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原帖由 dgg 于 2006-5-8 10:12 发表+ C/ w- Y+ J' a( `: ~
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谢谢，请继续。
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- Z' m' W$ Z) V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。
. ^/ J* r6 Z7 ?% z8 T3 sThe following article is written by Peter Kinch.: l: U# H- E8 i) E; y
8 k, o0 U2 j, z4 C' n4 fSpring Is In The Air! In some markets in Canada it may feel like * Y' T: g% @- ^3 [3 L. i* d! K" }
Spring is starting to arrive. Each and every year in late February and 7 n1 K/ v8 A/ B( {
early March, the banks start rolling out their Spring market campaign of
' w# b5 E3 Q( c; a* n2 q0 p4 W% Znew products in an effort to attract new consumers. And, if early signs ) I5 E' b: x7 @
are any indication, we're poised for yet another busy spring. The banks
+ r$ N$ ~/ z+ ?view this as the best time of year to get your attention by coming up
3 A% P2 X3 G% h6 d# d& \# @with new products or simply putting twists on old ideas. ( X+ p- |1 X% D) {
9 b, f5 b4 }- QOver the next few weeks we'll see a variety of new products and this
4 B" }" l- L. o: M8 Kyear the early theme I'm seeing is banks getting more creative in an ) Q. o# N+ R) {4 W
effort to help you borrow more money. This is partly in response to growing
# @3 C% H+ ~; y2 W( \& `concerns about the potential of rising rates.
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$ u1 S) U' u9 O- |2 d0 w) tIn an effort to take the focus away from rates, look for two lenders to
- Y8 W8 k4 w f3 Q& v0 ucome out with 'True Equity' programs that will allow home buyers the
) o9 M; ]- q/ k# c# Tability to borrow up to 75% of the equity in their homes without having
7 D8 x2 ^# P* [3 d# D* d+ b6 z" rto qualify based on their incomes. These programs were previously only
# f5 C/ d# B) G3 L0 P! H, Cavailable to self-employed borrowers. Income earners had to either put * E% q+ H J* g4 s9 |' m& [- ]
more money down or pay higher rates. This will now be a mortgage based 8 {3 I: K. z0 }) {$ r6 B" t# K
on the equity and the rates will be fully discounted.- x* ~+ d: [ r( K
Another product to keep an eye on is more lenders who will be combining 6 U2 G: `# ~* f
the mortgage with the line of credit and creating a 'Global borrowing 1 ]1 I- W4 z: I! B2 B
limit' that will be re-advanceable. More and more consumers will be : u& m( C% ?7 J
looking for these kind of products for tax planning and investment n' W' L$ j) m5 f7 l0 u I
strategies.
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/ k/ ~/ D- _" G/ y! S* ^! Z; D+ jAnd speaking about investors, banks are starting to recognize the 9 _% {' A2 m. D& L# b. {
growing number of home owners who are buying multiple revenue properties for * u! n$ h$ \% X K ~& l, |: W
investments and we now have an 'Interest-Only' mortgage available for 8 G* }+ h0 k3 ^ A* H0 J
self-employed borrowers on a 'Stated-income' basis for revenue
7 D' g% v, n2 u5 l8 Z7 F% Aproperties. This marks the first time a self-employed individual can use
5 _: [* ]0 Z. t% a'stated-income' to qualify for a revenue property. % X3 x# O1 ]0 K3 ?3 H' w" j
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The interest rates will be higher for this product, but it is
7 Z" e7 D2 R4 X0 a: l! u% q# V4 rreflective of a growing trend towards American-Style lending practices. A prime 2 r M) O' b O- X5 v* H& q5 Y% \
example of an American trend influencing our banks will be longer
, j% u- u3 M7 Y+ S0 damortization periods. Canada has held tight on 25 year amortizations for
3 u, P' s8 x: R! T/ i+ {6 m3 Xyears, up until now that is. A few lenders have announced 30 year
/ l' N, H" O3 v O; S Z4 Wamortizations on CMHC insured mortgages at fully discounted interest rates.
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+ u8 U5 @7 R0 p' CFinally, in an effort to further take your attention away from the long
) C! Y/ V& i& e1 aterm rates, look for lenders to get more creative with the discounts ' `. b& h6 c& ^4 W
they offer on Variable Rate Mortgages. I fully expect to see stronger
( W5 Y# k; c4 c. ?5 Lcompetition in the form of creative 'front-end loaded' discounts and - P: N. ~# f/ Z3 r- m Q
teaser rates that make it more confusing to compare an apple to an apple
* V. k+ J- }7 t. a0 i! Vwhen shopping for the best mortgage option. It's going to be another busy 0 G6 ]- P' H3 j, d$ c$ n5 |
spring market and consumers are going to be faced with more choices # G8 A( Y7 a2 C) s( T7 Z& z
than ever before. The key, like always, is to get expert advice and
. s8 s: I+ R# l4 f: t) Xremember you have options. |
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发表于 2006-5-7 20:26
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