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原帖由 dgg 于 2006-5-8 10:12 发表* m' u8 l7 G/ g3 j
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& v( T% }( D# x0 g. L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.1 p* H% x- c) F2 z7 b8 {
2 \- A& N! \4 v# o9 D# MSpring Is In The Air! In some markets in Canada it may feel like
B, U; f3 U& J5 YSpring is starting to arrive. Each and every year in late February and
4 @; I3 V( l' m( \# W/ bearly March, the banks start rolling out their Spring market campaign of
' L. p; Z2 h& E1 K9 hnew products in an effort to attract new consumers. And, if early signs 4 [! b1 ]* R6 [: G; t
are any indication, we're poised for yet another busy spring. The banks
7 ?# m' q) Q: p4 A$ l' @( rview this as the best time of year to get your attention by coming up
& M! o) O% `% O2 G- D" U! Bwith new products or simply putting twists on old ideas. " R+ w2 b. @2 j* r1 c
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Over the next few weeks we'll see a variety of new products and this 1 d0 J% c4 x6 W7 L5 M
year the early theme I'm seeing is banks getting more creative in an 3 _! J, ]0 Q2 b" Q. h! M! q
effort to help you borrow more money. This is partly in response to growing 2 A; D1 U5 f5 p( R& z& @
concerns about the potential of rising rates. 0 B# c7 m; t& d7 J
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In an effort to take the focus away from rates, look for two lenders to
' E1 K$ N* l% v5 ucome out with 'True Equity' programs that will allow home buyers the
# ?/ K7 a( [" `! q( ?7 {0 Nability to borrow up to 75% of the equity in their homes without having
2 `1 ] N+ W h9 ^0 Mto qualify based on their incomes. These programs were previously only 7 E& I4 y8 ?6 J5 q
available to self-employed borrowers. Income earners had to either put 8 m# T$ N. t: \9 Y u1 [
more money down or pay higher rates. This will now be a mortgage based ; t4 E3 M9 P B4 X, n2 s
on the equity and the rates will be fully discounted.
6 p& r+ e$ o5 L9 |6 iAnother product to keep an eye on is more lenders who will be combining
5 u* W- w' B2 @; _$ }( Vthe mortgage with the line of credit and creating a 'Global borrowing
6 F Q, h! w7 z9 E9 vlimit' that will be re-advanceable. More and more consumers will be 4 [) u. _* u) d. k" a/ k3 W
looking for these kind of products for tax planning and investment : r+ G; r2 G- P) Y
strategies. ' w3 M6 A9 ]( n
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And speaking about investors, banks are starting to recognize the
; b* k- V8 I% ?$ zgrowing number of home owners who are buying multiple revenue properties for
- A1 F2 M* f' `. s5 {8 finvestments and we now have an 'Interest-Only' mortgage available for
2 L5 V8 q% {3 u9 |+ H+ N/ Fself-employed borrowers on a 'Stated-income' basis for revenue , A3 x+ z4 o) Z) x
properties. This marks the first time a self-employed individual can use
9 q% m4 H/ P% I( s' D. L$ N6 D'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 2 u1 H& f, d+ T% Z4 j
reflective of a growing trend towards American-Style lending practices. A prime
6 A+ w; N; S2 pexample of an American trend influencing our banks will be longer
) X* [1 b6 K8 ?3 Z0 ~8 lamortization periods. Canada has held tight on 25 year amortizations for
2 L3 X& C! h! ]years, up until now that is. A few lenders have announced 30 year % z4 a# n5 a3 E+ O0 Q1 J+ W
amortizations on CMHC insured mortgages at fully discounted interest rates.
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' S! q7 n. ^6 Z9 UFinally, in an effort to further take your attention away from the long
& P9 }+ A' u; u, w. n$ Lterm rates, look for lenders to get more creative with the discounts
8 _! m/ F2 |( ^7 M q" e ythey offer on Variable Rate Mortgages. I fully expect to see stronger ) J. @/ K) e. S9 N( i1 X) Q
competition in the form of creative 'front-end loaded' discounts and - C9 P$ C, Q, z: N/ _( U$ ?1 R; D7 L
teaser rates that make it more confusing to compare an apple to an apple * B/ R* f! e7 a2 S$ J
when shopping for the best mortgage option. It's going to be another busy
3 M/ S, D7 F# T( F. ?spring market and consumers are going to be faced with more choices
1 I! d7 z+ X; h; J2 xthan ever before. The key, like always, is to get expert advice and 4 N+ z4 _. Z& d
remember you have options. |
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发表于 2006-5-7 20:26
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