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原帖由 dgg 于 2006-5-8 10:12 发表
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" y" ?3 T! E8 [. R5 P/ x; S谢谢，请继续。
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( G. M4 h5 H. j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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0 U5 G( m5 r! F. OSpring Is In The Air! In some markets in Canada it may feel like $ r. w4 i; f* v$ e
Spring is starting to arrive. Each and every year in late February and ) ~+ d- h7 r5 F4 N! e% _- d1 `
early March, the banks start rolling out their Spring market campaign of ! ]* O4 I# Z2 o
new products in an effort to attract new consumers. And, if early signs 2 v+ r. P! D# i+ \6 ^
are any indication, we're poised for yet another busy spring. The banks
# k- q2 k9 W0 V, Q( m3 m8 Jview this as the best time of year to get your attention by coming up + P" K- v+ v H+ t3 Y2 Q+ E& T% t6 {
with new products or simply putting twists on old ideas. ' ?# \. j9 D+ E6 E/ ^- U" r
& t9 q0 u# h, l) `* T; mOver the next few weeks we'll see a variety of new products and this
' Y1 n& g3 x9 n: U; v8 Eyear the early theme I'm seeing is banks getting more creative in an
, q1 K' ~9 H5 q7 U# i+ z+ feffort to help you borrow more money. This is partly in response to growing ; M2 w* t0 @* H/ P7 T
concerns about the potential of rising rates.
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. V+ Y0 S! Z5 XIn an effort to take the focus away from rates, look for two lenders to
( L# H+ F! s1 S+ ~come out with 'True Equity' programs that will allow home buyers the
! B9 F# C( z+ e1 K! Aability to borrow up to 75% of the equity in their homes without having 3 l+ h* X$ w* _8 T0 e) N# D) E, P/ O
to qualify based on their incomes. These programs were previously only 3 u5 q! }6 }% L
available to self-employed borrowers. Income earners had to either put
' j6 }3 L/ K3 v$ X5 J1 N2 Pmore money down or pay higher rates. This will now be a mortgage based
5 W+ n( g$ [4 m: J. s1 s$ \on the equity and the rates will be fully discounted.
& L4 f/ p+ j7 v* L& A# lAnother product to keep an eye on is more lenders who will be combining % G- G# I( W- U- a9 u+ u) w4 s
the mortgage with the line of credit and creating a 'Global borrowing 5 r: I8 G) `: g
limit' that will be re-advanceable. More and more consumers will be # M0 c; |0 |( M2 O: n3 G- I* ~
looking for these kind of products for tax planning and investment
( u; z( X2 f2 x% nstrategies.
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0 s% {& k' U' i0 N2 kAnd speaking about investors, banks are starting to recognize the
6 _% d6 y# A! Pgrowing number of home owners who are buying multiple revenue properties for 4 p- U' N1 t' d" s0 @7 r. S3 y! p
investments and we now have an 'Interest-Only' mortgage available for
* ]0 h0 t3 T5 G9 Bself-employed borrowers on a 'Stated-income' basis for revenue ! Z9 n' p5 L0 S" d' J1 l! l$ Z/ P
properties. This marks the first time a self-employed individual can use 9 H1 f/ d+ O+ u* p- I# u
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
- S0 P v, ~1 K/ l' w6 Kreflective of a growing trend towards American-Style lending practices. A prime
$ Q. K: D$ I% P! C3 j4 dexample of an American trend influencing our banks will be longer
) }* q. ]) u% c$ i/ Eamortization periods. Canada has held tight on 25 year amortizations for
4 ~% J# s7 J/ `7 Ryears, up until now that is. A few lenders have announced 30 year
* }" n) q% e) h2 T, v) e5 `amortizations on CMHC insured mortgages at fully discounted interest rates.
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3 l6 I) q( ~5 Z' B8 zFinally, in an effort to further take your attention away from the long " i) C3 j/ \' b$ q- \7 G
term rates, look for lenders to get more creative with the discounts 4 t, a/ c3 v9 v: j+ }! [: z
they offer on Variable Rate Mortgages. I fully expect to see stronger
5 Q5 M% Z$ K' K$ K$ Ycompetition in the form of creative 'front-end loaded' discounts and
. t5 w+ |) u+ l) Vteaser rates that make it more confusing to compare an apple to an apple
+ N' a8 v9 b' G: [- X) Q) qwhen shopping for the best mortgage option. It's going to be another busy
# R; x/ y) W2 Z8 K1 e0 Cspring market and consumers are going to be faced with more choices
|0 s; W, C2 j' Xthan ever before. The key, like always, is to get expert advice and
! }: F0 c& _4 x& ]3 O7 x8 rremember you have options. |
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