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原帖由 dgg 于 2006-5-8 10:12 发表0 w# }, u0 f- G' v- D/ K" Q
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谢谢，请继续。- Q; h2 L1 M! }) X5 w* o/ c9 c
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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.; o" z3 e# B$ l3 O$ ~- e2 n
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Spring Is In The Air! In some markets in Canada it may feel like
' v2 Z: c' C: u0 T' GSpring is starting to arrive. Each and every year in late February and
/ R+ m5 m& v8 R( learly March, the banks start rolling out their Spring market campaign of 7 u+ |, N. f- w" g
new products in an effort to attract new consumers. And, if early signs ) d) N; M8 G, h1 `3 O
are any indication, we're poised for yet another busy spring. The banks
' l2 d" F* Y- ]% r( E) iview this as the best time of year to get your attention by coming up
& B0 v# Q+ g+ c$ Hwith new products or simply putting twists on old ideas. + J+ V9 G8 g. u$ _
* C% m2 g) d3 Y3 L! l+ X3 r) R" xOver the next few weeks we'll see a variety of new products and this ' d0 @: R5 U8 x/ H! }8 Q: J, D- S
year the early theme I'm seeing is banks getting more creative in an
% w' m5 ~4 \9 N Qeffort to help you borrow more money. This is partly in response to growing
: r! f! R `1 _* q$ econcerns 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
% P) e' @ m4 n, f9 V- k4 H1 icome out with 'True Equity' programs that will allow home buyers the
" t9 ?' I- T4 e! A, Iability to borrow up to 75% of the equity in their homes without having ( N5 B0 b7 W2 E; Z
to qualify based on their incomes. These programs were previously only / A% s! ], O1 f) Z3 J& n
available to self-employed borrowers. Income earners had to either put $ g/ D% I' T- z6 v/ K O
more money down or pay higher rates. This will now be a mortgage based
+ _+ L+ I& G" x. non the equity and the rates will be fully discounted.
( T% _( M2 q* K" jAnother product to keep an eye on is more lenders who will be combining
$ Q# b- d" S5 |$ x" n+ O% ^the mortgage with the line of credit and creating a 'Global borrowing
9 u D+ m0 t8 ]* {limit' that will be re-advanceable. More and more consumers will be
+ M9 m/ G( w2 _looking for these kind of products for tax planning and investment
3 b# G$ T5 w/ vstrategies.
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And speaking about investors, banks are starting to recognize the 6 n5 N0 g) V8 R% Z1 b* Q
growing number of home owners who are buying multiple revenue properties for
3 r0 g5 U, f* v" {* A. E$ ~* Zinvestments and we now have an 'Interest-Only' mortgage available for - P. c" @9 y5 H. y0 i
self-employed borrowers on a 'Stated-income' basis for revenue
* a6 H+ @: v1 Y) N) T/ `properties. This marks the first time a self-employed individual can use
# G) V u0 ?. f. j+ ]4 B2 J7 m; _'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is / Z7 q# M9 O6 K3 [7 ]% }* K
reflective of a growing trend towards American-Style lending practices. A prime " R+ z8 k& T; d, o
example of an American trend influencing our banks will be longer 5 e( ?' ~1 c/ a( B1 h$ }
amortization periods. Canada has held tight on 25 year amortizations for
5 J# Y9 [3 A* g& @! ~years, up until now that is. A few lenders have announced 30 year / n. C5 ~, p F. h
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 % `; A' R, w3 c
term rates, look for lenders to get more creative with the discounts
9 J5 z' g2 n* `: g& h8 _# p* mthey offer on Variable Rate Mortgages. I fully expect to see stronger ) u& j5 N7 W! y" a
competition in the form of creative 'front-end loaded' discounts and
- y/ B( X3 m- lteaser rates that make it more confusing to compare an apple to an apple
1 \- {% o/ ?0 F; u8 D. J$ ?+ Q, X- [; F/ ?when shopping for the best mortgage option. It's going to be another busy
! X" f% F8 o( ]/ lspring market and consumers are going to be faced with more choices 2 t! S6 p) ?- \ A" c; G
than ever before. The key, like always, is to get expert advice and / c% G/ E$ p6 B$ V( C, `* {$ h
remember you have options. |
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发表于 2006-5-7 20:26
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