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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。( j/ _; S, e( F0 m/ f) e% R
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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.' z$ Y7 F0 \' x% U% u* U; Q* D
0 |! i: F3 ~# T) D7 h; aSpring Is In The Air! In some markets in Canada it may feel like 1 V' |4 }9 y) `& [- x; ^8 X
Spring is starting to arrive. Each and every year in late February and . i5 k1 _& o/ F% U( {
early March, the banks start rolling out their Spring market campaign of 1 o6 @% G1 D; Q( U& g( b8 J; W
new products in an effort to attract new consumers. And, if early signs 0 R4 v8 H! r: e6 m E' X" R
are any indication, we're poised for yet another busy spring. The banks 4 k9 l* L l ^
view this as the best time of year to get your attention by coming up
! a8 n1 u, `" [2 L U2 hwith 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 $ J# I5 I/ b, a; o, R) Q
year the early theme I'm seeing is banks getting more creative in an # o9 q, Q k+ c: @) X
effort to help you borrow more money. This is partly in response to growing
9 p3 u! h' ]! O$ Lconcerns about the potential of rising rates.
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& | x; \) ?3 ~. q- ` `0 OIn an effort to take the focus away from rates, look for two lenders to 5 Y/ F- A" M+ _% @" Y+ a3 m
come out with 'True Equity' programs that will allow home buyers the 9 c& F4 w8 W) Z! u
ability to borrow up to 75% of the equity in their homes without having
, ?+ w" w7 A" s5 Z$ c Qto qualify based on their incomes. These programs were previously only
% E( D. W4 X8 Javailable to self-employed borrowers. Income earners had to either put
% O# R9 q% I; H m. y# Z( A: Qmore money down or pay higher rates. This will now be a mortgage based 2 U/ p" n8 @7 j! I% u7 v* Z
on the equity and the rates will be fully discounted.5 p$ n p7 L$ ?9 o
Another product to keep an eye on is more lenders who will be combining + w2 v+ P8 ] B3 p1 J( Z
the mortgage with the line of credit and creating a 'Global borrowing
' P" Q: |3 u/ ], |: }0 [" J- rlimit' that will be re-advanceable. More and more consumers will be
5 h+ O3 }! O ^% dlooking for these kind of products for tax planning and investment
# a" A. a2 n& p% ^) s! Gstrategies.
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And speaking about investors, banks are starting to recognize the 7 e7 U' J+ U1 q4 ?
growing number of home owners who are buying multiple revenue properties for # j) G0 x, u; \8 E# M6 t
investments and we now have an 'Interest-Only' mortgage available for
6 r8 P. M* p+ J: |self-employed borrowers on a 'Stated-income' basis for revenue
) A* ], s7 J$ D9 \9 qproperties. This marks the first time a self-employed individual can use # F7 z: j+ o2 L# ~& s
'stated-income' to qualify for a revenue property. ; U0 H- O# _. Z) z
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The interest rates will be higher for this product, but it is * y$ o6 k! ?- ?) }1 f- q; ?* |
reflective of a growing trend towards American-Style lending practices. A prime 9 V6 n8 l& c+ }5 D7 ^( ]& g# F
example of an American trend influencing our banks will be longer ' ?' f: o2 b4 O) x7 \1 T
amortization periods. Canada has held tight on 25 year amortizations for 6 |) v* S9 ]7 `7 J; [# ?+ a
years, up until now that is. A few lenders have announced 30 year ' ~1 L4 L1 l x; h6 m$ o- b) v9 G
amortizations on CMHC insured mortgages at fully discounted interest rates.7 I/ @5 p1 Z) x. N8 K7 K- Z) A9 {; J7 l
: W' n; N) z O a& P) v) ]Finally, in an effort to further take your attention away from the long F5 f" ?& M' ?; k
term rates, look for lenders to get more creative with the discounts * n( U2 e8 I {# a
they offer on Variable Rate Mortgages. I fully expect to see stronger
; X @' U; J7 e; hcompetition in the form of creative 'front-end loaded' discounts and - p/ r2 u* k: L$ `0 B, c' T7 | g
teaser rates that make it more confusing to compare an apple to an apple
" y8 R1 }$ P, b3 swhen shopping for the best mortgage option. It's going to be another busy
n% x9 t$ k7 Z2 Nspring market and consumers are going to be faced with more choices
0 R& T9 b& L9 Xthan ever before. The key, like always, is to get expert advice and
0 ]" R4 o0 |- aremember you have options. |
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发表于 2006-5-7 20:26
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