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原帖由 dgg 于 2006-5-8 10:12 发表- X* d) m4 j) F' I3 N( t" h: I( a
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谢谢，请继续。
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# c& b3 F6 ~0 E! z/ {" o6 @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。
# P [1 m7 c4 H2 P7 VThe following article is written by Peter Kinch.
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! Y1 j0 R; A4 ?* U" kSpring Is In The Air! In some markets in Canada it may feel like $ [" K/ ~, `) O* ~
Spring is starting to arrive. Each and every year in late February and
) R, H2 e$ V A( xearly March, the banks start rolling out their Spring market campaign of + _& x9 f% C/ d. g; G( B9 o$ C7 t
new products in an effort to attract new consumers. And, if early signs 6 a, r8 m$ P' x) \! X' o' ] u
are any indication, we're poised for yet another busy spring. The banks % F( S) ~; ^* |5 @7 @; w: m/ I
view this as the best time of year to get your attention by coming up
2 u4 o- n3 G. |1 s: q% U5 \/ rwith new products or simply putting twists on old ideas. ( t0 e; u7 n) G
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Over the next few weeks we'll see a variety of new products and this - }0 v G* E2 m% N- x, \$ b, H
year the early theme I'm seeing is banks getting more creative in an / T/ {) [1 u) ^0 G/ r" g, Z
effort to help you borrow more money. This is partly in response to growing
- ]- r$ ^$ I- P6 T( b' T! Z+ vconcerns about the potential of rising rates. ; x4 |5 ?6 g, F m( @( N$ M1 {
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In an effort to take the focus away from rates, look for two lenders to
' P6 D6 a/ O: p6 p/ Scome out with 'True Equity' programs that will allow home buyers the
$ L/ @2 U7 g# N$ F m9 V5 zability to borrow up to 75% of the equity in their homes without having 6 W0 B' _: p1 ~% h9 _
to qualify based on their incomes. These programs were previously only
" C7 e- h! ?$ U" X( \9 Navailable to self-employed borrowers. Income earners had to either put
$ Y/ O/ A* N4 ?4 f0 Y5 m& S# amore money down or pay higher rates. This will now be a mortgage based $ A. F1 l1 ^' z5 C9 ~
on the equity and the rates will be fully discounted.
: ?( k, \, b7 m& Z1 T8 iAnother product to keep an eye on is more lenders who will be combining 1 X' y: ~( j1 a3 D# s
the mortgage with the line of credit and creating a 'Global borrowing
# Y4 f2 \+ ]+ p: ^2 [limit' that will be re-advanceable. More and more consumers will be + d d* h$ l3 i- J) K' `& p* O
looking for these kind of products for tax planning and investment 8 c4 T) k& L$ W5 X: U8 \
strategies. % q( E3 C Q0 y5 d- u
0 V! x5 j0 l5 \. S. kAnd speaking about investors, banks are starting to recognize the ) Q6 P. [' Z; ]( u0 j* G
growing number of home owners who are buying multiple revenue properties for * t" @* F A. j! x" P! |9 p
investments and we now have an 'Interest-Only' mortgage available for
- V7 ^3 P8 Z: b1 z& C! D4 v/ [self-employed borrowers on a 'Stated-income' basis for revenue + p& W' k& V( u* n
properties. This marks the first time a self-employed individual can use : K v$ P/ z- m# g: @$ N, Q
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 9 c+ c: {( n$ n; m1 C. |
reflective of a growing trend towards American-Style lending practices. A prime
. Z# r3 Q' T. d6 q9 G6 nexample of an American trend influencing our banks will be longer
; q$ z# B7 \* [; U; @ v- \amortization periods. Canada has held tight on 25 year amortizations for 6 p J3 ~6 @, v7 D( p
years, up until now that is. A few lenders have announced 30 year
7 |2 _8 O, N" }; A% pamortizations 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
$ ^; s) x, q3 C7 H1 @term rates, look for lenders to get more creative with the discounts
; N9 O. O O6 |- R) }1 v# Nthey offer on Variable Rate Mortgages. I fully expect to see stronger
3 e% w( ?; |) H; ocompetition in the form of creative 'front-end loaded' discounts and
3 ?5 F; f$ h! }9 Tteaser rates that make it more confusing to compare an apple to an apple
: h4 v: _4 a6 x0 G% D) Ewhen shopping for the best mortgage option. It's going to be another busy
* s Q7 s5 H4 C$ t0 Y1 bspring market and consumers are going to be faced with more choices 5 F& c B7 ]. c; Q) v) Y9 h
than ever before. The key, like always, is to get expert advice and
) ^2 ~! e& D; N! n/ P; t% bremember you have options. |
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发表于 2006-5-7 20:26
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