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原帖由 dgg 于 2006-5-8 10:12 发表2 Y( ?* G/ [2 k& H
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8 a/ B. c' I9 A; U7 `4 ~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。
+ l9 g$ a1 V; l& L, uThe following article is written by Peter Kinch.1 X+ U! Y( M$ I: G0 L" z5 E
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Spring Is In The Air! In some markets in Canada it may feel like
; s( ^7 p% o5 G- ^! l4 `$ pSpring is starting to arrive. Each and every year in late February and
8 m5 N: v2 R9 T, ^/ c; Dearly March, the banks start rolling out their Spring market campaign of $ R# C/ k. a4 o
new products in an effort to attract new consumers. And, if early signs 4 ?1 K& c0 G$ a) D/ U+ c; G6 n
are any indication, we're poised for yet another busy spring. The banks # u: ?( w, T2 p! Z# y# C: O
view this as the best time of year to get your attention by coming up
: h p: D2 p/ s( @' ]) ~- w7 M4 Zwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this 3 n+ J+ s5 \5 n6 `' m
year the early theme I'm seeing is banks getting more creative in an
J$ u% ?* x! t$ @( {# U* z/ Deffort to help you borrow more money. This is partly in response to growing
. |1 p! f( t" t. bconcerns about the potential of rising rates. % t. h2 ~/ w' g- j, B7 @+ U$ E: X
5 B- D' F+ ^8 e( FIn an effort to take the focus away from rates, look for two lenders to 2 y8 n, w0 Y! F
come out with 'True Equity' programs that will allow home buyers the 0 Y7 r# Q1 ~, T5 w4 Y
ability to borrow up to 75% of the equity in their homes without having 7 [! K0 ?6 Q) N4 h2 F# b+ T* L
to qualify based on their incomes. These programs were previously only
! ~2 P0 g" L+ Z' w: k! Mavailable to self-employed borrowers. Income earners had to either put
& X: A. D& O( B% @0 u2 Tmore money down or pay higher rates. This will now be a mortgage based ' x% K* E$ k7 _4 A) S% e
on the equity and the rates will be fully discounted.
# t7 r2 y- |( a# nAnother product to keep an eye on is more lenders who will be combining - j2 |7 J: k' M5 @! ?
the mortgage with the line of credit and creating a 'Global borrowing `0 g3 R& }7 L) M
limit' that will be re-advanceable. More and more consumers will be 0 m& E) r4 n" D# j5 c
looking for these kind of products for tax planning and investment - R1 o5 {2 e; R4 [; |+ P7 r, r; d
strategies.
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And speaking about investors, banks are starting to recognize the . s& g- ?8 R8 w" ]' O7 f7 h) e8 i5 P; i
growing number of home owners who are buying multiple revenue properties for
! x# [4 p# S" {- D( j) dinvestments and we now have an 'Interest-Only' mortgage available for
0 @2 M. N P4 l# N: b2 |( [self-employed borrowers on a 'Stated-income' basis for revenue 8 f `" G- B- \* X# d, @) e/ u) S
properties. This marks the first time a self-employed individual can use 3 B/ U; P4 X+ M+ x2 _0 }/ K* L/ W( [
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
5 }- Q. g, u9 ureflective of a growing trend towards American-Style lending practices. A prime
7 L9 u2 \# _6 k# i7 @8 g* dexample of an American trend influencing our banks will be longer $ C7 j; Q8 O9 `9 ^5 {
amortization periods. Canada has held tight on 25 year amortizations for
* J7 `: j( ~: S2 M( ]2 eyears, up until now that is. A few lenders have announced 30 year 3 {6 s% M4 o6 C$ b1 W7 A
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 - I/ Y8 z) c3 U* ]1 D
term rates, look for lenders to get more creative with the discounts 9 O) Y7 E0 y% g1 C3 V
they offer on Variable Rate Mortgages. I fully expect to see stronger
4 k, k# t8 L7 o9 w/ Ycompetition in the form of creative 'front-end loaded' discounts and
7 q, O' |. h8 xteaser rates that make it more confusing to compare an apple to an apple 1 l5 j2 _& I: F8 p
when shopping for the best mortgage option. It's going to be another busy
2 p0 Q- p- U. d$ G3 uspring market and consumers are going to be faced with more choices
! r% n" g% ^1 a$ T$ Vthan ever before. The key, like always, is to get expert advice and + M" A* O1 o1 o5 J! e
remember you have options. |
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发表于 2006-5-7 20:26
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