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原帖由 dgg 于 2006-5-8 10:12 发表9 b& r5 ^: k" S8 q( k/ g
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" v% b7 O" L" V* y" c: C! d" }谢谢，请继续。# L; k: e5 {0 C, Z
' n2 C8 h+ ~- {$ i9 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。
2 N0 z/ d- Z5 q, }- QThe following article is written by Peter Kinch.+ t4 h! m# i$ u: t1 s8 ?
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Spring Is In The Air! In some markets in Canada it may feel like
) u% ]: | {# M6 Y/ T. VSpring is starting to arrive. Each and every year in late February and
6 O, d4 J& T+ A L9 K, Dearly March, the banks start rolling out their Spring market campaign of
! L2 ~1 t& r0 q2 Knew products in an effort to attract new consumers. And, if early signs $ e+ L* f8 @ I) ?" K \
are any indication, we're poised for yet another busy spring. The banks
& r. _4 y( Z9 I$ d' gview this as the best time of year to get your attention by coming up $ [% [2 `7 n7 @: W3 t" Y
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
' j7 R/ ^. l+ T8 H* V" L# Cyear the early theme I'm seeing is banks getting more creative in an $ B$ v9 ~! [# a" T: P, L
effort to help you borrow more money. This is partly in response to growing 0 l3 c: ]4 o* O- _. f* e6 |+ d' Z+ i1 f
concerns about the potential of rising rates.
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% ^" V5 w5 m$ U" r5 m% gIn an effort to take the focus away from rates, look for two lenders to
5 g$ t$ r4 Z- Q* P& N$ J6 ^6 U+ Kcome out with 'True Equity' programs that will allow home buyers the
% V( F* w+ V j$ V% \4 M2 Hability to borrow up to 75% of the equity in their homes without having
) U# i5 z7 A1 Pto qualify based on their incomes. These programs were previously only 0 T' a8 ^+ Q8 _! @% z- ]9 W
available to self-employed borrowers. Income earners had to either put
* Z* S U% {) k4 u6 ^3 c" Xmore money down or pay higher rates. This will now be a mortgage based
B' M z! s2 Uon the equity and the rates will be fully discounted.6 @ r# s% K# H i1 w. N
Another product to keep an eye on is more lenders who will be combining 5 Z0 l# v6 O# E0 q: Z) }
the mortgage with the line of credit and creating a 'Global borrowing
; q$ {& D! O- T6 i" }+ \+ Wlimit' that will be re-advanceable. More and more consumers will be / n% E- g$ J! Z% |( j$ V" d. C
looking for these kind of products for tax planning and investment , f; @- F9 z4 ]. s) C2 C
strategies. / v2 X* D6 n8 F- o) R9 a& W6 O( B
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And speaking about investors, banks are starting to recognize the
) n4 K7 V2 e' c' I/ f1 \6 Ngrowing number of home owners who are buying multiple revenue properties for
- e5 {+ w' A, Ainvestments and we now have an 'Interest-Only' mortgage available for
Q" C1 v4 k+ Zself-employed borrowers on a 'Stated-income' basis for revenue : t* T6 ] v' {0 g: ^; @
properties. This marks the first time a self-employed individual can use
0 {9 m: u0 L" ^/ v/ J5 T. G'stated-income' to qualify for a revenue property. . x) h! V) p: M) w
3 [$ {1 l# M/ J3 s# w8 @The interest rates will be higher for this product, but it is
3 U V! H" D# P8 M$ T8 \reflective of a growing trend towards American-Style lending practices. A prime
4 Q+ V# R! v9 ?! @example of an American trend influencing our banks will be longer
0 f$ p' ~ x1 B$ kamortization periods. Canada has held tight on 25 year amortizations for
6 K. {. Q) F, R6 {! qyears, up until now that is. A few lenders have announced 30 year , x3 _" @% o$ h: v# q4 b6 Y
amortizations on CMHC insured mortgages at fully discounted interest rates.) E! n y( d: O" }' i& `1 }
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Finally, in an effort to further take your attention away from the long : C2 A( s! U7 k; Q2 `, k) n- M, U
term rates, look for lenders to get more creative with the discounts $ M8 m6 R* k/ h1 {+ S$ t& ]; x
they offer on Variable Rate Mortgages. I fully expect to see stronger
! t- Z& l* E. Q+ A/ x: ?competition in the form of creative 'front-end loaded' discounts and 3 ?) w: S# Y) w% L! u/ a, G- `
teaser rates that make it more confusing to compare an apple to an apple
" | l' b3 q, w* b! {when shopping for the best mortgage option. It's going to be another busy
; G2 Q0 T/ W5 _# [8 Pspring market and consumers are going to be faced with more choices
9 G, q0 `- M v3 Gthan ever before. The key, like always, is to get expert advice and * i9 L+ y5 t9 J( {
remember you have options. |
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发表于 2006-5-7 20:26
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