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原帖由 dgg 于 2006-5-8 10:12 发表" ]; ?8 ~4 w# e1 ^: L1 v
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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。
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The following article is written by Peter Kinch.3 |5 F- K0 {" a
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Spring Is In The Air! In some markets in Canada it may feel like
% w; h8 c6 q+ i I( \; ~Spring is starting to arrive. Each and every year in late February and
}" N' t" P5 P- R! }/ g$ t% X5 eearly March, the banks start rolling out their Spring market campaign of , s1 F$ d! A x* J3 y! @3 t
new products in an effort to attract new consumers. And, if early signs # Y0 m1 Z1 ] N# n3 f* [
are any indication, we're poised for yet another busy spring. The banks
" D# N- E8 Z+ i4 U# H* D! Cview this as the best time of year to get your attention by coming up
) m1 h" M7 k9 w4 Q; V2 ]& Ywith 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 5 ], V) l9 Z5 H7 u: U
year the early theme I'm seeing is banks getting more creative in an ' t7 ^* ^3 z" O4 z7 n6 G
effort to help you borrow more money. This is partly in response to growing
4 f- @8 _4 g4 O- zconcerns about the potential of rising rates. 5 }* |7 B5 s9 H! W. X/ o1 C* X
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In an effort to take the focus away from rates, look for two lenders to
- O |% H& p2 G( y9 acome out with 'True Equity' programs that will allow home buyers the
& N/ v4 S! H) Oability to borrow up to 75% of the equity in their homes without having
" R; m; `1 D4 H8 P2 V' T3 Xto qualify based on their incomes. These programs were previously only & L8 U( \2 Q, ?8 ^+ ]
available to self-employed borrowers. Income earners had to either put
+ a- \( f, B. L9 F8 z, c: }) Kmore money down or pay higher rates. This will now be a mortgage based " X, C; ~2 }6 F; D4 b' q5 v2 T
on the equity and the rates will be fully discounted.! W7 Y# k Q" l: n
Another product to keep an eye on is more lenders who will be combining
) M. b% q( J; { Ethe mortgage with the line of credit and creating a 'Global borrowing ; H6 V6 l- ^- R& M) i, s5 I! F p
limit' that will be re-advanceable. More and more consumers will be + r. {4 F% ]# j. K8 ^5 [1 }
looking for these kind of products for tax planning and investment
4 _$ M5 y6 G2 ]! qstrategies. ) l0 F) \+ N/ q4 @; K4 R9 j" m7 k
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And speaking about investors, banks are starting to recognize the
8 R" E# S: q& J% b: Tgrowing number of home owners who are buying multiple revenue properties for
' M' C& Q8 R( l4 v9 i! R0 z% i b! ^6 R: Jinvestments and we now have an 'Interest-Only' mortgage available for
- P' g' p& A g1 P) Gself-employed borrowers on a 'Stated-income' basis for revenue ) p! K* Z* O& n( K
properties. This marks the first time a self-employed individual can use 0 }0 p1 I! q$ r1 l M
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
; M1 z- j7 h0 I4 [reflective of a growing trend towards American-Style lending practices. A prime
! ~; v5 {! a6 H7 w1 e7 ]example of an American trend influencing our banks will be longer * W; N( o6 j: y1 N
amortization periods. Canada has held tight on 25 year amortizations for 4 p }" C. v& {8 X* o8 F4 R- W
years, up until now that is. A few lenders have announced 30 year ! J/ M- U8 U+ b# x5 q
amortizations on CMHC insured mortgages at fully discounted interest rates.* _, U7 B- F9 S! A4 @
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Finally, in an effort to further take your attention away from the long + {! N+ ^7 a/ n
term rates, look for lenders to get more creative with the discounts
% l7 M$ B" \5 c1 c6 b& y% v' e- l4 S3 Qthey offer on Variable Rate Mortgages. I fully expect to see stronger * `$ M2 \( s& j" Z: \; c% E
competition in the form of creative 'front-end loaded' discounts and $ A0 Z. X: {9 R
teaser rates that make it more confusing to compare an apple to an apple
* r- S$ X4 i$ fwhen shopping for the best mortgage option. It's going to be another busy
$ r% x& D( e) J; \! Wspring market and consumers are going to be faced with more choices # C) R/ t8 j2 S3 W
than ever before. The key, like always, is to get expert advice and ' c! B" v8 H# s! I
remember you have options. |
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发表于 2006-5-7 20:26
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