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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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0 ~0 V+ g6 G/ v! [, S4 ^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。
$ l+ u( v5 @; g3 {" m ~4 k8 E) xThe following article is written by Peter Kinch.1 |2 `/ }' D3 n9 }3 F& f' Y
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Spring Is In The Air! In some markets in Canada it may feel like + i( v7 A* b+ f" ?7 a5 { O% e
Spring is starting to arrive. Each and every year in late February and : F: P+ U8 @9 Z r6 X' Y) H* p- _
early March, the banks start rolling out their Spring market campaign of D- H' s, Q# u
new products in an effort to attract new consumers. And, if early signs 9 S; h" t [# A( n0 o) G2 M& l: [+ p8 m
are any indication, we're poised for yet another busy spring. The banks - q; _# T2 w8 @# A5 s% j
view this as the best time of year to get your attention by coming up
+ \0 n I( j+ ` X5 ywith 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 " v9 m8 W- ^# d- i% f
year the early theme I'm seeing is banks getting more creative in an
, e3 B& d3 c4 N% ~0 `+ Deffort to help you borrow more money. This is partly in response to growing 6 _+ X5 a1 U' q" _% T& j
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 & z9 D# S' Z$ J- Z4 c& g& p
come out with 'True Equity' programs that will allow home buyers the - |9 R+ d" ~& e& k4 v9 U' N8 K
ability to borrow up to 75% of the equity in their homes without having
5 J6 y7 J6 \) o, {7 wto qualify based on their incomes. These programs were previously only 9 D' g. N; n, j* o" U
available to self-employed borrowers. Income earners had to either put 5 Z7 w8 @9 N# g& t% D
more money down or pay higher rates. This will now be a mortgage based 3 {% h# o3 R$ b' x7 H8 R
on the equity and the rates will be fully discounted.
8 d! @/ f A* R6 H2 wAnother product to keep an eye on is more lenders who will be combining 6 ?0 @4 t6 i8 v2 S& I8 p. ~
the mortgage with the line of credit and creating a 'Global borrowing . z9 B" y8 R2 a5 V2 l4 C
limit' that will be re-advanceable. More and more consumers will be
9 t, y# d3 M4 q" ^9 vlooking for these kind of products for tax planning and investment # v( C/ z Q7 u8 U8 ~
strategies.
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And speaking about investors, banks are starting to recognize the * }2 A1 |& l9 O$ Q3 p w8 Y. ^# D
growing number of home owners who are buying multiple revenue properties for 2 S8 v9 U# \8 t4 @1 C+ W! e
investments and we now have an 'Interest-Only' mortgage available for
+ a* O2 T* P5 U8 ?8 d1 oself-employed borrowers on a 'Stated-income' basis for revenue
9 M4 @( _( @0 |: U8 P* Tproperties. This marks the first time a self-employed individual can use . |1 u- g9 g/ A: E0 c, x- T
'stated-income' to qualify for a revenue property. * `0 W$ Y: }5 s R \9 ?9 I3 r
. \- _; e0 V9 Z% Z7 eThe interest rates will be higher for this product, but it is : ]* ]4 m0 d4 x* l6 g* A
reflective of a growing trend towards American-Style lending practices. A prime
6 l$ k$ \! u# G, x1 E( K7 jexample of an American trend influencing our banks will be longer # n2 h% F) J% U8 c1 o
amortization periods. Canada has held tight on 25 year amortizations for
- t% U3 \, S' J+ U: dyears, up until now that is. A few lenders have announced 30 year
5 m3 W3 j! T; S) e' Vamortizations on CMHC insured mortgages at fully discounted interest rates.7 M5 ~9 s2 S4 v* q* `9 C
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Finally, in an effort to further take your attention away from the long
) d1 x; s" {* y( O2 Aterm rates, look for lenders to get more creative with the discounts
, D# H4 k- L6 Q) S6 ~) r" nthey offer on Variable Rate Mortgages. I fully expect to see stronger ( u- B; A/ H2 X
competition in the form of creative 'front-end loaded' discounts and ! r) g9 }* G8 `, o- ^
teaser rates that make it more confusing to compare an apple to an apple
( c" [- u( t" Q! mwhen shopping for the best mortgage option. It's going to be another busy 9 f% H: L, p# Z/ V- `
spring market and consumers are going to be faced with more choices ) F, [9 C+ j$ V- `+ I* W5 u
than ever before. The key, like always, is to get expert advice and
* D2 \+ K7 p! @; lremember you have options. |
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发表于 2006-5-7 20:26
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