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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。+ l# h1 H% @, \- A7 v$ x. j
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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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* Q: W+ w# ?' ^ iThe following article is written by Peter Kinch.* P- ~* _: `5 H8 H7 {1 @' V
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Spring Is In The Air! In some markets in Canada it may feel like 1 I6 Q3 \$ R1 R6 }
Spring is starting to arrive. Each and every year in late February and v4 J+ e2 e& g* B. W" h; z a. }. L
early March, the banks start rolling out their Spring market campaign of
# r6 Z! j( F$ h* M5 p Fnew products in an effort to attract new consumers. And, if early signs ) F3 T# y# @8 N; S$ ^' S4 [2 u
are any indication, we're poised for yet another busy spring. The banks
9 F( J! x7 \( C% Q6 j. [view this as the best time of year to get your attention by coming up
: j& Z2 l- u# ]( D3 Xwith new products or simply putting twists on old ideas. & h% h, `7 ?: Z. D, N( k
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Over the next few weeks we'll see a variety of new products and this " x1 V8 L& j7 u3 n' `: {8 K
year the early theme I'm seeing is banks getting more creative in an 2 l O9 B6 u6 l7 b |5 r
effort to help you borrow more money. This is partly in response to growing , f1 i3 l* y' \" Y: C
concerns about the potential of rising rates.
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# s& a/ H# @0 x0 X+ SIn an effort to take the focus away from rates, look for two lenders to
% h) \0 u1 ~% h; c' _- z0 V1 Scome out with 'True Equity' programs that will allow home buyers the ! O& x8 j b/ u0 l0 y0 N
ability to borrow up to 75% of the equity in their homes without having
& t8 V+ t; K2 Ito qualify based on their incomes. These programs were previously only
1 P) Q8 x9 j G& s$ K; a- }; p3 E- Mavailable to self-employed borrowers. Income earners had to either put
( k9 q7 S4 ~* V# T; Gmore money down or pay higher rates. This will now be a mortgage based : [3 r1 u( k. I/ W( G
on the equity and the rates will be fully discounted.! v; @' z) b. B- b
Another product to keep an eye on is more lenders who will be combining
7 R( p; q; ?6 V% }- J' n! C0 t+ tthe mortgage with the line of credit and creating a 'Global borrowing
/ z3 M- X8 |4 {+ L3 L' @# Glimit' that will be re-advanceable. More and more consumers will be ' U3 G: y* m! Y+ F* e% g7 b
looking for these kind of products for tax planning and investment
: I. a6 A7 J) I( c8 ~9 B% U2 B+ Wstrategies.
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And speaking about investors, banks are starting to recognize the * q& G$ m6 g& Y' o
growing number of home owners who are buying multiple revenue properties for
. l% q5 u5 b0 rinvestments and we now have an 'Interest-Only' mortgage available for ' `& C& x" d6 ?7 o
self-employed borrowers on a 'Stated-income' basis for revenue : O0 l, M$ `8 W. h% _; w- v# I
properties. This marks the first time a self-employed individual can use * e% t% R# {% x3 E
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
4 Z. ^2 j2 ?# B( v4 i/ ]reflective of a growing trend towards American-Style lending practices. A prime
; r8 k0 k8 L9 p6 m' O6 U; iexample of an American trend influencing our banks will be longer
: {. C; g* u2 ]' ]: U5 yamortization periods. Canada has held tight on 25 year amortizations for
# a0 o( k& `# n/ syears, up until now that is. A few lenders have announced 30 year
. ^9 u T! t" ~. Z9 {: x3 m* Tamortizations on CMHC insured mortgages at fully discounted interest rates.! i. I8 m& q5 G7 @
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Finally, in an effort to further take your attention away from the long
( y; A* {9 i: u: v8 U; Aterm rates, look for lenders to get more creative with the discounts
# G. j( J2 R# K% K+ w2 `they offer on Variable Rate Mortgages. I fully expect to see stronger
" Q3 r% r+ q; F2 W. e1 X7 [competition in the form of creative 'front-end loaded' discounts and 6 F: a. F& H4 G) D; l
teaser rates that make it more confusing to compare an apple to an apple
" H- s: p& T0 T2 g! Iwhen shopping for the best mortgage option. It's going to be another busy
$ n& y* e, @ O9 ~: H! ?' | qspring market and consumers are going to be faced with more choices ( ^' k* v4 `2 n8 N+ }* y5 g
than ever before. The key, like always, is to get expert advice and
O4 [7 u( G1 y0 ~% J: ^+ \8 Eremember you have options. |
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发表于 2006-5-7 20:26
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