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原帖由 dgg 于 2006-5-8 10:12 发表4 m; b1 o$ e+ S
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6 d+ ?' Z- W$ r7 q) l9 O0 | T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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# F8 I, h& l. P& F FThe following article is written by Peter Kinch.
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' M( B( v/ o# ]% ~5 V2 VSpring Is In The Air! In some markets in Canada it may feel like
: I7 p6 e% [7 O4 ]3 @' P4 G. mSpring is starting to arrive. Each and every year in late February and - x1 ?9 p2 @. y- b
early March, the banks start rolling out their Spring market campaign of 7 [( w) @; M+ H7 I. T
new products in an effort to attract new consumers. And, if early signs
/ h7 Z4 l. @. c, D% M( {are any indication, we're poised for yet another busy spring. The banks
8 ?0 l' W! Y. w5 [2 I& Y! p6 qview this as the best time of year to get your attention by coming up ) E' E& h2 `4 Q b y: i
with new products or simply putting twists on old ideas.
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$ o. d' ~# u. ]7 ^" U( K- ~Over the next few weeks we'll see a variety of new products and this
, W' J3 e8 Y/ C( @- {; gyear the early theme I'm seeing is banks getting more creative in an
1 ^( _4 s9 J, ^- l7 v/ s0 ~( |effort to help you borrow more money. This is partly in response to growing
' ~/ B! K" J e$ econcerns 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 ; [9 L2 u7 ~6 o+ a5 J
come out with 'True Equity' programs that will allow home buyers the & s3 ]' o) g2 a" t# h
ability to borrow up to 75% of the equity in their homes without having $ g" q, W [" q" |& n+ Y
to qualify based on their incomes. These programs were previously only
3 ~! Y1 v' C( C$ {( Ravailable to self-employed borrowers. Income earners had to either put
* B3 d: W' {8 e* X! x) X3 k! }' z6 kmore money down or pay higher rates. This will now be a mortgage based
6 U% h: V" R- C& V s( Jon the equity and the rates will be fully discounted.
4 _! |2 v/ P+ }- U* \Another product to keep an eye on is more lenders who will be combining 4 |- t# i7 [2 p( J6 y1 j1 V+ _) h
the mortgage with the line of credit and creating a 'Global borrowing
) S; Z2 M' }' R: S3 rlimit' that will be re-advanceable. More and more consumers will be ' ~ T7 B9 [& y3 \
looking for these kind of products for tax planning and investment
. b: ^% q2 i3 K3 b' Q, |strategies.
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And speaking about investors, banks are starting to recognize the
3 _9 Q) t! }- m7 W/ a) Hgrowing number of home owners who are buying multiple revenue properties for / y4 K+ y, m- d) u6 I1 r! H# K; X% K
investments and we now have an 'Interest-Only' mortgage available for
2 x1 p5 Z8 P; Eself-employed borrowers on a 'Stated-income' basis for revenue
2 t3 C* P& w) W) R) sproperties. This marks the first time a self-employed individual can use + ]4 r ~6 V% \
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is o2 ^8 `1 G1 V" J
reflective of a growing trend towards American-Style lending practices. A prime
9 m- j" ]/ Z. W7 wexample of an American trend influencing our banks will be longer ' S. F. H# M; M c1 q) v
amortization periods. Canada has held tight on 25 year amortizations for
I7 _! x" h! `% q- e2 Ayears, up until now that is. A few lenders have announced 30 year & w2 k5 a: s& \ _% U. Q. {
amortizations on CMHC insured mortgages at fully discounted interest rates.. e. v4 j3 Y9 \% E: N; G+ c5 Y
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Finally, in an effort to further take your attention away from the long
1 ?5 U1 @" g' A+ U4 ^, kterm rates, look for lenders to get more creative with the discounts , v5 S. a* u. y2 g+ Q
they offer on Variable Rate Mortgages. I fully expect to see stronger
2 H9 j, q( C9 d- |, W0 Kcompetition in the form of creative 'front-end loaded' discounts and
( q5 E, [+ m |teaser rates that make it more confusing to compare an apple to an apple
2 V+ M/ ?2 r( P. {2 M- v/ bwhen shopping for the best mortgage option. It's going to be another busy
3 J0 x4 D0 H) m) vspring market and consumers are going to be faced with more choices
: Y" z) I" ], W' O) f8 i1 Cthan ever before. The key, like always, is to get expert advice and
$ {3 C7 U: Q( o0 K/ m/ gremember you have options. |
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发表于 2006-5-7 20:26
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