global borrowing
- O6 Y% w. C: T; Q& M j& {limit' that will be re-advanceable. More and more consumers will be
( R& Z/ @( F0 |: C5 f# d M: Vlooking for these kind of products for tax planning and investment
% U: I1 y& A- o/ Q3 }strategies. ! o( ~4 K9 u9 X6 j: `8 G
- R; C, x1 `/ \$ x0 {1 dAnd speaking about investors, banks are starting to recognize the ) l+ K3 v; U h, V/ y7 {
growing number of home owners who are buying multiple revenue properties for
4 A _& Q" o( y* a' Rinvestments and we now have an 'Interest-Only' mortgage available for
4 V2 ^4 C' F; J# ?$ @self-employed borrowers on a 'Stated-income' basis for revenue
9 j, \+ N1 \. q& iproperties. This marks the first time a self-employed individual can use ! G Y2 N4 n$ e
'stated-income' to qualify for a revenue property.
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. F) @9 o( q8 nThe interest rates will be higher for this product, but it is 9 U1 v: k$ X' \! E! X/ U
reflective of a growing trend towards American-Style lending practices. A prime
! o( o$ g1 E- a' E( Nexample of an American trend influencing our banks will be longer
. n9 p4 H* E4 P5 U- x' pamortization periods. Canada has held tight on 25 year amortizations for
; V' x& x( ?: t5 l a& R6 byears, up until now that is. A few lenders have announced 30 year % U# q; o f+ g( M! L+ `
amortizations on CMHC insured mortgages at fully discounted interest rates.- e! l) o8 N; w, D
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Finally, in an effort to further take your attention away from the long & V% r3 A3 w# `
term rates, look for lenders to get more creative with the discounts
& ~' S! [- X" x1 C- \3 U4 h# `1 Nthey offer on Variable Rate Mortgages. I fully expect to see stronger
: N* R9 J& I0 r4 W. }. `competition in the form of creative 'front-end loaded' discounts and
- y: i. _, f. ?teaser rates that make it more confusing to compare an apple to an apple ^2 [4 ]0 v5 o% y, q, u7 `$ r
when shopping for the best mortgage option. It's going to be another busy 4 T2 }' {: r; X4 I2 m+ D) b l
spring market and consumers are going to be faced with more choices 0 E, D3 z# g* |4 G0 v- z5 `
than ever before. The key, like always, is to get expert advice and # e9 F# N0 K/ P! I
remember you have options. |
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发表于 2006-5-7 20:26
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