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原帖由 dgg 于 2006-5-8 10:12 发表, O: H3 o& d, m8 t+ h
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谢谢，请继续。; ^) g. k; Y9 q8 V' N6 r0 u% _
5 H5 B6 r" X. u. d$ }; W) Q/ P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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, B+ H" T9 I3 J0 k/ c% U3 e" \The following article is written by Peter Kinch./ P) h: R- n3 `0 d# c* x" Z
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Spring Is In The Air! In some markets in Canada it may feel like
9 x% i/ n4 W* z6 R* A VSpring is starting to arrive. Each and every year in late February and $ D. N; V' T4 d& i7 ^$ S
early March, the banks start rolling out their Spring market campaign of ; r+ q6 @4 g2 r1 G" F; r. p
new products in an effort to attract new consumers. And, if early signs
& b. @* H( g. |' A- ~: _are any indication, we're poised for yet another busy spring. The banks ( ]1 C, v. E5 {) l1 C F, X
view this as the best time of year to get your attention by coming up
$ m( d! ^* n; w) \* iwith new products or simply putting twists on old ideas. 0 U+ K$ `5 q7 k# A% I
0 E I+ a9 n2 d0 o5 NOver the next few weeks we'll see a variety of new products and this
, n4 `: Y- q- r1 |' M8 R* ~! Dyear the early theme I'm seeing is banks getting more creative in an / f g1 j( ?8 a7 ~ D- r
effort to help you borrow more money. This is partly in response to growing
" Z8 ^( c, H+ K& L4 l- rconcerns about the potential of rising rates.
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" J$ w- ?5 W$ C1 ?* JIn an effort to take the focus away from rates, look for two lenders to
$ t' f9 f( F" ^! \6 Tcome out with 'True Equity' programs that will allow home buyers the
4 Z& L: m6 O' ` M$ P8 bability to borrow up to 75% of the equity in their homes without having
3 p( J& f4 M4 H9 L' F) S( A# bto qualify based on their incomes. These programs were previously only ! P- L2 D$ _2 j( R0 M) V+ a, ]
available to self-employed borrowers. Income earners had to either put
. z& f9 Y" o" u) c7 G. P& Kmore money down or pay higher rates. This will now be a mortgage based 8 e' w# O% J: ~, G5 H9 T) L
on the equity and the rates will be fully discounted.
9 Q( _: z7 c+ k0 _& FAnother product to keep an eye on is more lenders who will be combining
" d( P9 h9 C+ z' {& G+ o1 @9 ~the mortgage with the line of credit and creating a 'Global borrowing , A, I: f8 A/ C8 h& B X
limit' that will be re-advanceable. More and more consumers will be 9 m$ M- b6 g4 v# W" k+ p4 a' M( G+ h
looking for these kind of products for tax planning and investment
* B+ Q3 U/ c6 T$ ystrategies.
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% Z) K) e% e4 C: v9 cAnd speaking about investors, banks are starting to recognize the & W7 T4 _3 {" K# N! `
growing number of home owners who are buying multiple revenue properties for
$ N, s& g: P, k8 {investments and we now have an 'Interest-Only' mortgage available for & ^4 Y$ J, n Q; T$ s( s8 J* l: b- R
self-employed borrowers on a 'Stated-income' basis for revenue & ?5 ~/ }' E2 G) ?4 ?
properties. This marks the first time a self-employed individual can use
, ^" ]: E# M5 x. g( I'stated-income' to qualify for a revenue property. # b$ V4 p+ |5 e' i' b9 _* _
) z3 A. |6 r' E5 BThe interest rates will be higher for this product, but it is
6 L" k0 H& }" i; T' L$ vreflective of a growing trend towards American-Style lending practices. A prime / h0 G; y9 d$ G2 `( I# M
example of an American trend influencing our banks will be longer 2 A6 H" K* c) M; |1 c
amortization periods. Canada has held tight on 25 year amortizations for
+ K- Q2 t m/ e0 W) r9 N" y4 Iyears, up until now that is. A few lenders have announced 30 year 3 p8 @6 d/ o5 D! t0 Z9 N/ K) T
amortizations on CMHC insured mortgages at fully discounted interest rates.
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& G: g& g D4 |! o, V+ G0 A3 u5 YFinally, in an effort to further take your attention away from the long
! x2 t) G/ _0 D/ [/ j' B) o Yterm rates, look for lenders to get more creative with the discounts % q% [! n( C# |3 M5 P$ I
they offer on Variable Rate Mortgages. I fully expect to see stronger
: G# H6 Z9 N$ W8 r3 u5 f( fcompetition in the form of creative 'front-end loaded' discounts and ' ~$ K+ A7 T4 o; t: c/ \4 E
teaser rates that make it more confusing to compare an apple to an apple 6 c+ F6 L0 m+ ~5 k
when shopping for the best mortgage option. It's going to be another busy ; Z1 k5 o$ U! s
spring market and consumers are going to be faced with more choices
5 t+ s7 a! G l& e! u; lthan ever before. The key, like always, is to get expert advice and 7 f9 W7 E& A2 m' W' s
remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
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