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原帖由 dgg 于 2006-5-8 10:12 发表
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, ^0 d2 s$ T( [# j K谢谢，请继续。* A/ H1 c! J+ i4 _
6 I3 |! U$ U1 h* B+ {5 x
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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/ P" f0 o$ ?+ P) rThe 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 # N( p8 i9 q# {5 j% B
Spring is starting to arrive. Each and every year in late February and
9 v: E% \2 E$ qearly March, the banks start rolling out their Spring market campaign of
7 I, v% p, b# ^1 V+ }4 Nnew products in an effort to attract new consumers. And, if early signs
5 }2 R+ K5 c- Y- ?are any indication, we're poised for yet another busy spring. The banks 0 c5 G3 @2 N' }
view this as the best time of year to get your attention by coming up - D( A' O. N& |' d7 A
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 2 e1 P" h2 q4 ? x" u! Y
year the early theme I'm seeing is banks getting more creative in an
) J0 R( @% ^1 b) ieffort to help you borrow more money. This is partly in response to growing
: P. J: ^5 a! y: e, k. @! N9 gconcerns about the potential of rising rates.
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+ t1 u. r ~/ Y mIn an effort to take the focus away from rates, look for two lenders to
+ ]3 |0 z; y% _1 r1 U& bcome out with 'True Equity' programs that will allow home buyers the ! S4 h4 g9 P+ V; V
ability to borrow up to 75% of the equity in their homes without having
* i" `. h! @% u4 _ sto qualify based on their incomes. These programs were previously only
1 Z! W& X. x) F2 f; Z9 _available to self-employed borrowers. Income earners had to either put $ D0 S6 P* b+ i3 g7 ^
more money down or pay higher rates. This will now be a mortgage based
; L4 k. n- t( L3 V5 ?: S% Don the equity and the rates will be fully discounted.9 @3 `/ b) v. y- l2 N; G
Another product to keep an eye on is more lenders who will be combining 3 y2 e: k4 u! K
the mortgage with the line of credit and creating a 'Global borrowing
/ X0 r7 i7 A& U1 u7 I+ i: flimit' that will be re-advanceable. More and more consumers will be
' N' p/ d* H5 w9 g* ?looking for these kind of products for tax planning and investment
4 F A. M4 l: L% J" w: z2 G0 y. U( }strategies. . }1 Q1 j. `. I, v3 |3 N
" j+ q' j/ c. x# d/ O1 T$ W4 A) jAnd speaking about investors, banks are starting to recognize the ; V2 u# c* b+ U% O! v1 @
growing number of home owners who are buying multiple revenue properties for ; `5 c( Y( v. i# K8 Q) X: ]
investments and we now have an 'Interest-Only' mortgage available for : X. f8 l- s/ H! y8 t
self-employed borrowers on a 'Stated-income' basis for revenue ( x7 f- ?% W% C% ^
properties. This marks the first time a self-employed individual can use 7 [0 j3 l. [' A
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is ' o, \/ j: t/ M2 W
reflective of a growing trend towards American-Style lending practices. A prime
3 G/ S; }' i# I6 Aexample of an American trend influencing our banks will be longer " p: q% a/ {' @; {6 G5 ?. l! D
amortization periods. Canada has held tight on 25 year amortizations for 4 a5 G9 Z- u' v6 L! [( z0 Q& e
years, up until now that is. A few lenders have announced 30 year
+ f- ~0 w, X; Kamortizations on CMHC insured mortgages at fully discounted interest rates.3 ]: T& H' N/ m& E
' R1 B+ Z* |& ]& xFinally, in an effort to further take your attention away from the long
' _5 u) h( B) k1 r2 x% H& x7 M9 fterm rates, look for lenders to get more creative with the discounts
" u/ q3 h7 X" S6 C1 Othey offer on Variable Rate Mortgages. I fully expect to see stronger
+ Q9 r* P/ b- l) zcompetition in the form of creative 'front-end loaded' discounts and
0 p p/ s" S4 P0 z+ n9 W A9 \" kteaser rates that make it more confusing to compare an apple to an apple
% C& X& }: L A! Lwhen shopping for the best mortgage option. It's going to be another busy 6 v0 ?0 ~' u$ m$ ?( a
spring market and consumers are going to be faced with more choices / J' e4 S8 R, ?* U2 j a- y/ c
than ever before. The key, like always, is to get expert advice and ! V* y+ E6 \; \8 E2 m8 A$ c
remember you have options. |
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发表于 2006-5-7 20:26
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