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原帖由 dgg 于 2006-5-8 10:12 发表6 U2 Z* G; S: [9 p i9 r, h
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/ e6 s3 V: ~/ S; h/ N k! x谢谢，请继续。
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7 Z" q( J5 }, [9 r7 r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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3 ^, [( b7 X" H; V5 Z5 NSpring Is In The Air! In some markets in Canada it may feel like % y) [* X. T) R2 E" M
Spring is starting to arrive. Each and every year in late February and
0 B7 T& {: w/ p, Learly March, the banks start rolling out their Spring market campaign of
- @& n2 ]6 o& H+ Cnew products in an effort to attract new consumers. And, if early signs % n1 ~+ H9 Z2 L4 c
are any indication, we're poised for yet another busy spring. The banks
8 P1 k$ y3 T, { T& |! i: s* Dview this as the best time of year to get your attention by coming up ( F% y' g" g) `1 t* S/ v! D
with new products or simply putting twists on old ideas. ) ?" I( L1 T7 P% c
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Over the next few weeks we'll see a variety of new products and this
# j" S, J! l# S; z4 Myear the early theme I'm seeing is banks getting more creative in an ; V, \- G3 e* Q3 h1 r8 O8 Y
effort to help you borrow more money. This is partly in response to growing
- E Y# i0 B( {concerns about the potential of rising rates. - r1 f" y0 h. B, ~ B# F
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In an effort to take the focus away from rates, look for two lenders to
) V% Z H9 o$ h+ ^come out with 'True Equity' programs that will allow home buyers the ! J0 b, F- h* b2 C) d7 R: q( W
ability to borrow up to 75% of the equity in their homes without having ! _8 Q8 i6 t/ x: l5 `0 ~( D
to qualify based on their incomes. These programs were previously only 3 e3 R5 z" J- A( _6 B/ `/ H
available to self-employed borrowers. Income earners had to either put 4 F# G h3 [3 v) P0 e% H% z% z) p
more money down or pay higher rates. This will now be a mortgage based
u: n- Q* w* ?/ h) m1 Lon the equity and the rates will be fully discounted.
7 L5 b/ I$ z/ h6 l; K& s7 ^Another product to keep an eye on is more lenders who will be combining 1 X( L5 V6 Z: K3 O/ y+ _6 ~/ j
the mortgage with the line of credit and creating a 'Global borrowing * `- l0 J" |5 ^! Z/ H2 N# O
limit' that will be re-advanceable. More and more consumers will be - D0 Y6 S+ D1 o0 h+ G
looking for these kind of products for tax planning and investment 1 r8 Y6 I5 x* ^0 K7 J% g2 \3 Q
strategies.
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. m g) V! E+ [2 }% |& ~9 CAnd speaking about investors, banks are starting to recognize the
8 \7 I0 [/ F7 k! c9 h6 Ggrowing number of home owners who are buying multiple revenue properties for
8 X G6 |* i& x! e7 Q K2 ]investments and we now have an 'Interest-Only' mortgage available for
: p3 E1 h+ J" b: q+ E7 M( j$ R4 Nself-employed borrowers on a 'Stated-income' basis for revenue 6 V. Y \* w" R# N6 q2 L
properties. This marks the first time a self-employed individual can use 8 Q) a8 J6 f* s, `, t6 ~. L# o, q
'stated-income' to qualify for a revenue property. $ z5 x# U) Q, h0 v8 u: G+ l
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The interest rates will be higher for this product, but it is
- Q$ n: N" D9 f! d# C5 nreflective of a growing trend towards American-Style lending practices. A prime
, o) L% s6 q4 }example of an American trend influencing our banks will be longer
! v" I: U3 @8 M' [. [5 n( L$ \7 lamortization periods. Canada has held tight on 25 year amortizations for 7 N; J. T! h s3 q, q c1 i. s ~
years, up until now that is. A few lenders have announced 30 year
' f3 t* O" M3 e8 O9 d) P8 v iamortizations on CMHC insured mortgages at fully discounted interest rates.4 H* f2 h% g {2 ]
- I" O- j& h! N$ j: f& KFinally, in an effort to further take your attention away from the long
: A, ^ a z c. Q2 y' Jterm rates, look for lenders to get more creative with the discounts
& W6 [2 k; U7 L0 hthey offer on Variable Rate Mortgages. I fully expect to see stronger
9 `& y$ W: l* c2 X5 d+ a, X. Zcompetition in the form of creative 'front-end loaded' discounts and 2 L( k( S+ J' @$ c1 \
teaser rates that make it more confusing to compare an apple to an apple
; x4 ]3 h8 q/ O8 l+ e/ M iwhen shopping for the best mortgage option. It's going to be another busy & A6 s9 \* W* f- t1 u! w
spring market and consumers are going to be faced with more choices 2 N' `, y/ t& h# u0 `
than ever before. The key, like always, is to get expert advice and 6 p! Q0 ?- A5 \0 B5 l" w) \
remember you have options. |
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