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原帖由 dgg 于 2006-5-8 10:12 发表7 x* g4 j% ]1 e2 {
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谢谢，请继续。
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8 C3 K+ K; Q% W& I. b" P3 f& j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.& t: K* X/ J6 y5 s
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Spring Is In The Air! In some markets in Canada it may feel like - r; }: a' N, A8 z2 L. d& Z) i
Spring is starting to arrive. Each and every year in late February and " V+ Y, R! {9 P8 X4 s$ y
early March, the banks start rolling out their Spring market campaign of
& H5 _3 |( E5 w" R3 tnew products in an effort to attract new consumers. And, if early signs
+ d8 K/ Q. \# k8 E: fare any indication, we're poised for yet another busy spring. The banks 7 o. O) N0 o- u
view this as the best time of year to get your attention by coming up ' T) D# \/ x/ M9 `6 D9 |9 I
with 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
4 [5 J. e k1 h$ A3 Jyear the early theme I'm seeing is banks getting more creative in an
$ l* \8 Q% w/ Geffort to help you borrow more money. This is partly in response to growing
6 \ Y" l7 [" L( W/ l" D0 J( K" uconcerns about the potential of rising rates. 0 ~: L* ^+ E4 X4 l9 D- x) @. L
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In an effort to take the focus away from rates, look for two lenders to 1 g# z7 }- d' U, ^3 H
come out with 'True Equity' programs that will allow home buyers the
1 ^+ ^) L; f7 I& d9 g1 |ability to borrow up to 75% of the equity in their homes without having
* l! B/ z4 P, H9 s5 {* g; z. n/ Cto qualify based on their incomes. These programs were previously only # e1 a F2 H) t
available to self-employed borrowers. Income earners had to either put ! G+ r" g i; ?, S4 d
more money down or pay higher rates. This will now be a mortgage based
& |( t: c+ L2 A# {# M) Son the equity and the rates will be fully discounted.
6 _2 s& D7 E0 Z" a" XAnother product to keep an eye on is more lenders who will be combining : X8 q/ R4 T2 }2 ` s6 D$ J3 `
the mortgage with the line of credit and creating a 'Global borrowing
$ D) P+ t& P' ~& l6 t# T9 llimit' that will be re-advanceable. More and more consumers will be 9 h4 ^. t E% z( x" _
looking for these kind of products for tax planning and investment * C6 ]3 |( f# q. ]8 ~
strategies.
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1 m4 L4 k0 r5 K" w* O& sAnd speaking about investors, banks are starting to recognize the 4 x9 b# T1 V: ^' }
growing number of home owners who are buying multiple revenue properties for
4 u/ m: ?5 K/ f7 \investments and we now have an 'Interest-Only' mortgage available for
5 J* {" s4 H! A3 Q5 xself-employed borrowers on a 'Stated-income' basis for revenue % D# g/ m; c* v; h" D L
properties. This marks the first time a self-employed individual can use ' ^7 L- H* b& S+ u2 d$ B# K
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
( i* N8 V4 K$ R; }9 xreflective of a growing trend towards American-Style lending practices. A prime 7 r6 N1 A1 \6 F& c
example of an American trend influencing our banks will be longer % w- Y! @8 O# I( J
amortization periods. Canada has held tight on 25 year amortizations for
5 ~. V7 W6 R' H5 Kyears, up until now that is. A few lenders have announced 30 year
# R5 ?! h3 Y! }( Famortizations on CMHC insured mortgages at fully discounted interest rates., B5 G+ p9 w7 }5 |: C% H% E- m3 b
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Finally, in an effort to further take your attention away from the long 4 M' s! ]1 m9 L$ a" F+ P# T
term rates, look for lenders to get more creative with the discounts " ]5 w. j" L- r
they offer on Variable Rate Mortgages. I fully expect to see stronger : u/ z. e; N# X8 U2 ~, {& j
competition in the form of creative 'front-end loaded' discounts and . s: a5 X6 Y5 ^! N. \* }4 D
teaser rates that make it more confusing to compare an apple to an apple & r, I( Q) J$ O. Z
when shopping for the best mortgage option. It's going to be another busy
6 }5 m/ v5 {8 w6 f9 x! x: P6 Xspring market and consumers are going to be faced with more choices ' U7 O0 P( D! U) @
than ever before. The key, like always, is to get expert advice and . W% r) k7 d0 i. M: `- t4 S
remember you have options. |
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发表于 2006-5-7 20:26
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