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原帖由 dgg 于 2006-5-8 10:12 发表
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8 L: ?- Q0 G, S7 w5 ]谢谢，请继续。* f; D, k2 m8 K- o- W& Y
# h# w5 f4 n1 c* K e- t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。
3 q. Q; }3 _! X: ?The following article is written by Peter Kinch.
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. b( Z' D6 k/ Z/ [+ @Spring Is In The Air! In some markets in Canada it may feel like
# A% a2 n% t* W6 I; B* Y$ }Spring is starting to arrive. Each and every year in late February and k: r5 U- O, T
early March, the banks start rolling out their Spring market campaign of ' P5 C3 b7 [! D9 t6 `- u* N
new products in an effort to attract new consumers. And, if early signs : o& G- v _( p, w% r
are any indication, we're poised for yet another busy spring. The banks 2 z0 o6 p o5 R
view this as the best time of year to get your attention by coming up 8 Z) t* R& w5 g& c6 F: f4 ^
with new products or simply putting twists on old ideas. 7 T3 @# G/ {) I o9 _
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Over the next few weeks we'll see a variety of new products and this
' d2 ^4 F1 v9 T3 v x6 |4 D! yyear the early theme I'm seeing is banks getting more creative in an $ n: |' H' z3 _8 w
effort to help you borrow more money. This is partly in response to growing
3 G o; @) \$ _+ A7 }4 x0 Q& Uconcerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to 6 t+ M+ u1 c, U) K) m, q0 W" o3 L
come out with 'True Equity' programs that will allow home buyers the
) V, l9 I+ p: f. _+ y2 h( hability to borrow up to 75% of the equity in their homes without having " }1 J2 i: X/ { V0 C6 `% Z/ }! m
to qualify based on their incomes. These programs were previously only u1 C' s: H9 `1 v% x
available to self-employed borrowers. Income earners had to either put
1 H1 p; X M$ X, G* X5 vmore money down or pay higher rates. This will now be a mortgage based 7 N# E" z) |. N6 C, j- G
on the equity and the rates will be fully discounted.. P$ Q' D5 L- O4 }& L2 n
Another product to keep an eye on is more lenders who will be combining + C9 U7 n* J- A0 S' q) O
the mortgage with the line of credit and creating a 'Global borrowing
" l3 c$ j, u7 Alimit' that will be re-advanceable. More and more consumers will be 8 D9 a5 U/ r$ F. q7 j# ~+ X4 N
looking for these kind of products for tax planning and investment
% S2 V& N! h7 E2 c* }: F1 `$ |; Istrategies. ! j* v" [, j4 k/ ]* t- g
2 w. O8 r# [7 u- XAnd speaking about investors, banks are starting to recognize the
2 \; ^ `$ T4 i3 k6 e; fgrowing number of home owners who are buying multiple revenue properties for
" r5 h0 u7 r" ^ oinvestments and we now have an 'Interest-Only' mortgage available for
: g4 C7 Z, A: t2 R* `self-employed borrowers on a 'Stated-income' basis for revenue $ a* ?5 ?1 b( x% U" H/ D, P0 j
properties. This marks the first time a self-employed individual can use
6 K& u: a+ @1 m P. Z1 Y4 x9 \5 E n'stated-income' to qualify for a revenue property.
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) M8 M! a4 h0 D& F6 rThe interest rates will be higher for this product, but it is
4 r3 G9 w; i$ w$ y' B3 Yreflective of a growing trend towards American-Style lending practices. A prime
$ R9 y4 n3 Q( {& a" \9 ^9 Dexample of an American trend influencing our banks will be longer ( d( C% K, R1 p
amortization periods. Canada has held tight on 25 year amortizations for $ e8 n1 E! S+ h7 b2 l& J( T1 K
years, up until now that is. A few lenders have announced 30 year 9 O3 ~% ^. A) o' o+ f' u
amortizations 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 / S( J8 @" P3 `8 C
term rates, look for lenders to get more creative with the discounts ; e, @/ n) d- S* E8 t5 P% x& f& D# J
they offer on Variable Rate Mortgages. I fully expect to see stronger & M6 J& z( U5 @) l
competition in the form of creative 'front-end loaded' discounts and 0 Z1 s) f' p1 L! x. H2 V
teaser rates that make it more confusing to compare an apple to an apple
( g4 l' f; U' m+ s7 fwhen shopping for the best mortgage option. It's going to be another busy
+ W, D5 l% _. U0 | kspring market and consumers are going to be faced with more choices
7 T7 h6 |$ K- A% ]! Z g& @9 Jthan ever before. The key, like always, is to get expert advice and 9 p, p( v( M" v! |9 E. m; Q! I
remember you have options. |
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发表于 2006-5-7 20:26
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