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原帖由 dgg 于 2006-5-8 10:12 发表& n9 r/ @+ Y7 o! B0 ?# t s
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7 R! A6 _0 P& Q7 ?谢谢，请继续。2 _, ?: c( Y- d4 |& a4 Q( Z
! O, q8 _5 z* x: l+ E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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8 j7 H3 k0 @* @% C1 o6 gThe following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like
! {4 W! ?3 }3 y. e# ISpring is starting to arrive. Each and every year in late February and ( X% B) J1 |6 d0 j
early March, the banks start rolling out their Spring market campaign of $ v. @( k6 T- i9 m5 [
new products in an effort to attract new consumers. And, if early signs # {3 h5 V( d7 G1 ?" b' s, W4 e
are any indication, we're poised for yet another busy spring. The banks
. n3 C- u' J6 k. V. e$ U# Xview this as the best time of year to get your attention by coming up
& t! l- }- y2 [4 j+ V# ywith new products or simply putting twists on old ideas. * n9 Y2 h$ l. x6 @! R9 S
; d5 y- T6 ?# y9 i; x# _0 FOver the next few weeks we'll see a variety of new products and this . v U( ]' S! @
year the early theme I'm seeing is banks getting more creative in an
/ H7 a" ?- s4 e, S ^effort to help you borrow more money. This is partly in response to growing
! {/ O1 V1 d- R G# F% ] Bconcerns about the potential of rising rates. " r7 m* a. u" `' y
6 H' a$ A5 y/ k9 o) xIn an effort to take the focus away from rates, look for two lenders to
3 l. J8 D' X# |6 @come out with 'True Equity' programs that will allow home buyers the
% Y1 \2 r V3 M% C' Oability to borrow up to 75% of the equity in their homes without having
: J! e Q P# nto qualify based on their incomes. These programs were previously only 1 f/ W% M% @9 `8 b3 j
available to self-employed borrowers. Income earners had to either put 2 B7 v, t0 C8 y6 `
more money down or pay higher rates. This will now be a mortgage based
7 A# b1 }0 v8 F' C2 Eon the equity and the rates will be fully discounted.
! s! o/ B+ f( S0 x# q! L$ Q" [* N2 nAnother product to keep an eye on is more lenders who will be combining ' B! H# {1 ^+ V: { A* B: ]
the mortgage with the line of credit and creating a 'Global borrowing ( E0 U8 U- y9 o$ \0 C
limit' that will be re-advanceable. More and more consumers will be
0 _2 Q& L! M$ a6 q. Q- O# X6 E4 }looking for these kind of products for tax planning and investment & z# t+ d, g" u% O" m: ]. A$ G
strategies.
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4 n* r1 J. Y+ `+ b% j7 G' mAnd speaking about investors, banks are starting to recognize the F: v4 X. d- r3 h$ m1 n% ?4 b6 ~ s: {
growing number of home owners who are buying multiple revenue properties for
. `8 R# W: s/ X+ tinvestments and we now have an 'Interest-Only' mortgage available for $ U J# r: s8 n* r( W* T0 f
self-employed borrowers on a 'Stated-income' basis for revenue
6 y+ ]2 B/ w1 c h5 x0 Uproperties. This marks the first time a self-employed individual can use 3 D" o4 [) q$ }: i
'stated-income' to qualify for a revenue property. # X! l: ~ C& d, d; N* W
6 x. h1 c6 z- b4 TThe interest rates will be higher for this product, but it is u& ]! A% k# r- l/ D$ K
reflective of a growing trend towards American-Style lending practices. A prime ) \1 R4 x8 w6 ^4 U) G2 D( s2 c5 v
example of an American trend influencing our banks will be longer
5 o( S& w$ J2 {2 t/ e1 l: lamortization periods. Canada has held tight on 25 year amortizations for * O% L, t% A% }
years, up until now that is. A few lenders have announced 30 year # A3 A% l0 |. w2 \" M
amortizations on CMHC insured mortgages at fully discounted interest rates.$ f( b' s7 _' w0 j- O
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Finally, in an effort to further take your attention away from the long $ S& F' f) j! _2 N! S! O
term rates, look for lenders to get more creative with the discounts
% ^% f8 I4 Z4 A/ e3 k% n8 [* vthey offer on Variable Rate Mortgages. I fully expect to see stronger A: B" G% j7 k4 M+ ?" o3 u0 Q" f5 ?
competition in the form of creative 'front-end loaded' discounts and 9 L& ^6 P/ p" {0 l
teaser rates that make it more confusing to compare an apple to an apple 1 ?7 ?" j) _- ]; m
when shopping for the best mortgage option. It's going to be another busy 5 O! G# C1 q$ m( a2 A" {
spring market and consumers are going to be faced with more choices / F: A1 A7 T/ R G k
than ever before. The key, like always, is to get expert advice and 6 W Q% F7 J4 j7 o
remember you have options. |
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发表于 2006-5-7 20:26
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