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原帖由 dgg 于 2006-5-8 10:12 发表
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! N* r; V h$ d" o( J& x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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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
5 W7 z8 w1 Q( M6 e% A# Y! v: ~7 vSpring is starting to arrive. Each and every year in late February and + a `- h1 E3 I4 D1 v' k
early March, the banks start rolling out their Spring market campaign of
4 T: s* u/ w6 l# {6 T( f& w. Fnew products in an effort to attract new consumers. And, if early signs
/ W7 n! `, V" M2 Q+ E1 R6 iare any indication, we're poised for yet another busy spring. The banks
' _& [! S& e+ ~$ {$ N7 Jview this as the best time of year to get your attention by coming up . I- W5 i( P8 h: p9 W
with new products or simply putting twists on old ideas. ! `% |* K9 V9 N& f0 H
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Over the next few weeks we'll see a variety of new products and this 9 y t. a7 T) ?1 H i
year the early theme I'm seeing is banks getting more creative in an
* ^5 S% t7 O( e+ peffort to help you borrow more money. This is partly in response to growing
. [; ?+ G- g: Gconcerns about the potential of rising rates.
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+ j* m0 A6 @& K9 P4 o! A# [; e- H& K5 lIn an effort to take the focus away from rates, look for two lenders to , @" Q& h7 z; E, x* N
come out with 'True Equity' programs that will allow home buyers the
0 U- d! o" P- p7 q, z) Eability to borrow up to 75% of the equity in their homes without having ( P& p8 p8 X5 O2 h. H. l T
to qualify based on their incomes. These programs were previously only
: L8 t; L) K) k; havailable to self-employed borrowers. Income earners had to either put
( D) T( L' r6 bmore money down or pay higher rates. This will now be a mortgage based
4 `* y/ w2 K" T7 P) Xon the equity and the rates will be fully discounted.9 s- c' v; A# J0 G" H; o
Another product to keep an eye on is more lenders who will be combining n6 G, z/ ?! n* l6 N
the mortgage with the line of credit and creating a 'Global borrowing
3 k- T6 S/ Z+ r5 S7 e0 S* R5 alimit' that will be re-advanceable. More and more consumers will be 7 [; [" `+ T" F$ S, k Q
looking for these kind of products for tax planning and investment
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And speaking about investors, banks are starting to recognize the
: q( {8 R0 G9 a6 V3 C6 p" ggrowing number of home owners who are buying multiple revenue properties for
6 _! q8 l9 `+ P, Y% k. Q, }investments and we now have an 'Interest-Only' mortgage available for
0 S! A n: o( f3 s, Gself-employed borrowers on a 'Stated-income' basis for revenue
5 k h/ |0 d1 y" Aproperties. This marks the first time a self-employed individual can use 0 I! G6 f' R( V; E( a9 T: V# B
'stated-income' to qualify for a revenue property.
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0 o, B! ]& a9 o( LThe interest rates will be higher for this product, but it is 8 }2 {/ Q' M5 T% N1 e3 x
reflective of a growing trend towards American-Style lending practices. A prime
3 d9 k: \' x4 i2 i6 {6 Jexample of an American trend influencing our banks will be longer
6 w2 M2 a+ K1 Oamortization periods. Canada has held tight on 25 year amortizations for 5 v+ |" a& X+ T
years, up until now that is. A few lenders have announced 30 year
e( s. _- v" ^% E' G/ t- Y* uamortizations on CMHC insured mortgages at fully discounted interest rates.; D3 F. t* r: Z% K
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Finally, in an effort to further take your attention away from the long
: `( f9 s* b3 v; ^term rates, look for lenders to get more creative with the discounts
' h" R. ]- ` `9 Wthey offer on Variable Rate Mortgages. I fully expect to see stronger
8 G: v( I- N3 _/ C# X2 V, ucompetition in the form of creative 'front-end loaded' discounts and
' ~/ ^+ Y: ~0 q# V0 n6 i2 iteaser rates that make it more confusing to compare an apple to an apple 1 N3 u: u3 C4 @4 B. y
when shopping for the best mortgage option. It's going to be another busy 8 c, N. @; \, ~
spring market and consumers are going to be faced with more choices 8 Y+ v5 D# s {* F0 p
than ever before. The key, like always, is to get expert advice and
7 g) z1 t7 D7 `1 qremember you have options. |
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