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原帖由 dgg 于 2006-5-8 10:12 发表
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1 ]( r7 M! P* ]: s R" c谢谢，请继续。
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& W+ v" D" R# C) [- L. s/ }- f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.& x% m, ?$ ]2 b- ?8 ^
3 ]0 J+ f) T) f, L6 l/ y! `3 PSpring Is In The Air! In some markets in Canada it may feel like
# y( b' [& r$ cSpring is starting to arrive. Each and every year in late February and 8 a5 Q( ^7 `; K& d# _" O/ ]
early March, the banks start rolling out their Spring market campaign of
0 l+ J5 g! @ L: r2 ?2 j3 |new products in an effort to attract new consumers. And, if early signs 3 x/ d% H) g$ i" D. S5 P, {6 j1 X
are any indication, we're poised for yet another busy spring. The banks
! h1 S& h1 }6 O6 C9 g6 T8 fview this as the best time of year to get your attention by coming up
9 I. v6 B4 J F: Nwith new products or simply putting twists on old ideas. 2 H) L. b' L1 A, L# m0 E
+ y# T' c. D; m n: b# `Over the next few weeks we'll see a variety of new products and this
3 T( z7 x$ Y" g' [% U* Wyear the early theme I'm seeing is banks getting more creative in an
1 y4 _8 U6 G* Z# i3 Meffort to help you borrow more money. This is partly in response to growing
- A0 o0 ^4 t# O# } S4 E. ]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
/ ]& U- M# a; P( T- f6 t' B. b' scome out with 'True Equity' programs that will allow home buyers the # S6 ]. d/ e7 i+ [6 l. J9 I
ability to borrow up to 75% of the equity in their homes without having
3 r- t; S# E5 T$ S7 n! O6 pto qualify based on their incomes. These programs were previously only ; r2 i# o1 C3 C* n: P% V7 }5 \) u/ R" i
available to self-employed borrowers. Income earners had to either put & m. M5 J! b; I' v+ N
more money down or pay higher rates. This will now be a mortgage based
! i7 t& F6 x4 J. | i, d1 y0 xon the equity and the rates will be fully discounted.& \+ I: H& `2 W, O8 \: i G
Another product to keep an eye on is more lenders who will be combining ' e! I) T. |: \. U+ J6 G) S. e3 g" O
the mortgage with the line of credit and creating a 'Global borrowing + Q: ]5 u% N2 X& n7 {. B
limit' that will be re-advanceable. More and more consumers will be
0 Q/ N# n/ Y ?looking for these kind of products for tax planning and investment
* X2 _1 F- b' F2 A. {4 Istrategies. ; i' R: R5 q" y. b* |
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And speaking about investors, banks are starting to recognize the
4 ] Z/ V# d8 q0 ]9 F7 a8 U/ s3 sgrowing number of home owners who are buying multiple revenue properties for , N7 p& X3 o1 C5 t2 Q, d
investments and we now have an 'Interest-Only' mortgage available for 6 h: X- l: g3 l8 O
self-employed borrowers on a 'Stated-income' basis for revenue
8 U" I! P+ ?5 q( V7 V, D/ Z* Yproperties. This marks the first time a self-employed individual can use * f; c5 J }: ]) ~. p# i% y
'stated-income' to qualify for a revenue property. 4 j7 V! D9 E& O/ P, z8 z
/ S4 N& g$ Q& V* o$ q8 LThe interest rates will be higher for this product, but it is / D& V/ I8 B% y5 G0 R4 Y
reflective of a growing trend towards American-Style lending practices. A prime
6 |! t2 X) W% C9 Y' u+ G% Texample of an American trend influencing our banks will be longer
/ K& N$ j/ m: x4 Eamortization periods. Canada has held tight on 25 year amortizations for 9 \' d/ ~3 @7 ^
years, up until now that is. A few lenders have announced 30 year & B1 Y) n9 g! n, g2 o& [
amortizations on CMHC insured mortgages at fully discounted interest rates.4 P$ c0 |+ P4 v( Y8 t* K* h
3 L; I8 N4 b5 F5 o1 W# v1 bFinally, in an effort to further take your attention away from the long 6 c, g5 ~3 t/ ?0 s7 P$ e9 ~
term rates, look for lenders to get more creative with the discounts 1 @ X7 X8 y7 {
they offer on Variable Rate Mortgages. I fully expect to see stronger
4 P9 k) B0 v' u" V7 r0 O3 fcompetition in the form of creative 'front-end loaded' discounts and
) d, Q( l/ V7 i, Wteaser rates that make it more confusing to compare an apple to an apple " P( ^/ _8 e5 c( ]3 }0 I/ ?( H2 M( s
when shopping for the best mortgage option. It's going to be another busy
+ e# i$ b* ~0 v# f; W7 V' yspring market and consumers are going to be faced with more choices $ C( M. _+ ]6 h6 B, m$ N& Y
than ever before. The key, like always, is to get expert advice and ' Q$ n4 X5 Z; x: P& e$ Q
remember you have options. |
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发表于 2006-5-7 20:26
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