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原帖由 dgg 于 2006-5-8 10:12 发表5 K; b7 o. u1 W, h% z. q5 P. y
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谢谢，请继续。
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2 u! v1 _! t: w% f9 a j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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9 H+ K3 A8 m' y z) a) vThe following article is written by Peter Kinch.7 U7 z4 c' X3 k3 Q
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Spring Is In The Air! In some markets in Canada it may feel like & F8 S0 q) O: a; {' h2 W
Spring is starting to arrive. Each and every year in late February and + T3 O( ]1 C5 C0 b5 h. Y
early March, the banks start rolling out their Spring market campaign of
0 U. ]2 X d b3 K. d6 A" wnew products in an effort to attract new consumers. And, if early signs
* p R- k: E7 a, q: o; Q0 Xare any indication, we're poised for yet another busy spring. The banks
9 o" v+ T, O% i9 t7 {& Pview this as the best time of year to get your attention by coming up * Y' q: k% d- C" x! y
with new products or simply putting twists on old ideas.
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' @. p4 U2 W0 o1 D6 nOver the next few weeks we'll see a variety of new products and this - Z s. |" R) R) l8 R$ k& }
year the early theme I'm seeing is banks getting more creative in an ' ~2 @, `" v: \, _" q6 n7 n H
effort to help you borrow more money. This is partly in response to growing
2 e* p6 o$ w* W$ ~concerns about the potential of rising rates.
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; J! ]5 r* G" i2 A& B3 bIn an effort to take the focus away from rates, look for two lenders to " ?$ V& o R. ]
come out with 'True Equity' programs that will allow home buyers the
& n: {! Q/ i6 D) uability to borrow up to 75% of the equity in their homes without having ; x' Z) Y3 W9 Y2 K3 S8 n8 s
to qualify based on their incomes. These programs were previously only
9 [/ y9 l! B1 W& f' Y7 R: Wavailable to self-employed borrowers. Income earners had to either put
( V3 ^ M3 C# c5 lmore money down or pay higher rates. This will now be a mortgage based " D9 L4 O% u4 R0 o5 ~6 o
on the equity and the rates will be fully discounted.1 |0 z' _6 c2 g' Y; @
Another product to keep an eye on is more lenders who will be combining
$ T) d2 g) d- s+ x9 T* n1 k) ]the mortgage with the line of credit and creating a 'Global borrowing
5 V, x0 \9 J5 A; d+ ~& Ilimit' that will be re-advanceable. More and more consumers will be
1 _4 x% P) R5 D) l8 d# q3 W5 \looking for these kind of products for tax planning and investment $ o, j* o! B) d4 x& S2 u, a
strategies. 3 M1 v& q4 r3 m1 l l B
$ B( o5 M! G0 W' Z' \And speaking about investors, banks are starting to recognize the ) `7 W# ?8 G, \2 n+ a( l+ a
growing number of home owners who are buying multiple revenue properties for
: C$ |. O( D" L' r+ _investments and we now have an 'Interest-Only' mortgage available for 3 ^& I1 W. z5 z' W# I% u# H
self-employed borrowers on a 'Stated-income' basis for revenue 0 U" {: w5 R- G5 l& _
properties. This marks the first time a self-employed individual can use
- g1 L+ v0 k3 M2 F'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 6 x, G; ^$ d. ]$ k% _7 G( j6 O
reflective of a growing trend towards American-Style lending practices. A prime ; c+ [( l8 |- A' w) }3 p
example of an American trend influencing our banks will be longer 4 J6 d) P$ J, o- K
amortization periods. Canada has held tight on 25 year amortizations for
1 S* f" ?/ B/ Z0 q) d" a4 a, C Wyears, up until now that is. A few lenders have announced 30 year # R- m X' M/ f! e" W
amortizations on CMHC insured mortgages at fully discounted interest rates.5 f8 `( j1 X# `& _+ v% L
% S8 V1 D4 D3 u1 k f& i- p+ nFinally, in an effort to further take your attention away from the long
0 I' ~' ` r- ]term rates, look for lenders to get more creative with the discounts # A- ^% H% Z4 J8 [2 \
they offer on Variable Rate Mortgages. I fully expect to see stronger @1 P- {4 g, u: L
competition in the form of creative 'front-end loaded' discounts and
" \3 g0 a, @& u3 Kteaser rates that make it more confusing to compare an apple to an apple U/ A, ~5 a& e) Z- V
when shopping for the best mortgage option. It's going to be another busy
$ N# s7 j+ R9 `! ^6 j5 mspring market and consumers are going to be faced with more choices 7 H, |) u/ q3 |7 B. Y& \* c' C
than ever before. The key, like always, is to get expert advice and 5 R& l8 V, [6 M3 m$ m
remember you have options. |
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发表于 2006-5-7 20:26
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