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原帖由 dgg 于 2006-5-8 10:12 发表$ _# D6 |: n( _- J1 ?* C
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谢谢，请继续。7 S9 c$ L- k1 k
$ q! `4 O& }. l* e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。
+ t4 c& o. k6 _2 Z! X. ZThe following article is written by Peter Kinch.4 V' i. v( B# f I: K6 h
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Spring Is In The Air! In some markets in Canada it may feel like
; D5 T' r& _; z1 |Spring is starting to arrive. Each and every year in late February and ! }1 \& U9 l3 ~7 |1 R, ?* n
early March, the banks start rolling out their Spring market campaign of
- g% |7 b% l/ c( m: Vnew products in an effort to attract new consumers. And, if early signs
" F: A9 v- k, n/ s( x, q$ ware any indication, we're poised for yet another busy spring. The banks # s5 Y9 e" b1 p9 V* a0 |! r) Z
view this as the best time of year to get your attention by coming up
& l* Y4 X( S: d7 G2 K i! Owith new products or simply putting twists on old ideas. : l+ D7 |/ v5 _- Q' e& a. x
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Over the next few weeks we'll see a variety of new products and this z1 h% z0 }7 W3 `& H
year the early theme I'm seeing is banks getting more creative in an
8 t2 S3 t; {! Z0 s ]4 @effort to help you borrow more money. This is partly in response to growing 1 o" u3 s: j0 l7 ^& U+ ^& Q; L2 G9 R
concerns about the potential of rising rates. . a0 d- B. o$ P' c* E* ]& l
* a: V$ J& m7 s2 ~" DIn an effort to take the focus away from rates, look for two lenders to % t, \3 }; k9 a/ i. M
come out with 'True Equity' programs that will allow home buyers the 6 S9 m" d. _) {4 j( \1 ?
ability to borrow up to 75% of the equity in their homes without having 6 L1 j w1 P# R
to qualify based on their incomes. These programs were previously only 5 s3 T# k$ o h. Y
available to self-employed borrowers. Income earners had to either put
9 F( o S& Q6 c: d" mmore money down or pay higher rates. This will now be a mortgage based
. K7 J {5 C3 X8 e) Y4 T! M& P y8 Qon the equity and the rates will be fully discounted.
0 V# K0 x; ^0 S, r1 X. N! pAnother product to keep an eye on is more lenders who will be combining 9 ~; B0 B8 @6 B' a. a; N$ `5 k! k
the mortgage with the line of credit and creating a 'Global borrowing " H2 \4 P: g [3 c- [, I5 L7 `/ B
limit' that will be re-advanceable. More and more consumers will be
6 T9 ?- t! F1 g6 Y# Blooking for these kind of products for tax planning and investment $ O% p3 J! i! _! ^
strategies.
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And speaking about investors, banks are starting to recognize the / ~0 K2 ]! Q2 j6 [
growing number of home owners who are buying multiple revenue properties for
& _* `3 f# ^9 M3 P$ e9 Ninvestments and we now have an 'Interest-Only' mortgage available for ! v/ o$ Y& @3 F O0 D( X
self-employed borrowers on a 'Stated-income' basis for revenue * q( f! F3 W) c0 A4 t6 O4 P" z
properties. This marks the first time a self-employed individual can use
5 W4 `! ^9 u9 J1 S6 a+ ['stated-income' to qualify for a revenue property.
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# a" D8 h3 A6 j9 }' b6 n" lThe interest rates will be higher for this product, but it is
9 b) \# Z2 }2 |+ ~+ W ~reflective of a growing trend towards American-Style lending practices. A prime - M3 i8 k7 G$ _, }( a
example of an American trend influencing our banks will be longer 9 i8 B: ~: n I8 H. J. W
amortization periods. Canada has held tight on 25 year amortizations for
0 r, p( k- P6 g3 m vyears, up until now that is. A few lenders have announced 30 year ! K+ M" r. ?- ?4 w9 j* D0 p
amortizations on CMHC insured mortgages at fully discounted interest rates.( ~, }! \0 U* d
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Finally, in an effort to further take your attention away from the long
8 `7 F9 i0 D4 Sterm rates, look for lenders to get more creative with the discounts + Z) [% {% o! B: e4 ^
they offer on Variable Rate Mortgages. I fully expect to see stronger
* t/ W% [2 F2 r9 J3 Rcompetition in the form of creative 'front-end loaded' discounts and
% R3 D" k5 O) K+ [ y8 Oteaser rates that make it more confusing to compare an apple to an apple : n; Q1 ?. J3 C3 q' [8 v& K3 {+ `
when shopping for the best mortgage option. It's going to be another busy
1 X- {& {+ N0 V% u, L( q4 T9 Wspring market and consumers are going to be faced with more choices
0 k4 T( H4 M1 ~+ ]than ever before. The key, like always, is to get expert advice and
# J' @( N: E+ _4 Q1 _remember you have options. |
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发表于 2006-5-7 20:26
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