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原帖由 dgg 于 2006-5-8 10:12 发表/ U& C1 i. N" N% |+ P4 `
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谢谢，请继续。, x C% k: d/ M+ ?
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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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6 f; W; ^7 D3 S9 A5 Q9 N1 VThe following article is written by Peter Kinch.
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: j) d' d& p M# |+ o1 R& ^1 kSpring Is In The Air! In some markets in Canada it may feel like
* l- c3 k. j: SSpring is starting to arrive. Each and every year in late February and
3 a" s: v6 x4 t Zearly March, the banks start rolling out their Spring market campaign of
) [2 F4 R3 ^, m4 ]8 q& @new products in an effort to attract new consumers. And, if early signs 4 u' A! p0 V$ O p: R1 w. O; K
are any indication, we're poised for yet another busy spring. The banks
, r+ ]1 Q6 g* o3 a7 Vview this as the best time of year to get your attention by coming up
# ^/ B) T6 w: _! |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
+ ^: t2 H' O9 l# d2 s% Y0 I; A7 Myear the early theme I'm seeing is banks getting more creative in an
* t% B% I+ x( `9 b9 w1 Reffort to help you borrow more money. This is partly in response to growing 8 |4 F2 E0 S, H1 ]& d/ D3 S3 _' T
concerns 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
7 F" b Q2 X$ g* \come out with 'True Equity' programs that will allow home buyers the & B6 U) Y6 }6 @* O5 j
ability to borrow up to 75% of the equity in their homes without having
% E2 j$ a9 j9 Kto qualify based on their incomes. These programs were previously only
2 t0 E+ g# Y5 E2 Aavailable to self-employed borrowers. Income earners had to either put
: E$ F+ J' b3 B8 k1 t% }) ~more money down or pay higher rates. This will now be a mortgage based
9 ]4 _' g; i- K/ o, l; O% ~; mon the equity and the rates will be fully discounted.' e1 i+ f; W' A( X5 J6 f
Another product to keep an eye on is more lenders who will be combining
. w* n( R$ K! p, L9 B3 P. Z2 Wthe mortgage with the line of credit and creating a 'Global borrowing ! \4 c7 n% P- A- n, s
limit' that will be re-advanceable. More and more consumers will be 3 {9 D6 g1 m" ^5 `6 }5 W
looking for these kind of products for tax planning and investment
, V# A/ v b6 [- X3 Astrategies. % d' k* K* N/ Y% u& i' i
" a( o. n5 M* `' A5 P: h- {And speaking about investors, banks are starting to recognize the
, V% v# k/ w& o2 dgrowing number of home owners who are buying multiple revenue properties for ' @- b2 D( r" Q9 X' _
investments and we now have an 'Interest-Only' mortgage available for
& d' \* g9 A" s7 Mself-employed borrowers on a 'Stated-income' basis for revenue
- w% _; D) w6 @1 ?3 fproperties. This marks the first time a self-employed individual can use
0 ?: J' `% r" C$ M0 u0 {2 ^8 G'stated-income' to qualify for a revenue property. : b' X! K/ F5 p1 _3 q0 K5 e7 y' m! a
9 G$ ]; X+ `) Y7 J7 P1 i) M' w( UThe interest rates will be higher for this product, but it is 0 P* D" |6 ]# D; F! S; Y! f& K
reflective of a growing trend towards American-Style lending practices. A prime
7 u6 O3 q3 h; B6 {0 uexample of an American trend influencing our banks will be longer
8 |8 F2 o9 [& o- R; X. `, bamortization periods. Canada has held tight on 25 year amortizations for 1 o, ?! K5 k. p/ S
years, up until now that is. A few lenders have announced 30 year . Y7 r6 x$ [5 w8 {0 w
amortizations on CMHC insured mortgages at fully discounted interest rates.
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, y$ T9 S! t* M) p) L. T- X R) b; sFinally, in an effort to further take your attention away from the long
& q6 W6 @+ g7 Y; K4 a# j# Uterm rates, look for lenders to get more creative with the discounts
2 g L# t! h) q# F' B( p1 P$ tthey offer on Variable Rate Mortgages. I fully expect to see stronger 1 A/ A. H2 d" h Q
competition in the form of creative 'front-end loaded' discounts and , _4 [) E) D& c( |
teaser rates that make it more confusing to compare an apple to an apple
9 B/ o* ^/ c% k2 g3 C3 m$ mwhen shopping for the best mortgage option. It's going to be another busy ) y7 [& g+ W- A5 G3 @) H
spring market and consumers are going to be faced with more choices
8 \4 m; _+ {9 m. n. L( @' uthan ever before. The key, like always, is to get expert advice and + @: k. G6 u, ?$ O
remember you have options. |
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发表于 2006-5-7 20:26
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