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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。( ^8 d. S0 V4 D8 a
2 J+ N& a- {( k* R9 f1 z3 g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.0 u5 m2 g t: k8 ^! N9 @, y
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Spring Is In The Air! In some markets in Canada it may feel like 5 V4 \4 g6 v& d/ F0 s; H
Spring is starting to arrive. Each and every year in late February and
$ c% v) I7 |# }: I l) x2 Dearly March, the banks start rolling out their Spring market campaign of
9 D! }5 L' l$ E1 }, Tnew products in an effort to attract new consumers. And, if early signs * t/ n" s3 g% B' ^5 {3 c8 ^
are any indication, we're poised for yet another busy spring. The banks
3 e- I. b5 l3 i& Z+ d' Vview this as the best time of year to get your attention by coming up 3 k3 V# Z) Z: w
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
3 o: b# T( [" s- ?year the early theme I'm seeing is banks getting more creative in an
/ I. h: G: P+ {effort to help you borrow more money. This is partly in response to growing
) {: f) @ c3 G3 [# Tconcerns about the potential of rising rates. , ?- q6 M, h2 z
! I) ~+ K4 j7 zIn an effort to take the focus away from rates, look for two lenders to
0 `+ U2 i+ @ k8 w! ^6 [+ }come out with 'True Equity' programs that will allow home buyers the 0 e+ w6 j. L# V9 F+ [3 c
ability to borrow up to 75% of the equity in their homes without having ! N' m) x8 ?# q1 a g F
to qualify based on their incomes. These programs were previously only
/ b3 t' A$ v5 x1 Pavailable to self-employed borrowers. Income earners had to either put $ V s# @, E, P
more money down or pay higher rates. This will now be a mortgage based ; |8 `! _' O$ |' ?6 `- @
on the equity and the rates will be fully discounted.0 j* {1 J7 _, y4 ?8 [
Another product to keep an eye on is more lenders who will be combining
( r+ Y2 j J6 E2 ]! G6 ]' Xthe mortgage with the line of credit and creating a 'Global borrowing
& S9 y/ J# ?5 s% W9 k( ^limit' that will be re-advanceable. More and more consumers will be 5 ^: Z/ y, ~- c4 o
looking for these kind of products for tax planning and investment
% N4 q" f6 h% l& z3 r% U/ ?" Bstrategies.
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And speaking about investors, banks are starting to recognize the
. X+ X, U/ V: u# g# x% fgrowing number of home owners who are buying multiple revenue properties for 5 N* E/ N% q8 ]5 W
investments and we now have an 'Interest-Only' mortgage available for 5 H- n1 P; P6 d+ `6 \
self-employed borrowers on a 'Stated-income' basis for revenue # ~; y8 y" }1 n; {# _3 {3 S6 R E
properties. This marks the first time a self-employed individual can use
. f. D' x- [+ U7 l; K$ d6 @'stated-income' to qualify for a revenue property. # |9 C. E f; m
2 @+ Y8 S7 Q U% CThe interest rates will be higher for this product, but it is
" c1 F- ?8 { J# w: g( A* vreflective of a growing trend towards American-Style lending practices. A prime
# ~! p; A" D* B! jexample of an American trend influencing our banks will be longer
3 c2 _, W& p3 X7 y9 K/ V: @+ M& e- jamortization periods. Canada has held tight on 25 year amortizations for
; I" ^% o8 Y0 C$ y$ P6 V* ?years, up until now that is. A few lenders have announced 30 year ; g9 J; I: Y) X4 j* D4 h% |- r
amortizations on CMHC insured mortgages at fully discounted interest rates.) X4 r& {- N. M, |
( @6 I; T4 o5 N; i" D; k$ fFinally, in an effort to further take your attention away from the long - ~8 Z$ |9 `2 L* X' p1 Y& H5 ?
term rates, look for lenders to get more creative with the discounts
8 N( e, I# X" E# r Z9 qthey offer on Variable Rate Mortgages. I fully expect to see stronger $ B1 G& Y9 c1 M! b4 O+ E8 t
competition in the form of creative 'front-end loaded' discounts and 1 H8 v4 q- E7 j
teaser rates that make it more confusing to compare an apple to an apple
( n: C: _$ T9 p* r8 M9 Rwhen shopping for the best mortgage option. It's going to be another busy $ Y, [; E8 I. }/ U# i
spring market and consumers are going to be faced with more choices
" j2 R' n' s8 Z! B$ Hthan ever before. The key, like always, is to get expert advice and
* S6 r. r. v# Z- L% W1 vremember you have options. |
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发表于 2006-5-7 20:26
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