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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。7 w3 w1 l4 B7 s0 Y# z2 [' U7 H
& M% e4 ]% Q! z; f# b5 v) x, ~$ [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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+ v" \& a9 G% y$ B7 G6 C KThe following article is written by Peter Kinch." h+ M3 v. G- N+ q
: {9 u3 a' x3 B. D4 xSpring Is In The Air! In some markets in Canada it may feel like
5 H7 a6 T" N5 u) _8 y9 iSpring is starting to arrive. Each and every year in late February and ! L+ D- Y: A' @3 H$ y
early March, the banks start rolling out their Spring market campaign of ) h+ E" z a4 _, m5 q- ]
new products in an effort to attract new consumers. And, if early signs
$ @% u' D8 l- @8 b2 ?8 mare any indication, we're poised for yet another busy spring. The banks 6 G- t: l* b* Z3 u t
view this as the best time of year to get your attention by coming up
6 f( R( {# y* _) ]" Q# [) lwith 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
/ o* |. w' ]4 }2 ?" H$ z0 qyear the early theme I'm seeing is banks getting more creative in an 3 n: ~8 V" k- d7 S4 t& C4 B' y
effort to help you borrow more money. This is partly in response to growing
/ Y" x8 \3 h' Aconcerns about the potential of rising rates. ' ?6 }3 U! \: \/ O% Z2 b* I- i% P
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In an effort to take the focus away from rates, look for two lenders to
( x1 u3 Q6 k% g. x- v' \5 w% Kcome out with 'True Equity' programs that will allow home buyers the
& q2 F/ Z1 }3 j: H6 V4 q# B1 ]. h1 zability to borrow up to 75% of the equity in their homes without having 7 i2 }- B2 V# N0 [5 O/ y1 Q2 G& \
to qualify based on their incomes. These programs were previously only : B/ G+ @+ t6 e. J9 C9 F' C: ]! \
available to self-employed borrowers. Income earners had to either put
1 g* o6 X+ L% b c. H" T. R% A( tmore money down or pay higher rates. This will now be a mortgage based $ g! u( I- i& ?% k X
on the equity and the rates will be fully discounted.
4 ~- {) f; J; A4 PAnother product to keep an eye on is more lenders who will be combining 4 K0 K# Q0 y- J1 p3 G; F7 y
the mortgage with the line of credit and creating a 'Global borrowing 9 C+ k* c( D9 O0 P% g& U
limit' that will be re-advanceable. More and more consumers will be # W t) }2 b% C. q0 b1 V# b0 p
looking for these kind of products for tax planning and investment
* Z* l S0 w; [/ ?! P' Jstrategies. 8 s* g6 d5 ~9 U/ k0 l
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And speaking about investors, banks are starting to recognize the
$ k! M) f7 p( b* D' a- s: [: Ngrowing number of home owners who are buying multiple revenue properties for ) o" s9 z, G! e+ e2 Q. ?' R
investments and we now have an 'Interest-Only' mortgage available for ; t6 J7 l7 J" ]+ s' X% h5 k( I e
self-employed borrowers on a 'Stated-income' basis for revenue
, U6 R4 w/ Z' ?# Q9 i, gproperties. This marks the first time a self-employed individual can use * C$ Q7 z: t( y
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
- w A% r* v! zreflective of a growing trend towards American-Style lending practices. A prime
! `! P9 i2 J. n: X- uexample of an American trend influencing our banks will be longer
9 }6 {; Z! O+ r9 ^4 j N/ o0 zamortization periods. Canada has held tight on 25 year amortizations for
+ }0 h* E4 [+ C& c( Pyears, up until now that is. A few lenders have announced 30 year
/ @$ u* V; \$ d$ A3 h: Damortizations on CMHC insured mortgages at fully discounted interest rates.
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: Y1 D3 I! {7 C: d; VFinally, in an effort to further take your attention away from the long $ s" z }0 P9 x' |0 x- P
term rates, look for lenders to get more creative with the discounts ! a2 t0 i7 D, m& L6 \
they offer on Variable Rate Mortgages. I fully expect to see stronger
! ~2 j1 |4 t6 X- F. Rcompetition in the form of creative 'front-end loaded' discounts and + ]' J7 m* x4 U7 `" [& ]: E) r
teaser rates that make it more confusing to compare an apple to an apple % L: G8 A! u7 ~9 t& }
when shopping for the best mortgage option. It's going to be another busy
* @. |, A: t& o T* Y, F7 [spring market and consumers are going to be faced with more choices
7 n/ b% ^, I, W% O$ k/ ythan ever before. The key, like always, is to get expert advice and E7 o+ `( P7 z, v5 q
remember you have options. |
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发表于 2006-5-7 20:26
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