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原帖由 dgg 于 2006-5-8 10:12 发表& V) C3 z$ |' a: h# }- f- C
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谢谢，请继续。8 X! |2 s/ |. w* y' e
9 D1 G9 ^& S$ A. T0 y2 Y6 H/ i8 D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。
6 P4 y0 d: b( j" a5 ^$ uThe following article is written by Peter Kinch.
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$ E: n1 q/ G. I5 vSpring Is In The Air! In some markets in Canada it may feel like
3 J. ^1 h; M- M: k6 w: s- D4 CSpring is starting to arrive. Each and every year in late February and
1 x- R5 T; ^- y" c/ Uearly March, the banks start rolling out their Spring market campaign of # F0 f9 e4 c+ T
new products in an effort to attract new consumers. And, if early signs
0 ^. l/ t. x$ K7 care any indication, we're poised for yet another busy spring. The banks % L6 ~6 H7 @ q# `; D2 v
view this as the best time of year to get your attention by coming up . T& O" @ C+ S2 S3 {' [4 A
with new products or simply putting twists on old ideas. 2 W ^+ H) l: [* G6 x4 Q
! X/ F5 i: u/ d0 \( J' u: N, bOver the next few weeks we'll see a variety of new products and this
+ M$ Z9 ?9 ~* U Q3 r1 O, Vyear the early theme I'm seeing is banks getting more creative in an 6 b* j1 p2 w! Y3 T$ W2 f) @; O
effort to help you borrow more money. This is partly in response to growing
/ _. K u4 A) E" xconcerns about the potential of rising rates. # f( G8 @, R* g/ j; ^ k2 w
6 l: L, H# ]6 j" l: i1 r: eIn an effort to take the focus away from rates, look for two lenders to
+ c8 y9 D+ d4 {0 O3 y, Tcome out with 'True Equity' programs that will allow home buyers the
% a% L* |2 S: K2 b" x: ?) ?8 vability to borrow up to 75% of the equity in their homes without having
3 h2 G* r6 L ]5 v/ x# s) Vto qualify based on their incomes. These programs were previously only ) ~- k- @5 _7 S- X/ g! |
available to self-employed borrowers. Income earners had to either put ; J& n0 {+ w) s+ S
more money down or pay higher rates. This will now be a mortgage based
+ N# p5 v/ H9 A: `7 |on the equity and the rates will be fully discounted.
# x6 W4 v* T5 IAnother product to keep an eye on is more lenders who will be combining , u0 O* L4 O6 C, W5 A: P
the mortgage with the line of credit and creating a 'Global borrowing
: N) d$ F7 C! F. l: ^limit' that will be re-advanceable. More and more consumers will be , q4 g {# M c4 L X Z
looking for these kind of products for tax planning and investment , b) I4 ]8 P$ L Q3 z
strategies.
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And speaking about investors, banks are starting to recognize the 0 S7 E$ F/ x' e
growing number of home owners who are buying multiple revenue properties for
5 o( f+ k9 p* c% Q% p! Pinvestments and we now have an 'Interest-Only' mortgage available for
$ B( N/ W( n. D2 P* \self-employed borrowers on a 'Stated-income' basis for revenue
- x4 p7 Z* n5 ?9 y, }properties. This marks the first time a self-employed individual can use
$ @6 v: A$ h% U' o% [6 C* l'stated-income' to qualify for a revenue property.
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9 z+ m% R( \3 Z+ X. AThe interest rates will be higher for this product, but it is
* {# ~: {6 u9 y: o, oreflective of a growing trend towards American-Style lending practices. A prime
3 K% n' ]: f' Yexample of an American trend influencing our banks will be longer ; |5 W6 J& S: ~9 J$ k' F- R
amortization periods. Canada has held tight on 25 year amortizations for
' X; n2 i# K" }. C5 n) oyears, up until now that is. A few lenders have announced 30 year % |" W; Z/ p# Q* L8 c
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long & J. s, N- @3 ]/ Q& V
term rates, look for lenders to get more creative with the discounts
, q8 x9 u! ^, P0 k' `4 cthey offer on Variable Rate Mortgages. I fully expect to see stronger 0 I, D, N# c0 f7 Q1 `
competition in the form of creative 'front-end loaded' discounts and 2 z8 y1 R3 h6 g: ~, Q
teaser rates that make it more confusing to compare an apple to an apple
2 K% Y* n7 p& \* I, U/ Nwhen shopping for the best mortgage option. It's going to be another busy
- s+ b/ l A& O( o4 A$ hspring market and consumers are going to be faced with more choices + y: I3 Q- t" S( U9 s- k; j1 t
than ever before. The key, like always, is to get expert advice and
: j& p" V6 w2 f" m+ H! P* Bremember you have options. |
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发表于 2006-5-7 20:26
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