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原帖由 dgg 于 2006-5-8 10:12 发表$ l% q; O$ ~3 }3 `) S" Z0 g3 ?) Y2 T
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5 }8 P" b( _0 U6 ~; Z8 Q谢谢，请继续。
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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.8 e% d! O* F( E6 n- X. \8 L
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Spring Is In The Air! In some markets in Canada it may feel like 4 U% ?1 N* W& W- k/ ?) R
Spring is starting to arrive. Each and every year in late February and
. C3 e* O- r d6 Searly March, the banks start rolling out their Spring market campaign of
! h3 _/ _- ^8 d, I5 n) u. enew products in an effort to attract new consumers. And, if early signs - p* {/ f) ~( p/ L' `
are any indication, we're poised for yet another busy spring. The banks ' s! z) B' @3 B2 k3 J. t4 H0 @
view this as the best time of year to get your attention by coming up ' k1 `! ?/ E- l3 A# B
with new products or simply putting twists on old ideas. 2 f2 O2 I: v- q
* ^' w' ]0 H5 X9 E; lOver the next few weeks we'll see a variety of new products and this - W, o! |5 Y* R( [1 T9 b
year the early theme I'm seeing is banks getting more creative in an
' q$ _& _" m; ]# y/ R& ^/ yeffort to help you borrow more money. This is partly in response to growing 0 C5 i L$ y3 l! @4 m
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
& t/ Y$ s- }" i4 p& a% }4 qcome out with 'True Equity' programs that will allow home buyers the
& P9 o% i) L& Y6 N# M5 zability to borrow up to 75% of the equity in their homes without having
# w$ m% J1 ^" f' W4 P" G0 c. rto qualify based on their incomes. These programs were previously only ! j( N/ f& U7 M3 \
available to self-employed borrowers. Income earners had to either put , j; V6 |2 q% X& ^: E7 L1 ]. _
more money down or pay higher rates. This will now be a mortgage based . g" d' d# i0 g
on the equity and the rates will be fully discounted. }- s9 b% r6 `; f0 c
Another product to keep an eye on is more lenders who will be combining ) d4 ?% X+ x8 F- x$ h
the mortgage with the line of credit and creating a 'Global borrowing
" u$ i. Y( X$ U! E2 o, j% llimit' that will be re-advanceable. More and more consumers will be ( g z! b0 k$ ]1 S1 [3 k* U
looking for these kind of products for tax planning and investment $ s( ~9 u- ~1 M3 s+ O
strategies. $ v% Q. }" ~8 ]/ W1 Q$ P2 S Z
% ^/ Y+ p6 B% tAnd speaking about investors, banks are starting to recognize the / }! f5 X/ }" C2 h; j: i
growing number of home owners who are buying multiple revenue properties for
! k+ ~& A9 j* \* u# q4 T; k. N% finvestments and we now have an 'Interest-Only' mortgage available for 0 l2 d9 D9 B" z
self-employed borrowers on a 'Stated-income' basis for revenue
# U$ p& h- P2 D6 N" U9 Hproperties. This marks the first time a self-employed individual can use - [& T4 i! D/ m8 [; j* \# v
'stated-income' to qualify for a revenue property.
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' U, l+ t/ i3 C D& [. w6 `9 FThe interest rates will be higher for this product, but it is 7 d! i0 X+ p) }; S
reflective of a growing trend towards American-Style lending practices. A prime 1 T L" |9 Y2 n- |; l' T% v
example of an American trend influencing our banks will be longer
& L- T& [+ O5 H5 O& Uamortization periods. Canada has held tight on 25 year amortizations for 9 p# G6 O4 v! q5 D$ M2 R
years, up until now that is. A few lenders have announced 30 year
2 b4 ], C+ G8 a5 gamortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
1 E# H. B: \+ ^! B; {5 b2 zterm rates, look for lenders to get more creative with the discounts
8 A3 I8 I, e/ p+ N7 H* Dthey offer on Variable Rate Mortgages. I fully expect to see stronger
! w* S' V8 J, R9 mcompetition in the form of creative 'front-end loaded' discounts and
2 u! M1 B2 m+ w9 Fteaser rates that make it more confusing to compare an apple to an apple
: k3 k4 Z( T, N; p& N6 twhen shopping for the best mortgage option. It's going to be another busy
6 A) P8 h# l8 _& ?/ I# Sspring market and consumers are going to be faced with more choices 1 y. v# q2 m0 h- ^7 A5 J9 k8 o3 C
than ever before. The key, like always, is to get expert advice and 8 _# g3 S) O8 y, R# R* `" Y
remember you have options. |
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发表于 2006-5-7 20:26
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