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原帖由 dgg 于 2006-5-8 10:12 发表
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z6 P$ I8 i8 i7 M+ Q1 s2 P谢谢，请继续。
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% A( i; r( U( b' y* o* X% t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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6 s3 a# \+ z) QThe following article is written by Peter Kinch.
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2 F; J$ V0 O! ZSpring Is In The Air! In some markets in Canada it may feel like : J' |2 p" Z/ B4 |9 ~% \
Spring is starting to arrive. Each and every year in late February and 1 k& {0 ^( a3 J F0 A& ]/ R" N
early March, the banks start rolling out their Spring market campaign of
R3 Y$ l- e8 \! Anew products in an effort to attract new consumers. And, if early signs
- c) O4 n8 F1 g! care any indication, we're poised for yet another busy spring. The banks 8 |; s6 ]" V# B c2 w- p* V
view this as the best time of year to get your attention by coming up
: Q8 K$ P& x+ d8 [' j& ^* Y# wwith new products or simply putting twists on old ideas.
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- p/ v% @- h2 [ z ^4 x/ wOver the next few weeks we'll see a variety of new products and this & N: I8 U, E- y. S: q8 F
year the early theme I'm seeing is banks getting more creative in an
1 o/ I2 l; @0 F, Q" f# feffort to help you borrow more money. This is partly in response to growing
1 m/ C4 V8 w1 L; v( o/ _! xconcerns about the potential of rising rates. 5 L2 |$ E# L$ ]( x' F! }4 r2 D) A0 i$ ?
7 I- y. P2 R4 C( e' M1 z; e' |In an effort to take the focus away from rates, look for two lenders to
- I9 `: |) ~. H" j# h) s2 S! y/ {% Bcome out with 'True Equity' programs that will allow home buyers the 3 [& `3 P8 Y; ]) W! z
ability to borrow up to 75% of the equity in their homes without having 1 P5 S I( M) N, {" `
to qualify based on their incomes. These programs were previously only 7 u( V: I" g5 X! a( C# R
available to self-employed borrowers. Income earners had to either put
+ ~7 T2 ?5 N9 I% `more money down or pay higher rates. This will now be a mortgage based
9 J) r' C: X- Q- z" e$ Gon the equity and the rates will be fully discounted.
- `3 {& ]( n! ?" u0 R1 {# PAnother product to keep an eye on is more lenders who will be combining
+ J* f4 ~7 O2 P; M% @7 h Dthe mortgage with the line of credit and creating a 'Global borrowing / N+ m2 s, I5 L3 y# V
limit' that will be re-advanceable. More and more consumers will be " _# s! @/ N/ ^5 K: d
looking for these kind of products for tax planning and investment / }$ w# u3 l9 \1 ?/ L0 p/ a
strategies. + L E9 Q5 {- B* r3 T9 W) B6 f: M
1 K' |* w2 g+ G' ]And speaking about investors, banks are starting to recognize the 3 T: @' \+ L+ \7 a) \: l+ X# p; K- v
growing number of home owners who are buying multiple revenue properties for 6 g7 ~! K7 I% S3 P5 c
investments and we now have an 'Interest-Only' mortgage available for 4 l8 \9 J( k! l6 h- R
self-employed borrowers on a 'Stated-income' basis for revenue , c8 ?5 k" w3 V" P' }5 r% e4 i
properties. This marks the first time a self-employed individual can use ! t C- I$ }# y9 e7 E; C) B
'stated-income' to qualify for a revenue property. : p0 t6 _1 _- g# |
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The interest rates will be higher for this product, but it is 6 }, j) f0 }, p7 Z$ M
reflective of a growing trend towards American-Style lending practices. A prime 0 h$ k1 T0 i+ q5 z( }' b
example of an American trend influencing our banks will be longer
: b$ f9 e" F# m+ Z. x$ Q/ Jamortization periods. Canada has held tight on 25 year amortizations for
% }+ z3 l: t' r4 j* U8 Z& Syears, up until now that is. A few lenders have announced 30 year
, ?! B" v7 ~' I- F% e& o# a2 @amortizations on CMHC insured mortgages at fully discounted interest rates." ?7 [4 E8 z" [+ X* q' |
- t) K/ N0 ~' A9 i& }3 C! fFinally, in an effort to further take your attention away from the long ( E- d: h+ z' o
term rates, look for lenders to get more creative with the discounts
' ^" C$ f$ R; Lthey offer on Variable Rate Mortgages. I fully expect to see stronger 8 r4 Z2 u% Y9 y R. T
competition in the form of creative 'front-end loaded' discounts and
- G- f ]2 ]- k3 K' W0 Hteaser rates that make it more confusing to compare an apple to an apple
+ ]1 X. n2 R7 K5 C& N3 Twhen shopping for the best mortgage option. It's going to be another busy 3 ~2 z1 f* r& a- l( J2 f8 L
spring market and consumers are going to be faced with more choices " {, T* E8 e5 I3 E, u
than ever before. The key, like always, is to get expert advice and 5 A! B( T$ {+ G7 T( e
remember you have options. |
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