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原帖由 dgg 于 2006-5-8 10:12 发表
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: m7 ?: ]! Y2 v- P7 @% C& e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.2 p: A4 b7 U$ [: H' G* G
8 f! s2 C: f5 }8 g+ ^# NSpring Is In The Air! In some markets in Canada it may feel like * [, Y8 c/ x2 |
Spring is starting to arrive. Each and every year in late February and , c: [! u Z) B1 ]9 q
early March, the banks start rolling out their Spring market campaign of 4 E/ q, I+ K: C5 |
new products in an effort to attract new consumers. And, if early signs ) E( y' [) t" [9 W+ o
are any indication, we're poised for yet another busy spring. The banks 7 r+ Y6 {* E2 f! Q$ r. H/ G% |# i
view this as the best time of year to get your attention by coming up # z7 G4 Y. x9 n% }" w
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this ) L5 t1 N8 V2 J- L
year the early theme I'm seeing is banks getting more creative in an
4 m5 w3 B: n9 }$ R2 C* weffort to help you borrow more money. This is partly in response to growing # K$ r6 A1 r3 j8 x0 N P* V
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 * V- u# c3 ` w) ~. F
come out with 'True Equity' programs that will allow home buyers the
, x K0 f9 x6 i3 nability to borrow up to 75% of the equity in their homes without having 1 B! a! ~8 ?; `
to qualify based on their incomes. These programs were previously only
% H6 B& l( U+ H7 s# ^available to self-employed borrowers. Income earners had to either put $ l; U1 V5 R9 L1 z! O+ L1 I$ H
more money down or pay higher rates. This will now be a mortgage based / f/ x' B4 v `# D
on the equity and the rates will be fully discounted.
& |& C4 r( w& [2 aAnother product to keep an eye on is more lenders who will be combining 7 E& D9 A8 f9 h, o
the mortgage with the line of credit and creating a 'Global borrowing
6 v- U; E$ J# F5 F5 e% {4 slimit' that will be re-advanceable. More and more consumers will be
' u$ v! [: Y" O* H$ {; f8 r* Zlooking for these kind of products for tax planning and investment 4 T1 A$ q7 I3 u+ y j
strategies.
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: h8 f" a. x. V5 J$ X% d4 CAnd speaking about investors, banks are starting to recognize the
' j* p$ h* K [+ E7 b% l# m) Ogrowing number of home owners who are buying multiple revenue properties for
. U% k4 k2 I0 l; W* m' y% _investments and we now have an 'Interest-Only' mortgage available for ' o) o8 M. u# h* u0 i# `# r
self-employed borrowers on a 'Stated-income' basis for revenue
2 u9 E8 F' K3 D6 O, cproperties. This marks the first time a self-employed individual can use 9 |# s: n2 X+ Y& ?( d' a
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is ! G* M/ _# L7 n2 r- B
reflective of a growing trend towards American-Style lending practices. A prime 1 ~: Y, H9 d1 ]1 s& l* Y6 Q
example of an American trend influencing our banks will be longer * y7 n+ _7 G: N `! s- W. E# @" u N
amortization periods. Canada has held tight on 25 year amortizations for , O+ S; h. K) ^& r0 A3 q: V& u
years, up until now that is. A few lenders have announced 30 year % E6 g4 `6 a1 a0 V9 J# E
amortizations on CMHC insured mortgages at fully discounted interest rates.. a1 f! W8 C( f1 h+ [
? |8 H! } cFinally, in an effort to further take your attention away from the long ! {+ v" T- e1 ~# a; Z R8 l" M+ {
term rates, look for lenders to get more creative with the discounts
. ~& V. u% `/ ~, A# c0 ?they offer on Variable Rate Mortgages. I fully expect to see stronger * x3 X0 f; {) ]* I1 V
competition in the form of creative 'front-end loaded' discounts and
* F, \9 t7 O5 q( h" X, `teaser rates that make it more confusing to compare an apple to an apple " j7 r/ }" z5 M0 Y y
when shopping for the best mortgage option. It's going to be another busy ' Q) x9 y8 o) @6 b/ E; {, o+ s
spring market and consumers are going to be faced with more choices 3 z# Z0 |5 e) n
than ever before. The key, like always, is to get expert advice and 4 r( g" k' @. N9 @7 N, X
remember you have options. |
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发表于 2006-5-7 20:26
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