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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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/ j( ?/ q) ^# m- C. [% o/ z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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; ] c* e7 K: m0 x3 y2 v3 @The following article is written by Peter Kinch.4 J7 I, \ f- f2 t1 {
- ^; q9 T5 `. ~* @5 a4 k0 u2 ^. LSpring Is In The Air! In some markets in Canada it may feel like
; z( _% L0 A2 A" ~7 o7 NSpring is starting to arrive. Each and every year in late February and / V$ p# l# P! o! W! ^: ~% y
early March, the banks start rolling out their Spring market campaign of 0 D6 v4 v/ I% h; M( L, p8 M
new products in an effort to attract new consumers. And, if early signs
4 ~+ ~' D( p2 M9 L) mare any indication, we're poised for yet another busy spring. The banks ) ^0 D$ b5 L* D2 w. Y4 m
view this as the best time of year to get your attention by coming up * W) e! ?3 B x1 f$ [
with new products or simply putting twists on old ideas. 0 K; h! M$ y+ _
8 p/ O, C' I7 k3 e6 COver the next few weeks we'll see a variety of new products and this 5 b4 t) |. b% B0 j
year the early theme I'm seeing is banks getting more creative in an 7 c$ E) m0 \: K0 f# U$ {$ E5 s
effort to help you borrow more money. This is partly in response to growing
) J6 h; x6 z m$ lconcerns about the potential of rising rates.
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" E d9 o* y, o: OIn an effort to take the focus away from rates, look for two lenders to $ r) \) }% f' ^$ u
come out with 'True Equity' programs that will allow home buyers the 8 K9 S. Q+ S# U- }
ability to borrow up to 75% of the equity in their homes without having
! Z+ T+ O: }5 `% [8 p+ ^to qualify based on their incomes. These programs were previously only 1 F" S6 J- p5 y1 i- z
available to self-employed borrowers. Income earners had to either put ; }; h" K$ F- [, I
more money down or pay higher rates. This will now be a mortgage based
: M {" P6 F$ _ |0 K; @! z [on the equity and the rates will be fully discounted.
9 H% V" M* h. d/ {' c a `% E1 g7 u. h2 JAnother product to keep an eye on is more lenders who will be combining ' l+ n1 a( g4 J/ E
the mortgage with the line of credit and creating a 'Global borrowing : B0 H) ^: d3 N# O' ^9 S& a) l
limit' that will be re-advanceable. More and more consumers will be 4 h, a2 I3 r9 C3 e8 a! z5 G( Q
looking for these kind of products for tax planning and investment 5 ^+ _5 j; W7 ^7 m& ^
strategies.
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1 d7 n5 a" c y' N, h" q; h5 `And speaking about investors, banks are starting to recognize the / t! q: w, d! ?3 a8 Q. |/ ]
growing number of home owners who are buying multiple revenue properties for
0 |$ [: C9 v/ p" e5 Qinvestments and we now have an 'Interest-Only' mortgage available for 0 x1 A1 a A4 |- p% E
self-employed borrowers on a 'Stated-income' basis for revenue
+ }5 f. t* G4 d w& \properties. This marks the first time a self-employed individual can use - B; }, N9 s X7 H. v
'stated-income' to qualify for a revenue property.
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8 i! r" E# K8 ]; R* m8 r! iThe interest rates will be higher for this product, but it is
9 @. R* F, j" e# M" K' breflective of a growing trend towards American-Style lending practices. A prime
6 k# k9 U) @5 x+ U9 zexample of an American trend influencing our banks will be longer
: k( b+ n4 k3 ^amortization periods. Canada has held tight on 25 year amortizations for ) {. a: n2 P6 [' @* j
years, up until now that is. A few lenders have announced 30 year . r' G% y7 r6 o& ]- V( D
amortizations 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 ! r! U4 v+ @$ V( [; S* t C- ^9 k! R
term rates, look for lenders to get more creative with the discounts 3 Y: [1 i: N2 H; }( N6 i0 h* \
they offer on Variable Rate Mortgages. I fully expect to see stronger ! H' O) P( s D4 m( H
competition in the form of creative 'front-end loaded' discounts and
6 V; h/ F+ b# bteaser rates that make it more confusing to compare an apple to an apple % u4 j. T" g: A
when shopping for the best mortgage option. It's going to be another busy ' V' G" J( J5 F6 Q; m9 d# |
spring market and consumers are going to be faced with more choices ; j5 z1 K {! M3 q7 }
than ever before. The key, like always, is to get expert advice and " [+ Q" Q& B/ f3 W5 b8 Y: N
remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
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