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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。0 y$ i E7 D# w8 p& b
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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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4 N( H Q: w( e0 d3 H+ g7 cThe following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like
% ?; `; h- v1 ^1 [. r QSpring is starting to arrive. Each and every year in late February and
9 J* H7 O# T3 W( l9 Y Uearly March, the banks start rolling out their Spring market campaign of
# u7 b$ X# D8 V5 q* ?4 i$ Tnew products in an effort to attract new consumers. And, if early signs
% l9 y& b4 l' R/ X0 Gare any indication, we're poised for yet another busy spring. The banks
' P$ M- W/ o6 {4 F8 mview this as the best time of year to get your attention by coming up $ D0 ^- a* w0 H# F9 }
with new products or simply putting twists on old ideas. 1 i) m2 c& W7 R
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Over the next few weeks we'll see a variety of new products and this
3 C+ t* F4 w% lyear the early theme I'm seeing is banks getting more creative in an
7 T* p0 k( e* Y+ l6 u* T$ Ieffort to help you borrow more money. This is partly in response to growing 1 {- m& M# U( c6 v
concerns about the potential of rising rates.
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; H7 s7 O' Z: p2 AIn an effort to take the focus away from rates, look for two lenders to . d @1 [2 S. f* Q$ P$ U
come out with 'True Equity' programs that will allow home buyers the
* @9 P6 R- @: s8 T Uability to borrow up to 75% of the equity in their homes without having
- ^) l0 v R9 O6 Uto qualify based on their incomes. These programs were previously only
j! L5 v. E S3 |+ N% D8 _available to self-employed borrowers. Income earners had to either put 9 X9 q2 X4 B0 u& m8 Z0 i
more money down or pay higher rates. This will now be a mortgage based
: _$ N5 E3 R2 ?0 S9 l2 y0 Fon the equity and the rates will be fully discounted.
( \8 y. E, P: c( BAnother product to keep an eye on is more lenders who will be combining 2 h0 n* Q1 e2 P
the mortgage with the line of credit and creating a 'Global borrowing
6 n" Y& E( J% h& r6 v* s# Ulimit' that will be re-advanceable. More and more consumers will be / k. m) |" l8 d8 s9 b
looking for these kind of products for tax planning and investment
* P" t7 S; O; n; W2 l. e4 _strategies. # r) W8 h- X8 G9 D( G) t' D" @( g
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And speaking about investors, banks are starting to recognize the # @' f0 S* K9 g! h/ ]
growing number of home owners who are buying multiple revenue properties for ( H& Z. i; q: z; @7 W
investments and we now have an 'Interest-Only' mortgage available for / a+ e: ^) H4 ]
self-employed borrowers on a 'Stated-income' basis for revenue 2 Q$ R5 l: Q4 s6 p, @0 g w* L
properties. This marks the first time a self-employed individual can use
% z o7 [/ |# H Z) U'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is ' w6 e. l7 T9 `! C: d! k, d' B
reflective of a growing trend towards American-Style lending practices. A prime
5 x- p" d6 _+ p; d8 o3 |example of an American trend influencing our banks will be longer
?6 a7 ]2 j5 a/ p ^3 B- |1 Qamortization periods. Canada has held tight on 25 year amortizations for
8 N" Y" s e) h2 T" ^years, up until now that is. A few lenders have announced 30 year 6 N" P" A9 Y$ z9 ~$ |, n, b7 w
amortizations on CMHC insured mortgages at fully discounted interest rates.' R9 W6 r' k# @9 A) _4 z9 K7 n5 s. G
a2 r- g- ]. c( L' d/ lFinally, in an effort to further take your attention away from the long
" u- i, q9 J% k: ?: }term rates, look for lenders to get more creative with the discounts
+ \4 T9 B3 H6 x% Z! z3 q! i" Kthey offer on Variable Rate Mortgages. I fully expect to see stronger
9 D6 v* D7 }, l) [competition in the form of creative 'front-end loaded' discounts and - y6 N( ` }+ J
teaser rates that make it more confusing to compare an apple to an apple % e3 Q' K' G0 D% v0 V0 I
when shopping for the best mortgage option. It's going to be another busy 1 v: N. e, o. U: b6 m: v1 h/ ~
spring market and consumers are going to be faced with more choices
" _' O3 {0 q( V6 O4 Pthan ever before. The key, like always, is to get expert advice and
- n Y0 W \' ]: y5 aremember you have options. |
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发表于 2006-5-7 20:26
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