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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。- ^, d% V1 o2 @6 A4 L. \
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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.
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Spring Is In The Air! In some markets in Canada it may feel like
1 f j* N9 d0 Y# oSpring is starting to arrive. Each and every year in late February and
6 U+ A# V8 |* y( d5 O7 U; h* rearly March, the banks start rolling out their Spring market campaign of / y9 b, I- G& s/ m% g8 Z' J8 P' d" W
new products in an effort to attract new consumers. And, if early signs . f/ w+ Q2 y+ G
are any indication, we're poised for yet another busy spring. The banks
2 k3 I* @! P' B. Z( D' e8 j. dview this as the best time of year to get your attention by coming up
6 Q' l g0 X f: C$ L1 twith new products or simply putting twists on old ideas.
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/ i5 `' {# e5 w1 u3 m( U4 VOver the next few weeks we'll see a variety of new products and this ' W* @2 m/ ]+ Y8 ?
year the early theme I'm seeing is banks getting more creative in an
4 x' l, ^+ V! d/ | R9 Keffort to help you borrow more money. This is partly in response to growing
" I0 C1 e. F% Z9 B) zconcerns 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 7 z+ R9 o/ e" Y7 k D
come out with 'True Equity' programs that will allow home buyers the 2 _4 \/ [. s- A4 D1 X! B
ability to borrow up to 75% of the equity in their homes without having % |) m7 I- N2 S% Y
to qualify based on their incomes. These programs were previously only
F& P! q) D J! Pavailable to self-employed borrowers. Income earners had to either put
4 @0 k' u) H3 ?2 w2 Bmore money down or pay higher rates. This will now be a mortgage based $ x' D6 \$ V! [2 Q
on the equity and the rates will be fully discounted.
* o3 Q$ X. D CAnother product to keep an eye on is more lenders who will be combining
2 v5 K$ {! N9 f) h7 E1 u3 p2 w% R$ ]the mortgage with the line of credit and creating a 'Global borrowing 8 g' I4 j4 ]4 v3 L, ^, H2 W
limit' that will be re-advanceable. More and more consumers will be
: y9 s: N$ T. H; J0 ?' {7 X9 Dlooking for these kind of products for tax planning and investment 9 O4 \9 ]( f1 H- ]3 l- {
strategies.
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' R4 i$ z. S% t, ]& j R& |, aAnd speaking about investors, banks are starting to recognize the 5 ]% M/ x. \% X
growing number of home owners who are buying multiple revenue properties for
: J# g$ o' h/ ~9 [1 X6 `. {) @6 Binvestments and we now have an 'Interest-Only' mortgage available for ! C$ \8 I, I) T4 I; T# D
self-employed borrowers on a 'Stated-income' basis for revenue
( _, V4 c K8 }* m" `, {, uproperties. This marks the first time a self-employed individual can use
, S7 e5 b0 R4 [: c$ t5 i'stated-income' to qualify for a revenue property. 2 m+ l" n+ m- u1 K. K$ P
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The interest rates will be higher for this product, but it is
1 N) s8 p4 Z+ t% u% \9 P6 O! M* qreflective of a growing trend towards American-Style lending practices. A prime 9 P! [. Z& r; W, x7 Y* Q8 @
example of an American trend influencing our banks will be longer @* k( \- v. l0 \
amortization periods. Canada has held tight on 25 year amortizations for
* ?7 `6 K1 L: z: oyears, up until now that is. A few lenders have announced 30 year $ T5 Y7 q! ]/ P. ?; Q
amortizations on CMHC insured mortgages at fully discounted interest rates.4 R8 I2 A, ^6 Q8 @ U2 w
$ {5 }9 O9 H* f. @( B* mFinally, in an effort to further take your attention away from the long
+ N+ ^' ~% K+ B. e/ N( Fterm rates, look for lenders to get more creative with the discounts 1 W) z5 f$ d% }
they offer on Variable Rate Mortgages. I fully expect to see stronger
/ _+ R! m( r2 v! w2 m) {* o$ pcompetition in the form of creative 'front-end loaded' discounts and , Y7 Y5 p) \6 F& S+ B1 O
teaser rates that make it more confusing to compare an apple to an apple 3 C6 P2 e/ w- ~' y% E9 X J( n
when shopping for the best mortgage option. It's going to be another busy
% a& C7 i- J$ }" ^: w# d4 ospring market and consumers are going to be faced with more choices 9 X9 U8 G5 `/ I$ p- v
than ever before. The key, like always, is to get expert advice and
) |0 Y4 F- _% Q8 i- O$ cremember you have options. |
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发表于 2006-5-7 20:26
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