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原帖由 dgg 于 2006-5-8 10:12 发表/ \, E' Y; @+ e$ Q6 N5 Z
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谢谢，请继续。) r( p5 p2 S" o% {2 y' R" N* \8 y7 r
# j' I/ \9 i, }2 J: u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。
- h: t- y- @) j% q2 _1 G$ hThe following article is written by Peter Kinch.
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" b4 `9 C. Y( YSpring Is In The Air! In some markets in Canada it may feel like / f: m' _5 N4 Q6 V. P
Spring is starting to arrive. Each and every year in late February and 3 h8 ^4 c* x/ s; b4 l' x( t5 {
early March, the banks start rolling out their Spring market campaign of a# |8 `! n0 j* c- S0 n
new products in an effort to attract new consumers. And, if early signs
( t1 S* t; m) Q! [* M7 Oare any indication, we're poised for yet another busy spring. The banks 8 b; O' p! ?2 N9 y
view this as the best time of year to get your attention by coming up $ L9 c; b/ u3 V p* K
with 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
6 V. j. ^2 @! j- g( Vyear the early theme I'm seeing is banks getting more creative in an
9 I+ m0 J; F7 o: Aeffort to help you borrow more money. This is partly in response to growing * q% e) m1 J7 J, j
concerns about the potential of rising rates. % G, g) a4 w$ L' r! k0 L( h
' g" E0 N( y/ N& T- H& t; c8 PIn an effort to take the focus away from rates, look for two lenders to
- o5 s4 N" d2 n. w1 X7 C6 R% Zcome out with 'True Equity' programs that will allow home buyers the 8 R' o# D+ W2 q# S, L' h! L3 `
ability to borrow up to 75% of the equity in their homes without having
2 g! X& t6 f8 P0 Hto qualify based on their incomes. These programs were previously only
- p: u7 @, m5 M4 i0 J$ `4 @8 Javailable to self-employed borrowers. Income earners had to either put 6 o; W7 y3 G! i4 E% F
more money down or pay higher rates. This will now be a mortgage based + Y6 ~8 b+ A0 Y7 k2 I
on the equity and the rates will be fully discounted.
$ s+ b+ l2 U0 ` N$ R; yAnother product to keep an eye on is more lenders who will be combining % _) y# q8 k! ~3 T9 Q( q& {
the mortgage with the line of credit and creating a 'Global borrowing
5 E( x6 u* h1 K+ O# }, R. N/ S( olimit' that will be re-advanceable. More and more consumers will be 4 w7 t& _ c. W$ m8 f
looking for these kind of products for tax planning and investment . V0 E( I# J% {$ D9 l
strategies. 0 \! J4 }1 X& B h4 R* j
6 ]4 r. O9 ?! n! Q; f5 jAnd speaking about investors, banks are starting to recognize the
- Q1 X3 x. V0 \) d8 M, [growing number of home owners who are buying multiple revenue properties for 8 D1 R2 d5 V$ }+ T' x
investments and we now have an 'Interest-Only' mortgage available for ! v4 E4 N z0 X l/ K$ ?; O1 O
self-employed borrowers on a 'Stated-income' basis for revenue
+ u: Y) U6 t# C$ _! l5 x: eproperties. This marks the first time a self-employed individual can use & M) [0 A5 B3 G
'stated-income' to qualify for a revenue property. / v/ L$ R9 u2 T) I: R# A6 i
1 B1 p9 n1 J; `7 AThe interest rates will be higher for this product, but it is " t7 ?- H2 R ~: t0 L1 U0 F
reflective of a growing trend towards American-Style lending practices. A prime : h9 F& @5 ` @4 S- x" b4 g
example of an American trend influencing our banks will be longer
/ z7 E8 m! @5 d! V& W# `1 W7 Mamortization periods. Canada has held tight on 25 year amortizations for
3 a2 A0 i& g u" G, _2 J P0 g! Tyears, up until now that is. A few lenders have announced 30 year
" f9 y/ B: w/ M: ~9 I1 wamortizations on CMHC insured mortgages at fully discounted interest rates.4 W* s) V0 Y" m; V( Y" C
2 r! U& M4 w2 Z( x" `/ WFinally, in an effort to further take your attention away from the long % [2 d- F( D: k) W. h2 t) X
term rates, look for lenders to get more creative with the discounts % I7 i+ f& c+ v% N
they offer on Variable Rate Mortgages. I fully expect to see stronger
0 ~: m: P" u& I, M& R* `) ?( Ecompetition in the form of creative 'front-end loaded' discounts and
) R o- L9 C9 p' k$ m b6 `! jteaser rates that make it more confusing to compare an apple to an apple * B! Q( t2 I- T1 x V% h
when shopping for the best mortgage option. It's going to be another busy
2 ~; G; c5 M& w2 G- w* dspring market and consumers are going to be faced with more choices
% {/ A$ W2 Z n* g+ r/ Jthan ever before. The key, like always, is to get expert advice and 1 V0 g7 o/ ^2 k6 ]2 V! \2 O
remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
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