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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 `' h4 Y, L5 M6 ]; t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。
% f3 m( }! O+ F! R/ GThe following article is written by Peter Kinch.' s* c- E3 t6 {& d# V2 B* B3 K
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Spring Is In The Air! In some markets in Canada it may feel like
! g+ R4 y! ?9 }' V; T/ |! uSpring is starting to arrive. Each and every year in late February and
7 P, M; `( n- b2 U4 ^8 Tearly March, the banks start rolling out their Spring market campaign of
+ m4 [3 |) |0 Y* N4 z2 N4 s& H$ lnew products in an effort to attract new consumers. And, if early signs , L+ Z1 Y; N9 F: D7 P
are any indication, we're poised for yet another busy spring. The banks 0 p% m/ r' d4 R# @8 J
view this as the best time of year to get your attention by coming up
$ X: f) y$ t0 M8 Y" nwith new products or simply putting twists on old ideas.
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* ^+ U" ]0 T$ M, K3 {) dOver the next few weeks we'll see a variety of new products and this ' B1 i8 K3 R. e# c6 ^ B
year the early theme I'm seeing is banks getting more creative in an & e* q+ w: n( L& }
effort to help you borrow more money. This is partly in response to growing 4 v5 }( o! E$ O( j$ R
concerns about the potential of rising rates. 2 h7 n3 p( p9 N6 t& J
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In an effort to take the focus away from rates, look for two lenders to ; E4 Q: Y/ e. W7 p
come out with 'True Equity' programs that will allow home buyers the 4 | \( I+ J/ n7 h8 ]7 X F
ability to borrow up to 75% of the equity in their homes without having 6 \; M# ~, c$ s* ~* c1 ^
to qualify based on their incomes. These programs were previously only e7 K+ [ Z1 p6 {. ]3 g
available to self-employed borrowers. Income earners had to either put
b, h _& x( a" o: y- F. omore money down or pay higher rates. This will now be a mortgage based
- L& `0 b3 X# A7 R) pon the equity and the rates will be fully discounted./ f+ Y% O* A/ h9 J$ \
Another product to keep an eye on is more lenders who will be combining ; c4 z1 u! N7 {4 y0 T
the mortgage with the line of credit and creating a 'Global borrowing + M: D% b* w; i9 n! S- w! q
limit' that will be re-advanceable. More and more consumers will be
[* w- o3 [& |) j6 blooking for these kind of products for tax planning and investment 8 B f5 O; l( w4 K2 r
strategies. 9 h: q# A; m7 H2 Z
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And speaking about investors, banks are starting to recognize the ) _$ U1 _* P) P# O' Y2 O
growing number of home owners who are buying multiple revenue properties for
2 [) `) S/ `& O1 I) }$ Pinvestments and we now have an 'Interest-Only' mortgage available for
# K% }1 s* w. C2 N7 t7 c$ W" A8 @self-employed borrowers on a 'Stated-income' basis for revenue $ b5 B+ i5 Q, q- E+ ~- q7 _
properties. This marks the first time a self-employed individual can use # _% Z i; q1 u9 C1 B& _( ?
'stated-income' to qualify for a revenue property.
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% L8 }* \( W/ }3 @" mThe interest rates will be higher for this product, but it is
8 P6 T" w" `+ R& J0 areflective of a growing trend towards American-Style lending practices. A prime + g7 g" Y+ X# |/ m, v* |% `8 u
example of an American trend influencing our banks will be longer
8 M! z2 p0 I/ aamortization periods. Canada has held tight on 25 year amortizations for 8 ]% M) H, S; N% ^
years, up until now that is. A few lenders have announced 30 year
9 f* W- z9 I; c# ~, [6 u1 tamortizations on CMHC insured mortgages at fully discounted interest rates.& a6 M; V3 B* h
) R0 J5 D; I/ q3 C$ p8 m2 sFinally, in an effort to further take your attention away from the long 9 W, v! ]5 ^ R. m
term rates, look for lenders to get more creative with the discounts 3 c: K7 }$ Y6 [1 _* w. g+ G( Z" `
they offer on Variable Rate Mortgages. I fully expect to see stronger
# ?8 j4 k$ U3 K# | Gcompetition in the form of creative 'front-end loaded' discounts and ' S' ]8 V8 q. _8 m. z+ t
teaser rates that make it more confusing to compare an apple to an apple
& i) p1 Y& K4 M% Q" \when shopping for the best mortgage option. It's going to be another busy 6 ` l; \4 l! {0 ] W" W
spring market and consumers are going to be faced with more choices + i1 a) o' X. ^4 l0 D4 ~
than ever before. The key, like always, is to get expert advice and
4 p+ ?+ W2 _6 G; V# n* B4 t, S) l! h% fremember you have options. |
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