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原帖由 dgg 于 2006-5-8 10:12 发表) B O; W) r! H$ m. |
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谢谢，请继续。' i4 t4 y! m, a8 _. {+ N6 a) @
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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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/ H4 v3 q, B0 r0 q; K& n/ j3 }The following article is written by Peter Kinch.7 C7 n# P8 U7 I- u
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Spring Is In The Air! In some markets in Canada it may feel like
) T% J: ^3 M3 Z2 n! s+ p- BSpring is starting to arrive. Each and every year in late February and
2 B3 T% A; E0 F0 @early March, the banks start rolling out their Spring market campaign of
5 z! P5 B% l# E0 jnew products in an effort to attract new consumers. And, if early signs 8 u8 D7 n2 J" S/ h7 x- k, w
are any indication, we're poised for yet another busy spring. The banks
! t. A& U [! i2 m% m3 o6 Zview this as the best time of year to get your attention by coming up % L" Q, \: b7 B) e8 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 . k7 N9 m& D- X" ]' q4 t
year the early theme I'm seeing is banks getting more creative in an ) ~0 b/ D; N3 \: ?$ J- b$ m
effort to help you borrow more money. This is partly in response to growing 5 q% Y$ i( w( P b& L6 P
concerns about the potential of rising rates. + U; w+ ?7 q7 y5 }2 O( D8 O- X: P
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In an effort to take the focus away from rates, look for two lenders to
; R' r" ~1 J% kcome out with 'True Equity' programs that will allow home buyers the ]/ ^1 @. w7 }2 y1 R+ O' h
ability to borrow up to 75% of the equity in their homes without having ( @+ j' `' [$ o/ h1 `
to qualify based on their incomes. These programs were previously only
" l1 u1 s# p" k4 B. javailable to self-employed borrowers. Income earners had to either put
! J: U x& ^2 _more money down or pay higher rates. This will now be a mortgage based 3 \1 ]2 J( Y6 P
on the equity and the rates will be fully discounted." V3 X8 u" Y' R7 ?; m; u& @. m
Another product to keep an eye on is more lenders who will be combining
& C+ ^5 i5 X: n6 ] V, n$ F& m& Pthe mortgage with the line of credit and creating a 'Global borrowing
) e2 x6 R7 U( ]limit' that will be re-advanceable. More and more consumers will be
( s: f$ C; s1 Ulooking for these kind of products for tax planning and investment : b1 i3 Q- {1 Y# s( {( K4 C
strategies. : c" z# s" t, O4 ~5 c! O- h! w
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And speaking about investors, banks are starting to recognize the
5 ]7 z6 f! g% e, X$ w* y2 a, vgrowing number of home owners who are buying multiple revenue properties for
% l6 P: ?) x7 ]- L t3 linvestments and we now have an 'Interest-Only' mortgage available for
% l V/ [# l* E$ Mself-employed borrowers on a 'Stated-income' basis for revenue 5 e4 A& R& F* t5 N. W. p6 P' J# B2 A
properties. This marks the first time a self-employed individual can use
. X3 \; u# E9 X) k0 D& W, k( g5 g& z'stated-income' to qualify for a revenue property.
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) ~* Q& u5 f; G. Q1 `: o6 EThe interest rates will be higher for this product, but it is ) p% F+ J+ q, b0 b8 V) Q
reflective of a growing trend towards American-Style lending practices. A prime / Z, A: [3 o6 g4 f: K P
example of an American trend influencing our banks will be longer 9 \! t; }* c: t
amortization periods. Canada has held tight on 25 year amortizations for
$ v! P8 b9 l( `years, up until now that is. A few lenders have announced 30 year . j& t) G* ^* R( ^9 O8 s
amortizations on CMHC insured mortgages at fully discounted interest rates.. o Q4 b4 A. L" w
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Finally, in an effort to further take your attention away from the long
/ F M2 ~; s [; _5 y. Mterm rates, look for lenders to get more creative with the discounts # @& r$ o; B2 a# a) L
they offer on Variable Rate Mortgages. I fully expect to see stronger
. u4 c) [9 {) m0 {- ^competition in the form of creative 'front-end loaded' discounts and % ]2 I, ?6 l; N
teaser rates that make it more confusing to compare an apple to an apple
' K- K. w* Z. a2 u8 d* kwhen shopping for the best mortgage option. It's going to be another busy
7 F- ^2 t- q, N7 b' Mspring market and consumers are going to be faced with more choices 8 o, M, k4 V. o( b' ?
than ever before. The key, like always, is to get expert advice and $ ]) _9 a, t' T" L, W7 a) q
remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
发表于 2006-5-7 22:22
