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原帖由 dgg 于 2006-5-8 10:12 发表" @# s9 h2 Y& \; b" Q
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谢谢，请继续。' ], K1 x; Y5 ^7 D
) S# D' Q/ }4 S+ [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.
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" `$ W% T- r( `$ Z/ P! v: b- E cSpring Is In The Air! In some markets in Canada it may feel like
7 ~& Z4 S! @ Q) ]7 uSpring is starting to arrive. Each and every year in late February and
: {3 k0 J' ~" I% @early March, the banks start rolling out their Spring market campaign of
! q) ]' h0 ?# b6 ?new products in an effort to attract new consumers. And, if early signs & Y; J. O& J- N- A$ S+ I) @
are any indication, we're poised for yet another busy spring. The banks
, j2 w. p' k+ Fview this as the best time of year to get your attention by coming up # {' J. r. y K# f, R" \2 d# `& U
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 5 P0 N- `5 S2 n* C- }
year the early theme I'm seeing is banks getting more creative in an & c- [: D3 w$ X- p# z
effort to help you borrow more money. This is partly in response to growing
! b9 y7 g& @- V2 W+ @; Q/ T. d% y; Lconcerns 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 " M7 L* |8 @- l) Z$ ]% N
come out with 'True Equity' programs that will allow home buyers the
/ i7 S8 O/ ^* _3 f# n7 bability to borrow up to 75% of the equity in their homes without having
3 X+ b7 |9 N8 o( yto qualify based on their incomes. These programs were previously only
; C9 T3 o7 _" x' p/ ~available to self-employed borrowers. Income earners had to either put
; u; s. q) u: X9 s0 j8 v9 _more money down or pay higher rates. This will now be a mortgage based 6 }8 c6 v) j7 o; |' V
on the equity and the rates will be fully discounted.
) \) J- O, y' `: @2 `& M/ K! [Another product to keep an eye on is more lenders who will be combining + t; @5 I% q- D" o" m- a t
the mortgage with the line of credit and creating a 'Global borrowing
; t: T" F4 w1 l1 V# T: c) ylimit' that will be re-advanceable. More and more consumers will be
! ~/ r) Z2 c* W0 E; ulooking for these kind of products for tax planning and investment
6 p* G3 D2 Q; i/ M5 g6 G3 ~strategies.
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And speaking about investors, banks are starting to recognize the
+ ^" R: J/ d9 mgrowing number of home owners who are buying multiple revenue properties for
% S7 a' O% J& s5 Dinvestments and we now have an 'Interest-Only' mortgage available for + A7 G- T+ m* L- ]! {/ p8 p
self-employed borrowers on a 'Stated-income' basis for revenue * B, F$ l, x$ D3 |2 J- J
properties. This marks the first time a self-employed individual can use 9 A h. V. n/ J6 L/ A
'stated-income' to qualify for a revenue property. " y, ?1 m8 L o
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The interest rates will be higher for this product, but it is
! B5 A1 m* F4 creflective of a growing trend towards American-Style lending practices. A prime
" j# M# N2 c3 ^example of an American trend influencing our banks will be longer . W; R4 t7 X8 {9 p- ]2 M# F7 G h
amortization periods. Canada has held tight on 25 year amortizations for
/ I- S! v! o2 y) q/ a1 r$ }years, up until now that is. A few lenders have announced 30 year
) N( @, S; \+ M* w4 G9 ?amortizations on CMHC insured mortgages at fully discounted interest rates.8 X* G: o, a1 [8 D" |
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Finally, in an effort to further take your attention away from the long : g* Z4 y+ ~- K+ S. r& E* u! C! |8 ?
term rates, look for lenders to get more creative with the discounts ' ~- C0 n* k! x+ j' v
they offer on Variable Rate Mortgages. I fully expect to see stronger 9 \2 |; g* t3 |9 }# D+ c, m
competition in the form of creative 'front-end loaded' discounts and 1 [2 X( M7 V2 h4 q+ ^5 [1 V" |
teaser rates that make it more confusing to compare an apple to an apple 5 i, g8 o0 `( N6 O$ Z, |) D
when shopping for the best mortgage option. It's going to be another busy & ^/ E) s* Y7 Y. [) j
spring market and consumers are going to be faced with more choices - Y! m# U. h/ T/ v$ M# m7 s7 |4 T
than ever before. The key, like always, is to get expert advice and 1 ~) t* N. n9 ~" Q1 J `# _5 Z
remember you have options. |
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发表于 2006-5-7 20:26
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