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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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* e/ Z( y9 A$ V+ G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。
$ I/ M. e' b; F' W4 ^* q# tThe following article is written by Peter Kinch.9 X( M/ C. ]/ ^2 H5 t. W
/ c9 ]8 l8 E$ E6 KSpring Is In The Air! In some markets in Canada it may feel like
2 d' j8 w. ?$ f: x j6 E# ZSpring is starting to arrive. Each and every year in late February and 5 x3 Y f' y# ]" t8 Z
early March, the banks start rolling out their Spring market campaign of
" n: n* @% ~/ b' L+ \% qnew products in an effort to attract new consumers. And, if early signs
: r- N9 o! H% @9 {are any indication, we're poised for yet another busy spring. The banks
. k# [# r: {7 U5 Oview this as the best time of year to get your attention by coming up 5 C- Q( u7 T* k! E& p. I
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this ; u: O" K7 B# e0 G% q
year the early theme I'm seeing is banks getting more creative in an
# @$ }* A' y2 Y. ]# f4 h* feffort to help you borrow more money. This is partly in response to growing
0 t3 V& D3 R8 A3 cconcerns about the potential of rising rates.
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/ ?7 @; C, z( a* A& X3 n. l& UIn an effort to take the focus away from rates, look for two lenders to 6 Z# V0 q# Q! I/ f' u) c
come out with 'True Equity' programs that will allow home buyers the ) `# ~$ k% n( b( ? E; _
ability to borrow up to 75% of the equity in their homes without having 9 {; A6 t+ `* h: R* e
to qualify based on their incomes. These programs were previously only
. m- O) ^% l! `; Z3 ~8 d3 T7 mavailable to self-employed borrowers. Income earners had to either put
# W+ d* B6 u/ b5 N, r" U$ U( imore money down or pay higher rates. This will now be a mortgage based # u% D3 O6 N, B1 Q
on the equity and the rates will be fully discounted.
8 r- l* l4 m- r. _Another product to keep an eye on is more lenders who will be combining + ^- ~' T7 [4 ?% S. u
the mortgage with the line of credit and creating a 'Global borrowing
; [' V! e( G4 alimit' that will be re-advanceable. More and more consumers will be
# B7 }9 s# ^7 `8 a; u, ]looking for these kind of products for tax planning and investment ; q9 p3 Q& Z/ M& }" Z
strategies. * [2 _3 B5 h) ?! k3 J' q7 }7 _, s4 R7 t
3 B* J# Z, ~( a) {- |3 p0 |And speaking about investors, banks are starting to recognize the
1 f$ H7 q# r, m) O% Agrowing number of home owners who are buying multiple revenue properties for ! d6 X; j, @' u* b
investments and we now have an 'Interest-Only' mortgage available for
3 k }: G/ ~9 s6 e: N; vself-employed borrowers on a 'Stated-income' basis for revenue ( q0 X' S' e! u- W. j
properties. This marks the first time a self-employed individual can use
3 j; K6 L; \1 Y, 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 % ?) i) g7 P6 P3 x' [
reflective of a growing trend towards American-Style lending practices. A prime [0 Q/ o$ B3 l9 n$ s8 k% n# a; P! X
example of an American trend influencing our banks will be longer 9 d) \3 C- V. e( G# u( C6 m$ o
amortization periods. Canada has held tight on 25 year amortizations for
) g2 S6 g5 W) Ryears, up until now that is. A few lenders have announced 30 year
! i4 s" H6 e) g8 J4 N6 K1 b5 w- `amortizations on CMHC insured mortgages at fully discounted interest rates.; }) M( T& r" c+ f
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Finally, in an effort to further take your attention away from the long % m' t5 e- }1 G( ~
term rates, look for lenders to get more creative with the discounts
* A1 d' @" t! U8 [+ _they offer on Variable Rate Mortgages. I fully expect to see stronger e* c4 C. F' q5 Q. f! f) F! F
competition in the form of creative 'front-end loaded' discounts and
9 k- K) a5 D% l3 I4 m# t1 m, }teaser rates that make it more confusing to compare an apple to an apple % c* }! M# r/ y8 H, P5 h2 L) c
when shopping for the best mortgage option. It's going to be another busy
5 @" |: y3 N, ospring market and consumers are going to be faced with more choices
* [4 p5 c# W, h9 G) \% athan ever before. The key, like always, is to get expert advice and ! W6 O" A+ ?! M& O y, a+ ?1 M
remember you have options. |
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发表于 2006-5-7 20:26
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