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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。$ C7 }- g' ^# w s: `( x# L
- o7 v n" L8 r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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1 |( G9 M/ Q, ?$ U) qThe following article is written by Peter Kinch.6 R% U9 n# \ D* y
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Spring Is In The Air! In some markets in Canada it may feel like & u4 @( ]3 }; ^0 w
Spring is starting to arrive. Each and every year in late February and
, ~- j3 m) o l l$ h/ C: [) uearly March, the banks start rolling out their Spring market campaign of
) j! N/ f. {4 K. x* m" `new products in an effort to attract new consumers. And, if early signs $ n. \6 P! @+ Z- \% w' t
are any indication, we're poised for yet another busy spring. The banks * S6 { z8 h6 E' w
view this as the best time of year to get your attention by coming up % i S: h( B* _" [5 r
with new products or simply putting twists on old ideas.
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/ ~7 P q8 F9 t Z' tOver the next few weeks we'll see a variety of new products and this ( ?; [2 R4 X& I Z" ?2 X
year the early theme I'm seeing is banks getting more creative in an
0 o6 q2 k0 K/ z1 d' e3 Eeffort to help you borrow more money. This is partly in response to growing
! k: A) J) W, ]6 {# Jconcerns 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 1 |0 Q. c, T& J3 J9 p4 w
come out with 'True Equity' programs that will allow home buyers the 1 h1 \- H1 v1 ~
ability to borrow up to 75% of the equity in their homes without having 5 y6 y) S+ ]3 b8 ?! m5 a
to qualify based on their incomes. These programs were previously only & Y, [) d/ |9 G) \3 `. @
available to self-employed borrowers. Income earners had to either put
' j, I4 M: i# r/ ]' a8 ~1 X ]4 hmore money down or pay higher rates. This will now be a mortgage based
' V& B* F! Q! e. |/ l6 M& ~6 K( xon the equity and the rates will be fully discounted.: C2 N: U1 C' r+ O# t* g6 p/ t
Another product to keep an eye on is more lenders who will be combining P8 U' P5 Z. c3 c) z Y7 a
the mortgage with the line of credit and creating a 'Global borrowing 3 i1 y, S8 R- ~2 u; I5 E% Y3 S
limit' that will be re-advanceable. More and more consumers will be 5 w% }- ]5 {4 A
looking for these kind of products for tax planning and investment & I8 q# f: u% o$ s) }2 |8 @
strategies. 0 |- a0 a1 j/ H/ Y
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And speaking about investors, banks are starting to recognize the
4 l, M# G( J+ j6 r8 h( ?3 O& q+ ygrowing number of home owners who are buying multiple revenue properties for
7 E, x- o: ~8 Ainvestments and we now have an 'Interest-Only' mortgage available for $ y% q3 ?7 w ~" e5 C) t
self-employed borrowers on a 'Stated-income' basis for revenue : P% g e/ Y# A3 d
properties. This marks the first time a self-employed individual can use $ G" a7 O5 k8 B* H& b: {' T7 _
'stated-income' to qualify for a revenue property.
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% S Q6 D, c+ Z+ _3 [The interest rates will be higher for this product, but it is ! R# O0 ^( S/ s$ H( P9 y/ r0 p
reflective of a growing trend towards American-Style lending practices. A prime
* h6 ^8 ?, b# ]7 l1 pexample of an American trend influencing our banks will be longer
9 A- P+ S: B1 S' z1 p: X) A: gamortization periods. Canada has held tight on 25 year amortizations for
4 N; ~8 o1 g" V! `1 e9 p/ M* vyears, up until now that is. A few lenders have announced 30 year 0 b$ O, X: x- k$ y0 u7 w Y) g) `
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long 1 Y0 k& x3 W2 x6 S" ~' W
term rates, look for lenders to get more creative with the discounts
s# m9 M! P! m1 B, A& c6 D* }0 qthey offer on Variable Rate Mortgages. I fully expect to see stronger
1 N& R8 `" H) M! U7 f- Ecompetition in the form of creative 'front-end loaded' discounts and
/ A+ w: T& p! Q, Vteaser rates that make it more confusing to compare an apple to an apple
8 h2 o! P$ W3 E7 P( B& [# bwhen shopping for the best mortgage option. It's going to be another busy " b/ n2 E: {. d3 w2 g8 K9 C
spring market and consumers are going to be faced with more choices
! s) e( d2 ^" {, @5 Kthan ever before. The key, like always, is to get expert advice and
) c. B( m. Y7 sremember you have options. |
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