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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。: k* p: {: p, a& @/ q2 J0 q v
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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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The following article is written by Peter Kinch.
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: x5 D% g; e4 E2 ^ h. P+ ZSpring Is In The Air! In some markets in Canada it may feel like ) P0 W0 E% c1 G( x5 a
Spring is starting to arrive. Each and every year in late February and 7 x, E$ o' b$ c$ Q8 [7 j
early March, the banks start rolling out their Spring market campaign of % p* ^ S; B8 w& }
new products in an effort to attract new consumers. And, if early signs % O. _- T9 ?4 G5 j3 h( c# [ @6 W+ o
are any indication, we're poised for yet another busy spring. The banks
- S& e6 N) C/ f C- g, n! Kview this as the best time of year to get your attention by coming up 9 J4 q( a8 ^8 Y3 C" c! F+ e- L
with new products or simply putting twists on old ideas.
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$ X( |3 m/ ^4 w) V7 ~1 dOver the next few weeks we'll see a variety of new products and this
& R: A5 D1 e/ u# t0 |- ]: pyear the early theme I'm seeing is banks getting more creative in an 6 M5 b$ C( i* m* V' }
effort to help you borrow more money. This is partly in response to growing
1 O: p6 U# r8 }) T6 J- {concerns about the potential of rising rates. / h7 {' g) l: U
# q {& v6 X' k8 I& p6 e C$ j- `In an effort to take the focus away from rates, look for two lenders to $ A. A" C4 l9 X n/ i7 x
come out with 'True Equity' programs that will allow home buyers the
+ ]: i/ D9 U6 w+ U/ Hability to borrow up to 75% of the equity in their homes without having
: I$ |+ _9 y7 `, _! gto qualify based on their incomes. These programs were previously only
$ d; V% w/ _0 M+ v3 y% Wavailable to self-employed borrowers. Income earners had to either put - [5 e* e& D; E
more money down or pay higher rates. This will now be a mortgage based
! D- y! l0 V8 ?0 G6 `5 xon the equity and the rates will be fully discounted.) f8 d( ]- g1 V- ~4 i" \" f
Another product to keep an eye on is more lenders who will be combining
* m& t% R l% Y; T+ J( xthe mortgage with the line of credit and creating a 'Global borrowing
a3 Z. ^$ K) llimit' that will be re-advanceable. More and more consumers will be u5 a- @9 M# _
looking for these kind of products for tax planning and investment
0 H- i% O4 p. }+ ?strategies. ( K' L% Y3 a% w4 p. v0 v
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And speaking about investors, banks are starting to recognize the
]7 z! |) B2 T" d; r4 O# ^ Sgrowing number of home owners who are buying multiple revenue properties for ! \# @0 q2 L& |9 V
investments and we now have an 'Interest-Only' mortgage available for
" ]: a& Y" U6 ?1 ~% T2 j1 yself-employed borrowers on a 'Stated-income' basis for revenue
' s- G& C! l0 k' N: G# Oproperties. This marks the first time a self-employed individual can use ; w D: o1 X+ i' ^
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 4 S! m7 T3 c1 e0 E4 ? r* B/ ^
reflective of a growing trend towards American-Style lending practices. A prime
0 z7 ?& e5 b4 d) f7 z* Kexample of an American trend influencing our banks will be longer / v( m4 W# d9 u+ u L
amortization periods. Canada has held tight on 25 year amortizations for / h9 M$ T$ X6 F& X6 Q! H7 |" l
years, up until now that is. A few lenders have announced 30 year 6 I1 A: t% h1 s+ r, Y
amortizations on CMHC insured mortgages at fully discounted interest rates.
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M0 t) N; p' k: X, fFinally, in an effort to further take your attention away from the long 2 k( V X: X1 E
term rates, look for lenders to get more creative with the discounts # a: L( Y9 b4 M8 r$ H
they offer on Variable Rate Mortgages. I fully expect to see stronger
9 C2 [, h) o, y; j: c jcompetition in the form of creative 'front-end loaded' discounts and & }! }* \4 ~' N9 U0 Z
teaser rates that make it more confusing to compare an apple to an apple : _) i1 r9 T X/ [
when shopping for the best mortgage option. It's going to be another busy
1 m" x, i9 }+ R- Z( J1 `$ y2 Jspring market and consumers are going to be faced with more choices ( H' C/ O: V: @3 X
than ever before. The key, like always, is to get expert advice and 9 ]) c1 f, S7 [/ q' g! k
remember you have options. |
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