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原帖由 dgg 于 2006-5-8 10:12 发表% s0 D( n" I( [2 ^7 A8 }7 T% I
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谢谢，请继续。9 C2 h. y! e% E& O* [& F( I
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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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& r6 Y v7 L- [* u! u& m, zThe following article is written by Peter Kinch.' r# c# T$ U4 x' e+ \: a- F
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Spring Is In The Air! In some markets in Canada it may feel like $ f9 N# k* h% r+ y* L0 O
Spring is starting to arrive. Each and every year in late February and
B! f3 Z. Q3 D; d2 eearly March, the banks start rolling out their Spring market campaign of
6 E7 h: a( {$ d- n* znew products in an effort to attract new consumers. And, if early signs
+ q$ M: p1 K9 E3 sare any indication, we're poised for yet another busy spring. The banks $ I. ^$ _, S: Q+ t
view this as the best time of year to get your attention by coming up
/ T4 S6 K: m1 k/ T1 `& Vwith new products or simply putting twists on old ideas.
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z) j2 ^! J. X7 w0 _4 X" A" }Over the next few weeks we'll see a variety of new products and this # N/ f) z- f( D V# @
year the early theme I'm seeing is banks getting more creative in an , u1 s( [7 J8 z& d' C4 ~
effort to help you borrow more money. This is partly in response to growing
+ @" I7 U0 g8 E$ l0 | Mconcerns about the potential of rising rates.
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2 ^' ~: x" v- v* v1 m; h" u' L5 wIn an effort to take the focus away from rates, look for two lenders to 6 Z4 R2 K; E' \4 J! D$ N0 V
come out with 'True Equity' programs that will allow home buyers the
& T1 R9 r8 ?3 oability to borrow up to 75% of the equity in their homes without having 2 K' e" q0 d) n, a; Z2 s
to qualify based on their incomes. These programs were previously only : {6 r4 Z" Y( m7 [ }7 g
available to self-employed borrowers. Income earners had to either put 0 S& i8 A9 j3 z3 C6 m
more money down or pay higher rates. This will now be a mortgage based
0 H4 E6 A& u" F0 g+ m O; g5 Qon the equity and the rates will be fully discounted." L. X7 Q: h, t
Another product to keep an eye on is more lenders who will be combining
) B# V ^; A2 ?1 n% Z _6 Ithe mortgage with the line of credit and creating a 'Global borrowing # {' W" P: }, `% c% m
limit' that will be re-advanceable. More and more consumers will be 7 |/ L/ ~0 U4 `3 t* W% \+ E
looking for these kind of products for tax planning and investment 1 ]' k3 [! j; K2 ]- m
strategies.
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And speaking about investors, banks are starting to recognize the - W! a2 {" q1 F# a
growing number of home owners who are buying multiple revenue properties for
+ R$ D+ k W6 y3 g3 D' Qinvestments and we now have an 'Interest-Only' mortgage available for $ i1 W( M* s' }, ]
self-employed borrowers on a 'Stated-income' basis for revenue 0 }) a, e- Z0 C- D! U: G# K
properties. This marks the first time a self-employed individual can use # k$ |. i, v2 p n
'stated-income' to qualify for a revenue property.
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5 D, e1 `6 z- q" qThe interest rates will be higher for this product, but it is 0 |, D& X# }, J
reflective of a growing trend towards American-Style lending practices. A prime
# b" Q' d) @2 E, d- Hexample of an American trend influencing our banks will be longer
j: D4 J- |2 p9 X+ Namortization periods. Canada has held tight on 25 year amortizations for
% L: z0 D7 Q# v+ v5 ~' ~. w' N- X3 qyears, up until now that is. A few lenders have announced 30 year
3 z" W( ]! a0 b, u: oamortizations 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 ' ]& l! z; K+ \$ V; t/ l
term rates, look for lenders to get more creative with the discounts : m" P" J/ Q3 F6 s5 o
they offer on Variable Rate Mortgages. I fully expect to see stronger . |3 Y$ j; c2 ~0 j6 }$ F; m0 y
competition in the form of creative 'front-end loaded' discounts and 7 z8 K7 F; e" a. ^
teaser rates that make it more confusing to compare an apple to an apple
7 j8 h$ x, d2 |0 U& r xwhen shopping for the best mortgage option. It's going to be another busy
* E- p% F9 E. ~8 ~; n) ^, }spring market and consumers are going to be faced with more choices % h) A9 E) A) m" j7 m# ?- T
than ever before. The key, like always, is to get expert advice and " H& z! O- O& _- T( X
remember you have options. |
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发表于 2006-5-7 20:26
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