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原帖由 dgg 于 2006-5-8 10:12 发表7 f" O; B# e ~: p
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* {& Q) \) ^3 m$ B7 t4 Y9 V+ x谢谢，请继续。
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- O# t i* V) e# T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.) R% |/ t; V& B- E
* n) u$ o6 O5 w- w0 l' oSpring Is In The Air! In some markets in Canada it may feel like 2 e: K& W8 s( V3 {2 ^2 I' {
Spring is starting to arrive. Each and every year in late February and
0 R( {3 J: F4 ~! k2 q( v& `early March, the banks start rolling out their Spring market campaign of % i$ J' E) q4 A0 |5 ]0 J) T
new products in an effort to attract new consumers. And, if early signs
/ i7 O* D& e5 ^* e8 sare any indication, we're poised for yet another busy spring. The banks
2 z0 C; H, G0 c0 P; Vview this as the best time of year to get your attention by coming up
( [/ K1 C2 O6 T& a4 r; Y6 Nwith 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 - y. ^( h! O3 w6 s4 @( |$ W
year the early theme I'm seeing is banks getting more creative in an
- ], j# M e, Q& A, ~7 d. Meffort to help you borrow more money. This is partly in response to growing a5 V! z- i" U% V8 n
concerns about the potential of rising rates. 7 i* B$ X" c& I* \2 @7 Q
7 u2 r5 ^( U. Z+ C: ~" N/ aIn an effort to take the focus away from rates, look for two lenders to 1 K+ y, ~. f5 {& Q8 H
come out with 'True Equity' programs that will allow home buyers the - r0 \+ t" |3 |. x8 A% x, L' C
ability to borrow up to 75% of the equity in their homes without having - J$ ^9 G' {5 o0 S; z
to qualify based on their incomes. These programs were previously only 0 z% M' b0 w [2 o
available to self-employed borrowers. Income earners had to either put + ?9 F3 Q* \8 H* a2 }
more money down or pay higher rates. This will now be a mortgage based % t' X) C+ m7 G7 S
on the equity and the rates will be fully discounted./ p$ q* W7 Z/ l" N7 B8 I
Another product to keep an eye on is more lenders who will be combining
! c8 \9 H9 ^7 Q6 n; C; l: ithe mortgage with the line of credit and creating a 'Global borrowing
5 w5 k! J' l$ i* mlimit' that will be re-advanceable. More and more consumers will be
6 u6 ?5 X' f$ X" ]$ m* Y3 ilooking for these kind of products for tax planning and investment
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And speaking about investors, banks are starting to recognize the 1 P! _+ ?6 `# E) X7 ?4 n
growing number of home owners who are buying multiple revenue properties for
4 P! j3 g) s- ], s/ jinvestments and we now have an 'Interest-Only' mortgage available for
$ F: Y& I& Z0 P4 M/ Z1 T6 l {" Eself-employed borrowers on a 'Stated-income' basis for revenue
7 C( Y+ h. B9 Z( d2 h* Yproperties. This marks the first time a self-employed individual can use
' N# R# I1 [4 @. r4 Z( H'stated-income' to qualify for a revenue property. # z I* P4 O+ ~% u2 {. {0 L) g
* Z( ~( o3 ?( [0 p5 C, J+ uThe interest rates will be higher for this product, but it is
9 ]4 K1 {- j& D. a) h( s5 [reflective of a growing trend towards American-Style lending practices. A prime : o( c% p* u" X3 D
example of an American trend influencing our banks will be longer
8 N& g0 t9 U& [amortization periods. Canada has held tight on 25 year amortizations for " ` y) o9 x! o4 ?) T: w' V
years, up until now that is. A few lenders have announced 30 year
1 l+ ?2 n" S: g. c+ a5 ~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
. g; R0 z- ^* O: a1 Z5 k. c& Nterm rates, look for lenders to get more creative with the discounts
- Y# \1 T2 @& F& ? Wthey offer on Variable Rate Mortgages. I fully expect to see stronger 8 ?' f$ G: n! F& |- a8 V- ?
competition in the form of creative 'front-end loaded' discounts and 4 J1 y) p4 O# L2 n* V7 e* d* D
teaser rates that make it more confusing to compare an apple to an apple
$ K$ h& G$ J6 R0 [- Fwhen shopping for the best mortgage option. It's going to be another busy , J! w5 f$ S! Y F/ ?3 ?4 Q
spring market and consumers are going to be faced with more choices
+ P+ R/ ~2 u6 p! H8 Zthan ever before. The key, like always, is to get expert advice and
5 w4 D6 H# W& ~8 L5 Uremember you have options. |
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发表于 2006-5-7 20:26
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