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原帖由 dgg 于 2006-5-8 10:12 发表% i$ N" N( z2 W0 Y
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# F, a# z9 [4 Y' w) |7 ~! K谢谢，请继续。& T, x0 R- t5 h9 P3 v. N# X- B K+ v
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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.
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9 l9 E% Y1 U* Q0 Y3 s% d6 |Spring Is In The Air! In some markets in Canada it may feel like # h: j+ J. A! y( g2 `7 [
Spring is starting to arrive. Each and every year in late February and
. t. q) r- T; o$ j- I7 a2 mearly March, the banks start rolling out their Spring market campaign of
* E5 I" c( O2 hnew products in an effort to attract new consumers. And, if early signs
- Q/ ?! C/ q, R4 @ b+ Sare any indication, we're poised for yet another busy spring. The banks
+ r1 ?1 w- M. pview this as the best time of year to get your attention by coming up 3 f! Q8 W3 i4 w9 q. w5 o7 @
with new products or simply putting twists on old ideas. 7 j. `. w: D5 H
) [% j$ `& s; IOver the next few weeks we'll see a variety of new products and this
! ]/ X* o- x+ f/ j: _year the early theme I'm seeing is banks getting more creative in an
) H' j8 Z- a# J6 e" B7 b7 Aeffort to help you borrow more money. This is partly in response to growing
, w4 p0 f+ C# }7 K; P( dconcerns about the potential of rising rates. 7 t. p* ?# e% [2 c4 i4 c5 {
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In an effort to take the focus away from rates, look for two lenders to % N0 X" W! @* c
come out with 'True Equity' programs that will allow home buyers the ' n i+ l( r' w
ability to borrow up to 75% of the equity in their homes without having
R" t6 O8 K$ z8 b/ l% z' qto qualify based on their incomes. These programs were previously only / h, L0 g' T4 {) }, ]
available to self-employed borrowers. Income earners had to either put
% d& g# Y. T+ X* O$ M7 wmore money down or pay higher rates. This will now be a mortgage based 3 q: h( c/ B" A% p W( `
on the equity and the rates will be fully discounted.$ e% X2 j. J0 j& s
Another product to keep an eye on is more lenders who will be combining
+ i, ~* Y- J% x8 vthe mortgage with the line of credit and creating a 'Global borrowing . a; {5 \4 } ^% x
limit' that will be re-advanceable. More and more consumers will be
% v$ I( w/ ~1 ^) s) q! @; }' Wlooking for these kind of products for tax planning and investment # w6 p( O1 C$ z- z# \: J
strategies. 9 d( ?5 o- I- g
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And speaking about investors, banks are starting to recognize the $ a7 x( o9 q- l5 Q; T3 r- R
growing number of home owners who are buying multiple revenue properties for : ]% f: K1 `9 [7 b& A5 T2 a
investments and we now have an 'Interest-Only' mortgage available for
" U. F4 J- J z5 kself-employed borrowers on a 'Stated-income' basis for revenue
" w; b1 o2 B0 `0 f& _/ X1 ], \: }- pproperties. This marks the first time a self-employed individual can use
0 e6 ~& k5 X4 l'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is ( h. ~. g8 b! h- m$ y/ V+ V
reflective of a growing trend towards American-Style lending practices. A prime % g( G) M8 g( `# b3 C
example of an American trend influencing our banks will be longer ( Q: K8 ]5 w6 ?: w
amortization periods. Canada has held tight on 25 year amortizations for 4 v& S) {+ R# y5 e9 s5 u
years, up until now that is. A few lenders have announced 30 year
3 Z5 M1 ^/ _) e. |! ~% f0 H4 ^! Pamortizations on CMHC insured mortgages at fully discounted interest rates.. v' j O" ~5 F, l4 }& Y7 g
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Finally, in an effort to further take your attention away from the long
9 [% M" b7 b! E9 _% P |term rates, look for lenders to get more creative with the discounts 5 @0 N3 c8 @0 C% c
they offer on Variable Rate Mortgages. I fully expect to see stronger
0 p: J$ c/ i5 F: t6 Lcompetition in the form of creative 'front-end loaded' discounts and
; D+ S4 p5 G* i8 U$ K% Uteaser rates that make it more confusing to compare an apple to an apple & ]) P$ v5 A: B6 i4 [
when shopping for the best mortgage option. It's going to be another busy 1 G+ Y. E2 `6 ?, W- ]
spring market and consumers are going to be faced with more choices
0 [% i9 O& A. Q1 E7 }+ O- A# \5 gthan ever before. The key, like always, is to get expert advice and 0 Q2 e& Q# M" W3 }
remember you have options. |
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发表于 2006-5-7 20:26
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