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原帖由 dgg 于 2006-5-8 10:12 发表2 W0 r! x+ z" c1 h
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8 j! i0 O8 a0 F) p* W5 v谢谢，请继续。- i( f/ s. r, i, F
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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./ `% u4 p$ P# e3 Y
6 \/ r6 p# l9 @ ?, pSpring Is In The Air! In some markets in Canada it may feel like
7 ?9 z2 ]9 ?! |& B, p' jSpring is starting to arrive. Each and every year in late February and
5 L" c2 f' q. i- V( ]6 H$ b, Searly March, the banks start rolling out their Spring market campaign of 9 n. `! t; B: t0 I3 @9 n0 G3 N
new products in an effort to attract new consumers. And, if early signs
& ]2 ^ e. J9 ]) n( |, S6 care any indication, we're poised for yet another busy spring. The banks
1 D9 G# ~6 h9 t c4 Aview this as the best time of year to get your attention by coming up
8 A: I9 F2 g0 p+ ]$ D! rwith new products or simply putting twists on old ideas. / ~! Q6 A) H: E; y' @; o% n0 v
' W: M5 G4 ]; L7 P* v+ F' \Over the next few weeks we'll see a variety of new products and this
. [( e+ `7 `- U9 h; N. {year the early theme I'm seeing is banks getting more creative in an - P0 O6 b/ Y' F6 f( z! P. A3 |
effort to help you borrow more money. This is partly in response to growing / A- g) ]9 w6 V% E t% n
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 " j6 o, w: Q8 l# g9 Q
come out with 'True Equity' programs that will allow home buyers the
: G' |4 x: R2 v" fability to borrow up to 75% of the equity in their homes without having
4 s: E6 r0 X& _3 Y, o" N9 ito qualify based on their incomes. These programs were previously only / F" @. z/ r8 y; B) C1 P; S; |
available to self-employed borrowers. Income earners had to either put
* A/ d/ p# e% b4 O4 W0 L# t X, cmore money down or pay higher rates. This will now be a mortgage based
% m8 f+ v" c9 m- Non the equity and the rates will be fully discounted.$ s: w$ ?" N2 z0 H% D, v& k- v; C
Another product to keep an eye on is more lenders who will be combining
7 H- n: y# u( D( n$ bthe mortgage with the line of credit and creating a 'Global borrowing 3 ^1 |: i. }* H X- }
limit' that will be re-advanceable. More and more consumers will be
$ @6 G' u! i: p3 v) J9 Elooking for these kind of products for tax planning and investment
+ J7 p$ T- a9 ?strategies. 5 x: V7 a) g g* ^6 V- w% b o3 P
) N6 x3 v' n% ^0 }, Y# wAnd speaking about investors, banks are starting to recognize the
5 [4 L% n+ t) O, ?/ E) s) q( l9 ugrowing number of home owners who are buying multiple revenue properties for ' [- o$ G: P- q- J5 d( q0 n& v/ d* g
investments and we now have an 'Interest-Only' mortgage available for
* l) W* G2 a E' h2 lself-employed borrowers on a 'Stated-income' basis for revenue
* P2 ?7 f4 v' h* `3 ?! ?$ L, Eproperties. This marks the first time a self-employed individual can use 7 v7 S' h: Y9 ^" i% E
'stated-income' to qualify for a revenue property. 0 c" L1 \$ @2 L. z9 j
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The interest rates will be higher for this product, but it is
! O* Q4 X+ |8 creflective of a growing trend towards American-Style lending practices. A prime $ O2 k1 q$ M+ |/ n R% x1 p2 y- O
example of an American trend influencing our banks will be longer : r( G8 t, t) P9 W
amortization periods. Canada has held tight on 25 year amortizations for 8 n- B [; [: }, I3 h/ P: y
years, up until now that is. A few lenders have announced 30 year
: w* W+ X% C; o( Y# Samortizations on CMHC insured mortgages at fully discounted interest rates.0 x1 {- `6 a" M. k5 P
6 D* e- _/ `; V2 g3 a2 qFinally, in an effort to further take your attention away from the long
" R4 q# j e3 q2 f% W. \. i" Iterm rates, look for lenders to get more creative with the discounts % `, r3 z( j o4 q) q
they offer on Variable Rate Mortgages. I fully expect to see stronger
7 ]" e6 z* ?0 f' ]7 Wcompetition in the form of creative 'front-end loaded' discounts and ( n+ o- |# |0 w8 M! ]) I# h- [
teaser rates that make it more confusing to compare an apple to an apple , Z8 x3 k! E4 M" h' q5 G8 G3 K7 E
when shopping for the best mortgage option. It's going to be another busy ( f& N4 q- D5 R- [1 d
spring market and consumers are going to be faced with more choices $ D7 Y$ q+ C; g0 X5 }8 w9 h7 V* h
than ever before. The key, like always, is to get expert advice and + w; l2 ^3 H) _; f# k
remember you have options. |
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发表于 2006-5-7 20:26
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