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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。
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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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The following article is written by Peter Kinch.7 S/ ~7 ~9 n2 a& K
* m( t& [2 v* USpring Is In The Air! In some markets in Canada it may feel like
8 [& _( L# y# K/ K% pSpring is starting to arrive. Each and every year in late February and
$ d- E4 |* P' tearly March, the banks start rolling out their Spring market campaign of . N1 j n" j2 L/ t9 W/ g- {% s
new products in an effort to attract new consumers. And, if early signs & q, L. M# U7 z) s2 g9 W& ~
are any indication, we're poised for yet another busy spring. The banks
- }5 P5 W0 m" X. Y1 Q0 K7 `view this as the best time of year to get your attention by coming up * y J9 S2 x6 ?; H, I$ D
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this 1 H% p% q$ d- {
year the early theme I'm seeing is banks getting more creative in an
% A& b/ U7 X+ Neffort to help you borrow more money. This is partly in response to growing , W8 r4 e; {# `/ ]8 S
concerns about the potential of rising rates. & b$ s. K/ z% u( {- _ B/ w) ]7 a
0 V5 b+ w( q$ n8 w+ O8 q$ |In an effort to take the focus away from rates, look for two lenders to ! D, v0 i) C/ C; m! z
come out with 'True Equity' programs that will allow home buyers the 4 G! W* d7 t- `/ w, ?8 G
ability to borrow up to 75% of the equity in their homes without having 2 I/ f& o: B' C9 O# K1 O
to qualify based on their incomes. These programs were previously only
4 y9 K# M$ A( }& ~- j$ ^/ Bavailable to self-employed borrowers. Income earners had to either put
5 k+ }* u6 W# ~+ T4 K: u9 _more money down or pay higher rates. This will now be a mortgage based + y7 D6 J' |( Y. ]+ N
on the equity and the rates will be fully discounted.0 I1 Q2 H3 p) D! b
Another product to keep an eye on is more lenders who will be combining % z, E4 R. E* M
the mortgage with the line of credit and creating a 'Global borrowing $ s& R. c: G7 P7 r* E+ {8 ~
limit' that will be re-advanceable. More and more consumers will be
0 h" n6 X3 x, J) W" |looking for these kind of products for tax planning and investment
% P4 t0 ~7 [0 P2 Qstrategies.
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1 I# s1 ?4 r, V2 l5 jAnd speaking about investors, banks are starting to recognize the 6 H+ R) t. W4 H
growing number of home owners who are buying multiple revenue properties for
. j( C/ d* J* k6 tinvestments and we now have an 'Interest-Only' mortgage available for
9 b6 r O3 @/ G% R* iself-employed borrowers on a 'Stated-income' basis for revenue
! c. l" d" f" u; J2 eproperties. This marks the first time a self-employed individual can use
4 C- w. E: [7 E. c0 O0 p'stated-income' to qualify for a revenue property. ! X- H6 h8 s4 \- O% U
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The interest rates will be higher for this product, but it is
0 _2 X+ s; i. S$ h; S9 ^5 u6 v3 Z4 wreflective of a growing trend towards American-Style lending practices. A prime
- b7 P# ^# L p. bexample of an American trend influencing our banks will be longer
3 d1 k" N' `/ Y; L# u) ?amortization periods. Canada has held tight on 25 year amortizations for
2 S- T% a: Y; L5 z. P( `) z9 o3 ^years, up until now that is. A few lenders have announced 30 year 5 k) ]) m7 |. j3 M4 |/ a0 ]
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 T/ s# A* B; o+ r M
term rates, look for lenders to get more creative with the discounts
; L- V! Q4 j+ }( X( z gthey offer on Variable Rate Mortgages. I fully expect to see stronger
# Z) C8 m) u& R& k) x/ E3 Bcompetition in the form of creative 'front-end loaded' discounts and # q' c6 L& y% v$ e+ ~! t
teaser rates that make it more confusing to compare an apple to an apple 0 E! `- @: h, I# S8 I
when shopping for the best mortgage option. It's going to be another busy
: M* b1 S' U( O& l, Zspring market and consumers are going to be faced with more choices # r* Q6 _, V: s$ `4 n$ f3 H
than ever before. The key, like always, is to get expert advice and
6 U& C2 w$ @! P fremember you have options. |
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发表于 2006-5-7 20:26
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