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原帖由 dgg 于 2006-5-8 10:12 发表( ]; T8 p, J# y' a0 Q M; o
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, ]- ~0 A1 V6 }: h9 l谢谢，请继续。
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! e' g& H: N! b3 x) a$ e; T4 O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.
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Spring Is In The Air! In some markets in Canada it may feel like
$ A. p- M+ g( Y) d3 s. A# h3 MSpring is starting to arrive. Each and every year in late February and " E/ e8 m% H0 {/ N4 o3 e9 |, z
early March, the banks start rolling out their Spring market campaign of
% O \$ D3 g+ g) d/ U' l) H0 b Nnew products in an effort to attract new consumers. And, if early signs
9 O* z) G: ]0 C6 [/ D. c4 kare any indication, we're poised for yet another busy spring. The banks
; m3 M& f6 h3 Dview this as the best time of year to get your attention by coming up % M7 e) T3 }$ X8 Z1 E
with new products or simply putting twists on old ideas. + a. w7 U- k. u( N: E2 t& L* ?8 n+ ]
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Over the next few weeks we'll see a variety of new products and this
1 g/ f1 h: m1 s* p E9 g8 w* Cyear the early theme I'm seeing is banks getting more creative in an
( G/ V5 U) ?- feffort to help you borrow more money. This is partly in response to growing
4 g0 K, V# p lconcerns 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 3 f! z6 @. ^8 h& u1 i# J$ T
come out with 'True Equity' programs that will allow home buyers the , y, M$ Y; z6 V' S
ability to borrow up to 75% of the equity in their homes without having
2 E3 n7 l: E5 Dto qualify based on their incomes. These programs were previously only : q0 L/ a% W. ?, j3 z
available to self-employed borrowers. Income earners had to either put 2 K0 E4 @: t; a8 Y6 [5 p0 Y; Q
more money down or pay higher rates. This will now be a mortgage based - b; X; I" u% M
on the equity and the rates will be fully discounted.
+ f# ?8 O2 B3 f- c9 H {Another product to keep an eye on is more lenders who will be combining & x( c. w- u' U* y
the mortgage with the line of credit and creating a 'Global borrowing % C# @% h5 t* Q" j# H+ }& [
limit' that will be re-advanceable. More and more consumers will be . C2 D+ ^( H0 D2 U6 H& z2 A+ h& B
looking for these kind of products for tax planning and investment
' O9 B9 [7 O2 vstrategies. ! L; [$ ^& u4 }8 }- H# b2 o
3 K" L) U6 x: p. bAnd speaking about investors, banks are starting to recognize the 5 m/ I. b u5 n7 [3 n
growing number of home owners who are buying multiple revenue properties for 0 G" |5 c& @3 q; }- [8 y% U2 B8 V% P8 B
investments and we now have an 'Interest-Only' mortgage available for
* p6 s& `$ _, @; T% Zself-employed borrowers on a 'Stated-income' basis for revenue 6 Y+ v7 r, ?- X
properties. This marks the first time a self-employed individual can use ' s' f7 k$ @8 N1 n: d; ?/ Z) }
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
8 ^. R' T9 {- m4 F; \% treflective of a growing trend towards American-Style lending practices. A prime
G) X# C- E; \! |# Y4 j: }: iexample of an American trend influencing our banks will be longer
2 a" z3 B4 e) Hamortization periods. Canada has held tight on 25 year amortizations for ) ]: @1 a5 b+ f# x/ Z0 v8 i' h
years, up until now that is. A few lenders have announced 30 year 5 {! ~4 j7 m$ \4 F
amortizations on CMHC insured mortgages at fully discounted interest rates.9 Q, E* K3 C' V$ ^! F! e# w1 Z
6 y/ E; i& A3 h" e/ IFinally, in an effort to further take your attention away from the long & N& v `3 a" v* c/ Y) L+ j
term rates, look for lenders to get more creative with the discounts ) C1 L1 E. B; h3 w
they offer on Variable Rate Mortgages. I fully expect to see stronger & P0 B) c' ]8 T) G) A
competition in the form of creative 'front-end loaded' discounts and , G, c. Y! A0 C) d. y- v" Q/ t
teaser rates that make it more confusing to compare an apple to an apple ' f& P; {6 a. p) u! S2 m0 M
when shopping for the best mortgage option. It's going to be another busy ' E# o7 B' a$ P4 {* Z& o. ]6 G* p& \
spring market and consumers are going to be faced with more choices
: Q D" f: ?9 fthan ever before. The key, like always, is to get expert advice and
% e( Q8 Y" z) _5 a. N. Oremember you have options. |
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发表于 2006-5-7 20:26
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