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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。
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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.7 H1 Z- r5 ~& j" Y. S8 P! w: F! H
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Spring Is In The Air! In some markets in Canada it may feel like ; R6 b9 V) }* |0 Z
Spring is starting to arrive. Each and every year in late February and % X) `$ P: g/ j+ ~9 g
early March, the banks start rolling out their Spring market campaign of ; m; ?2 u$ ]; D( e' R8 J6 C
new products in an effort to attract new consumers. And, if early signs : v4 u& w L! N h. v! {
are any indication, we're poised for yet another busy spring. The banks 6 o' q/ x6 n( Z, o) Q* R
view this as the best time of year to get your attention by coming up
0 k) ^4 T! v+ M# j$ E) e5 b$ U$ uwith 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
% d n* ^ p, m8 y8 ?, n. \year the early theme I'm seeing is banks getting more creative in an
: f+ E. [1 _7 w0 Z N- c" m Xeffort to help you borrow more money. This is partly in response to growing
' @+ E; X W% d- u, \concerns about the potential of rising rates. ( _3 t$ S+ ], \6 R" p6 ?! J0 \
; N9 w9 O/ Y' K% U0 sIn an effort to take the focus away from rates, look for two lenders to
) [# w- N2 J* s, gcome out with 'True Equity' programs that will allow home buyers the " r$ D. P8 E) U1 @) a
ability to borrow up to 75% of the equity in their homes without having 3 c' f' t3 [- l ]; f0 F( \
to qualify based on their incomes. These programs were previously only ) P5 k0 r# h, Z7 {% E% z9 D
available to self-employed borrowers. Income earners had to either put
& W) s! h! Q5 q2 qmore money down or pay higher rates. This will now be a mortgage based
4 `) ^& J! E3 n- i& ~on the equity and the rates will be fully discounted.
; Y9 \: H% r& k( Q/ oAnother product to keep an eye on is more lenders who will be combining
4 y& z% Z% [5 z" h1 t6 jthe mortgage with the line of credit and creating a 'Global borrowing
* R& r% ~6 W# x$ k6 K- N' qlimit' that will be re-advanceable. More and more consumers will be 7 [3 a: [0 {9 W7 O8 }! m
looking for these kind of products for tax planning and investment , I9 {( H$ ]2 R* G3 K) C
strategies.
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And speaking about investors, banks are starting to recognize the
: S! X1 ?) b4 ygrowing number of home owners who are buying multiple revenue properties for
) V! z3 }! b9 W2 y, qinvestments and we now have an 'Interest-Only' mortgage available for ; N' B1 a, K( D! X' V
self-employed borrowers on a 'Stated-income' basis for revenue ' D- A0 }& ^+ Y. a, u4 |* I- c
properties. This marks the first time a self-employed individual can use & t5 W- D5 t' z# C2 D6 L8 ?; j$ p1 C 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
z% N8 s+ L% x8 f4 G2 x# ]reflective of a growing trend towards American-Style lending practices. A prime 0 Z# B1 S9 l+ K7 V6 ]4 T1 T
example of an American trend influencing our banks will be longer
" I, i6 f. {& U. w" R! w1 W9 |amortization periods. Canada has held tight on 25 year amortizations for
$ t8 e# B$ u( C2 g' ]9 H( Uyears, up until now that is. A few lenders have announced 30 year % m+ T( w' O/ C! {8 @1 h
amortizations on CMHC insured mortgages at fully discounted interest rates.
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& Y. [- m& M. r# f) pFinally, in an effort to further take your attention away from the long 2 T3 C2 n+ V' z+ E1 s2 q
term rates, look for lenders to get more creative with the discounts 7 }/ Z/ C6 C( _( o) b
they offer on Variable Rate Mortgages. I fully expect to see stronger
' W2 X" `5 e5 V+ j( J; N4 qcompetition in the form of creative 'front-end loaded' discounts and
2 E( j$ e% y% l6 P ] S6 C% }teaser rates that make it more confusing to compare an apple to an apple
9 o1 s# L4 j" Q; hwhen shopping for the best mortgage option. It's going to be another busy
/ x2 f& m: I7 P" Q; t4 L6 @spring market and consumers are going to be faced with more choices
3 k. B" U \4 w' G# ^! bthan ever before. The key, like always, is to get expert advice and
* `$ M" v" c9 m* Yremember you have options. |
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发表于 2006-5-7 20:26
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