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原帖由 dgg 于 2006-5-8 10:12 发表2 M, W4 m1 @* q: G
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谢谢，请继续。0 {0 x2 ~2 U+ f
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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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The following article is written by Peter Kinch.: s( x" `" S. d: J
- x7 @# P; n$ d/ T8 HSpring Is In The Air! In some markets in Canada it may feel like
+ m. \* Q4 O0 |* ?& _5 B/ dSpring is starting to arrive. Each and every year in late February and
% n4 u# A# D- i/ \% b& M) Searly March, the banks start rolling out their Spring market campaign of 4 ~8 ]- C' T2 z/ O! B7 T% o7 q; i
new products in an effort to attract new consumers. And, if early signs
' ?( {: k/ ?: }& Y x3 vare any indication, we're poised for yet another busy spring. The banks
: r2 u* p8 u( K% tview this as the best time of year to get your attention by coming up
* X& s/ w* J( F( q9 E( Xwith new products or simply putting twists on old ideas.
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/ b$ ~8 l: r4 x uOver the next few weeks we'll see a variety of new products and this 5 g2 X- }0 V! x7 W
year the early theme I'm seeing is banks getting more creative in an
P! m J" _* a& Leffort to help you borrow more money. This is partly in response to growing
" d; n( g$ y3 z* y; G# [$ F; }7 gconcerns 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 5 b- C. W* n! p9 v" @7 S2 v
come out with 'True Equity' programs that will allow home buyers the
6 ]$ x; ?. U* c9 U7 xability to borrow up to 75% of the equity in their homes without having
8 L R7 b6 t: G+ v" Qto qualify based on their incomes. These programs were previously only
$ p1 H& r6 G' \) b7 [- `available to self-employed borrowers. Income earners had to either put 7 \3 P5 `( q* i
more money down or pay higher rates. This will now be a mortgage based . Q, r3 R9 @/ e& L% u/ b5 Y% _3 g9 c
on the equity and the rates will be fully discounted.
[/ z: Y- H# b8 }Another product to keep an eye on is more lenders who will be combining * Q- B, I4 S# N& @9 I$ ?( ^
the mortgage with the line of credit and creating a 'Global borrowing
! {- V0 e7 j% n3 a% E/ |/ K. ]$ ^limit' that will be re-advanceable. More and more consumers will be
' v k: l5 t- I) @looking for these kind of products for tax planning and investment
% S7 M8 ]: r- `! ^& ]strategies.
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/ {4 n$ p2 n A0 T& gAnd speaking about investors, banks are starting to recognize the k; G# u2 p/ r+ h
growing number of home owners who are buying multiple revenue properties for 8 e$ E' D# J+ I* o/ E, I
investments and we now have an 'Interest-Only' mortgage available for
/ d0 W; i- N% U: o" iself-employed borrowers on a 'Stated-income' basis for revenue ' c* v0 z5 b+ O, r$ E8 U
properties. This marks the first time a self-employed individual can use
& h& j) `- M) T'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is ( n$ r! k6 W' g9 E' L0 f
reflective of a growing trend towards American-Style lending practices. A prime 7 Y9 v( w$ ?5 Y U( d4 S! P
example of an American trend influencing our banks will be longer # q d4 _7 B1 ]- o, x$ t: v& v" `
amortization periods. Canada has held tight on 25 year amortizations for
# O O! H# Y' r( y% T5 byears, up until now that is. A few lenders have announced 30 year 2 q1 A8 J. q8 Y
amortizations on CMHC insured mortgages at fully discounted interest rates.9 H9 s+ N8 v9 n8 e# t
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Finally, in an effort to further take your attention away from the long , s3 P, {9 l& _# ?
term rates, look for lenders to get more creative with the discounts
+ d1 B0 [* j& e! v- }) ?) kthey offer on Variable Rate Mortgages. I fully expect to see stronger
t# c2 A( P1 n- x! w* S ocompetition in the form of creative 'front-end loaded' discounts and G' M9 W$ @8 f9 \: A# H
teaser rates that make it more confusing to compare an apple to an apple 8 R3 M9 [3 J( {, C2 _ w
when shopping for the best mortgage option. It's going to be another busy # I( ~' ^0 I1 C) D4 O2 ?
spring market and consumers are going to be faced with more choices
% s4 H1 Y. r" q( X Jthan ever before. The key, like always, is to get expert advice and
* v% G9 ~- L: C# v. Oremember you have options. |
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发表于 2006-5-7 20:26
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