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原帖由 dgg 于 2006-5-8 10:12 发表- f& U4 V" f- K1 \/ n/ u" _7 R. s. O: O
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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。
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& U% b0 {! p8 bThe following article is written by Peter Kinch.7 v, z6 I3 g6 P( A, @' X4 N; ?
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Spring Is In The Air! In some markets in Canada it may feel like . v4 w3 O0 K2 c" V+ a
Spring is starting to arrive. Each and every year in late February and $ F% F8 }6 k% _) g# x# g8 k
early March, the banks start rolling out their Spring market campaign of ' E8 e* G8 o9 ?4 _
new products in an effort to attract new consumers. And, if early signs
. h Q5 e. ~3 G7 r qare any indication, we're poised for yet another busy spring. The banks
. R4 x# F4 l' _view this as the best time of year to get your attention by coming up
+ c. v9 e& r; f- V& J' v1 Zwith new products or simply putting twists on old ideas. 5 H8 X8 ?& s; K8 j6 w* U# A
( j; y: b1 R( q9 U. ]2 IOver the next few weeks we'll see a variety of new products and this + x' B3 a* R ?8 |8 w! ~$ }
year the early theme I'm seeing is banks getting more creative in an
4 d6 U3 o# D1 t2 Q- @effort to help you borrow more money. This is partly in response to growing ! |$ @. a1 U z3 i+ z
concerns 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 & j$ J3 L8 i% M
come out with 'True Equity' programs that will allow home buyers the
% @6 m( b0 s$ l% h& vability to borrow up to 75% of the equity in their homes without having + Y, p: k8 D/ S0 x( _5 N
to qualify based on their incomes. These programs were previously only $ }5 S$ j9 S/ f0 s- l. _
available to self-employed borrowers. Income earners had to either put 2 [4 x1 q* ~$ z4 B
more money down or pay higher rates. This will now be a mortgage based
8 c$ Y! K0 R0 M! k( Gon the equity and the rates will be fully discounted.: {: r% |1 `- [- y& b& r
Another product to keep an eye on is more lenders who will be combining
; R }! x+ | _! e. Y$ e! _. athe mortgage with the line of credit and creating a 'Global borrowing
. e# w& p! l: B, r, B3 M- nlimit' that will be re-advanceable. More and more consumers will be
R3 q! r( b2 y( k, C* }looking for these kind of products for tax planning and investment ' }8 e- x7 i+ }
strategies.
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And speaking about investors, banks are starting to recognize the
" x5 R8 a+ B+ u3 Ogrowing number of home owners who are buying multiple revenue properties for
- A! x! U+ q k9 b- R1 F/ Y; @) D; Finvestments and we now have an 'Interest-Only' mortgage available for
9 B; Q5 B( L q! I; k! I( Oself-employed borrowers on a 'Stated-income' basis for revenue 1 W* b, ^2 J* ^0 R5 [$ u2 A3 Y
properties. This marks the first time a self-employed individual can use / c% o( I }2 P* [8 u' V
'stated-income' to qualify for a revenue property. + M1 j( [1 C: _% k
" F+ g0 g1 w9 e, Q3 p5 ~The interest rates will be higher for this product, but it is : L. }8 O0 ?6 F2 j2 T2 p
reflective of a growing trend towards American-Style lending practices. A prime $ F$ I7 `& \2 i& d& J
example of an American trend influencing our banks will be longer
$ A' }, U0 n# ~" z e1 D3 pamortization periods. Canada has held tight on 25 year amortizations for : @; \2 l1 Z5 W% b( P; b
years, up until now that is. A few lenders have announced 30 year ( n7 ?" O0 s2 p
amortizations on CMHC insured mortgages at fully discounted interest rates.! c! I9 u& t) W ~
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Finally, in an effort to further take your attention away from the long ! y* s5 M8 l" V# F+ c
term rates, look for lenders to get more creative with the discounts
8 B& @6 R6 ^6 ]5 v$ bthey offer on Variable Rate Mortgages. I fully expect to see stronger / F1 H7 X4 S$ r1 {2 y, Q; v
competition in the form of creative 'front-end loaded' discounts and % Q( P/ Y* m ]. x" q4 `
teaser rates that make it more confusing to compare an apple to an apple 4 a' M0 L: y. S1 e, k
when shopping for the best mortgage option. It's going to be another busy
- D( \) Y- ]) j2 N+ g7 s" wspring market and consumers are going to be faced with more choices
( w0 d+ c/ m$ ?( L; y; b! W. zthan ever before. The key, like always, is to get expert advice and % _" a/ V8 }" z$ r
remember you have options. |
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发表于 2006-5-7 20:26
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