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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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! m% U5 i% Y2 O7 n6 n4 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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2 A4 O1 F/ {, g( d! F# Y1 s- VThe following article is written by Peter Kinch." v/ B; d8 p3 M& e
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Spring Is In The Air! In some markets in Canada it may feel like
2 s; e+ w- Y; K- |Spring is starting to arrive. Each and every year in late February and ' [# y" c# b% l+ h* |7 G3 Y
early March, the banks start rolling out their Spring market campaign of ! P' @) M. U! a% w) C
new products in an effort to attract new consumers. And, if early signs 2 n, n6 L, r; }, u9 k; {1 w
are any indication, we're poised for yet another busy spring. The banks
' w+ M) ]/ a$ o: z! ^" iview this as the best time of year to get your attention by coming up 3 p2 d# y7 K) x# Q9 b$ c
with new products or simply putting twists on old ideas.
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/ r1 G' t6 R, y# X JOver the next few weeks we'll see a variety of new products and this
' J- K4 @% p2 {+ t+ ]% z* q; tyear the early theme I'm seeing is banks getting more creative in an + p$ U% Y+ ~0 @8 V
effort to help you borrow more money. This is partly in response to growing
+ f# q6 N) B1 K! x9 T. J. X- |concerns about the potential of rising rates.
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" _. n1 d! ~# [4 Y; p# H# e0 |: jIn an effort to take the focus away from rates, look for two lenders to
$ _ c% d1 F) A! y% Mcome out with 'True Equity' programs that will allow home buyers the - b. W' a2 n3 u1 e
ability to borrow up to 75% of the equity in their homes without having
; p0 {+ [* e7 q0 I1 O/ Zto qualify based on their incomes. These programs were previously only
) L* D+ k U# P( d& U0 V" {available to self-employed borrowers. Income earners had to either put
. G$ r. R4 m7 V+ q: imore money down or pay higher rates. This will now be a mortgage based
& x' B. T9 K# m- N' S W- Eon the equity and the rates will be fully discounted.
7 g5 B$ }/ f" \Another product to keep an eye on is more lenders who will be combining
% j5 P* n% ~- |# } u! C Lthe mortgage with the line of credit and creating a 'Global borrowing % u% R, g2 Z8 |& x( s s. h! k
limit' that will be re-advanceable. More and more consumers will be % ?" C5 E: i. P" s) [5 a& f
looking for these kind of products for tax planning and investment
* o& H! w% _" K* Fstrategies. 9 \- E5 I8 z9 @( w3 H, u
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And speaking about investors, banks are starting to recognize the
1 `1 l9 L# t, f0 ggrowing number of home owners who are buying multiple revenue properties for ( ] _7 j$ q' { O3 F4 c7 Z
investments and we now have an 'Interest-Only' mortgage available for $ u% p9 I- Z7 {0 D
self-employed borrowers on a 'Stated-income' basis for revenue Z0 _ @' B ~9 d
properties. This marks the first time a self-employed individual can use 5 z* h# S# ]$ A" `) n
'stated-income' to qualify for a revenue property. % w$ Z( T+ o7 d, }0 f, N, Z
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The interest rates will be higher for this product, but it is 3 f* q. G5 [6 ^
reflective of a growing trend towards American-Style lending practices. A prime
; Z d: ]1 H: v) i( lexample of an American trend influencing our banks will be longer
# y* s3 d. m7 b: R: v7 Vamortization periods. Canada has held tight on 25 year amortizations for
) j0 Y! ~$ l6 C' k u: ryears, up until now that is. A few lenders have announced 30 year / [; P+ u& \- T; f5 ^2 [
amortizations on CMHC insured mortgages at fully discounted interest rates.
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6 c6 W4 @5 A) hFinally, in an effort to further take your attention away from the long
7 ^9 l6 t7 O) s6 pterm rates, look for lenders to get more creative with the discounts , ?" c. }: p) _# e% |5 {
they offer on Variable Rate Mortgages. I fully expect to see stronger
; C5 l' Q. c, b- ^& S" q* Ucompetition in the form of creative 'front-end loaded' discounts and
n# @4 I: z" `teaser rates that make it more confusing to compare an apple to an apple 8 N) m- I, x2 J1 i4 s
when shopping for the best mortgage option. It's going to be another busy : _7 ~% b, h$ ~, x
spring market and consumers are going to be faced with more choices
O3 E8 v9 P: ~1 ithan ever before. The key, like always, is to get expert advice and : y) B( j4 V7 X5 [
remember you have options. |
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