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原帖由 dgg 于 2006-5-8 10:12 发表 ?; h" l# e0 Q0 }% O/ f
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谢谢，请继续。
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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。
# o- F! ?$ F9 v# m0 C" GThe following article is written by Peter Kinch." N9 F2 C1 Q) d6 P; N( V
; ]; Q S9 k' e* |/ [' }+ QSpring Is In The Air! In some markets in Canada it may feel like
, ]- }! X8 s$ @/ BSpring is starting to arrive. Each and every year in late February and
! P; K% \3 d" z. \$ w. W& jearly March, the banks start rolling out their Spring market campaign of
% R6 \' x: `: C3 L* U; y- [( j: `+ F! [, Dnew products in an effort to attract new consumers. And, if early signs
- v, O. o5 N2 ^% Dare any indication, we're poised for yet another busy spring. The banks
" H+ O" B3 S$ ?( Gview this as the best time of year to get your attention by coming up
1 z- [/ d; Y+ }; F( X! t2 ~with new products or simply putting twists on old ideas.
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* L) [7 X v$ i7 f* G1 lOver the next few weeks we'll see a variety of new products and this
" K9 P# }. z# l. Lyear the early theme I'm seeing is banks getting more creative in an
5 i& W9 J3 }! |. W, H. e% Z# I" Ieffort to help you borrow more money. This is partly in response to growing % f6 P5 L u0 \
concerns about the potential of rising rates. 0 s& f& k% M8 B
$ ]. y) E+ u4 z, [. a1 u+ TIn an effort to take the focus away from rates, look for two lenders to
! U F/ O: g% ycome out with 'True Equity' programs that will allow home buyers the
' Q. }; l. {" S0 C- X% _ability to borrow up to 75% of the equity in their homes without having 0 {% A4 N: h3 d7 Q6 X
to qualify based on their incomes. These programs were previously only " @5 v8 c3 P* c) L$ Z1 o$ Z9 L
available to self-employed borrowers. Income earners had to either put
- g/ @$ Z/ H5 K/ Y$ v& Y1 j3 jmore money down or pay higher rates. This will now be a mortgage based
+ g( p, u" j# N# h' uon the equity and the rates will be fully discounted.3 [" R$ T- G+ K$ o6 q1 B7 B/ u
Another product to keep an eye on is more lenders who will be combining $ D% d# l0 o# O
the mortgage with the line of credit and creating a 'Global borrowing
$ ~) @4 x: g% u$ I e; Ylimit' that will be re-advanceable. More and more consumers will be % h' j, N8 P$ u
looking for these kind of products for tax planning and investment / D' Y+ N* ^: o& F) Z4 V
strategies.
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And speaking about investors, banks are starting to recognize the 9 f9 Z5 B4 I% {+ x/ p
growing number of home owners who are buying multiple revenue properties for
+ _: U6 A- d- f, W/ W, [' E/ _investments and we now have an 'Interest-Only' mortgage available for 5 @7 |# w, b# Y
self-employed borrowers on a 'Stated-income' basis for revenue % g/ t( T; B' H }4 T4 s
properties. This marks the first time a self-employed individual can use 0 P2 |7 t' t3 e8 |3 h) O
'stated-income' to qualify for a revenue property. $ A; @, `8 f' `1 h( V
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The interest rates will be higher for this product, but it is
. g0 j( A8 B- Y- H S4 T3 Freflective of a growing trend towards American-Style lending practices. A prime : i' ~3 Z% J4 D5 C
example of an American trend influencing our banks will be longer ! K( }! @. P% R9 P
amortization periods. Canada has held tight on 25 year amortizations for ; Q, w! Q7 W" g0 D
years, up until now that is. A few lenders have announced 30 year 2 `& |; e' t" V
amortizations on CMHC insured mortgages at fully discounted interest rates.
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& b m7 g0 \0 y, P1 cFinally, in an effort to further take your attention away from the long 6 e. j3 ~1 j2 f6 z
term rates, look for lenders to get more creative with the discounts
) W, _, S& r8 c9 y" Q' zthey offer on Variable Rate Mortgages. I fully expect to see stronger 5 D, i( q' C7 X! d" X
competition in the form of creative 'front-end loaded' discounts and
) i" r0 t A( `' l$ iteaser rates that make it more confusing to compare an apple to an apple
0 y; e+ a& r2 Q" a _7 X) Q- f2 Z; Owhen shopping for the best mortgage option. It's going to be another busy
( [: w, E) S- q3 a* G, pspring market and consumers are going to be faced with more choices
" p7 Y7 y4 j3 J# z# Jthan ever before. The key, like always, is to get expert advice and
7 h5 [; i1 S; Q' o- J ~6 jremember you have options. |
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发表于 2006-5-7 20:26
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