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原帖由 dgg 于 2006-5-8 10:12 发表& P( B1 N, S7 G; X4 h, J: i
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谢谢，请继续。4 G- s! y% P; V2 y+ |7 e6 e2 _$ 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。
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3 Y4 J9 d( z" K+ A# AThe 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 9 ~7 \; V9 M+ N! ?* L
Spring is starting to arrive. Each and every year in late February and
' }& B# ^) W* {1 R. e4 b. H. Eearly March, the banks start rolling out their Spring market campaign of 8 U, N5 G7 @; h* {5 h2 Y" l$ U
new products in an effort to attract new consumers. And, if early signs # i" v% `6 h6 q- }
are any indication, we're poised for yet another busy spring. The banks $ k$ i6 J" p: q& j7 z
view this as the best time of year to get your attention by coming up
# _: R0 T/ r$ m- l0 E5 Q4 n5 Wwith new products or simply putting twists on old ideas.
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O! F2 \, r2 L; gOver the next few weeks we'll see a variety of new products and this 1 z. O+ O. w/ q* D
year the early theme I'm seeing is banks getting more creative in an 2 F; {- l5 H' ?7 Z9 t
effort to help you borrow more money. This is partly in response to growing
: t# `* W0 C1 ~9 Vconcerns about the potential of rising rates. 0 R* K- C& i2 F
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In an effort to take the focus away from rates, look for two lenders to % [0 Y( `) |' w3 ~: t! ]
come out with 'True Equity' programs that will allow home buyers the ( v# ]2 C9 r' r# i: _( O" S1 K
ability to borrow up to 75% of the equity in their homes without having
$ g$ I! z9 u# yto qualify based on their incomes. These programs were previously only
7 K- Y* t, [- H2 K" B3 O# Bavailable to self-employed borrowers. Income earners had to either put
8 }8 e$ o8 l% N/ [7 r- a' dmore money down or pay higher rates. This will now be a mortgage based " U1 g' }% _2 H2 h
on the equity and the rates will be fully discounted.
. y# l5 H* P6 b1 [( \+ m/ L& e: IAnother product to keep an eye on is more lenders who will be combining
' ~: y5 O- M# p' A6 x6 k) ^' `the mortgage with the line of credit and creating a 'Global borrowing 9 p" i; c+ w. S V3 T- ^' E' T
limit' that will be re-advanceable. More and more consumers will be
9 z1 n0 R# |, K1 K" u; qlooking for these kind of products for tax planning and investment 2 {! w6 H0 ~# u4 @4 w( ^- Y
strategies. * @* L% O( ~5 J! y
8 I3 w% y; f- I# HAnd speaking about investors, banks are starting to recognize the 8 o! b, c# K! k6 Q
growing number of home owners who are buying multiple revenue properties for
( }0 I, T" |- O! r. a2 Uinvestments and we now have an 'Interest-Only' mortgage available for ! t0 c A. g3 U( a2 F" a
self-employed borrowers on a 'Stated-income' basis for revenue / j4 f7 E. e2 E
properties. This marks the first time a self-employed individual can use 0 W6 _5 M7 U# n, J+ w4 w1 b
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 3 m% u) T0 L3 d2 H" T
reflective of a growing trend towards American-Style lending practices. A prime 2 e6 n9 q, m1 P7 M( [6 {( s* I# ~) d
example of an American trend influencing our banks will be longer
* I' B; l& b: P5 O2 s( U2 l y* } gamortization periods. Canada has held tight on 25 year amortizations for 4 |; N: x& s- W, p1 ]
years, up until now that is. A few lenders have announced 30 year
: I, ?3 Y+ m, S) s, `0 xamortizations 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 9 Q5 E, u3 n9 q. b' S
term rates, look for lenders to get more creative with the discounts
+ M0 k/ j3 @( N. F, [# O9 L) l# G# tthey offer on Variable Rate Mortgages. I fully expect to see stronger 7 E+ q+ ~6 y8 W1 B4 a* J" y
competition in the form of creative 'front-end loaded' discounts and 3 G$ i* u Y7 z* ^
teaser rates that make it more confusing to compare an apple to an apple
' B6 e G/ d1 w- D( j7 |- Nwhen shopping for the best mortgage option. It's going to be another busy
3 a- i" t: y% H0 ^spring market and consumers are going to be faced with more choices
3 B0 j. e- ~8 jthan ever before. The key, like always, is to get expert advice and
+ x5 G! j0 \" j. hremember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
发表于 2006-5-7 22:22
