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原帖由 dgg 于 2006-5-8 10:12 发表* ?( ?3 L. L+ S" o
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谢谢，请继续。
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% O: J6 y. t% O' y7 M$ f' f7 C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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The following article is written by Peter Kinch." }8 Y; _1 d% u2 l) ~/ L
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Spring Is In The Air! In some markets in Canada it may feel like
0 v2 X V6 U. R& d1 ~Spring is starting to arrive. Each and every year in late February and B z) O7 ]; c# w1 D1 w9 \
early March, the banks start rolling out their Spring market campaign of
9 p, @- u* B* ?& _6 x; Bnew products in an effort to attract new consumers. And, if early signs + R* D% H g4 W2 T; _. c
are any indication, we're poised for yet another busy spring. The banks
) B, d7 m& a8 j4 ?; K- M- aview this as the best time of year to get your attention by coming up
) y( o, b. U. @. i! W& P4 swith new products or simply putting twists on old ideas.
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6 v& j) H5 a$ Q0 U+ oOver the next few weeks we'll see a variety of new products and this
$ y& S% |; o* \; C5 |& H( Xyear the early theme I'm seeing is banks getting more creative in an # }5 z5 x' t0 S
effort to help you borrow more money. This is partly in response to growing ( V" w# Q C* d1 W0 T6 C" G2 i! M
concerns about the potential of rising rates. # }; [) O% P2 ~+ I0 E4 S4 G: z
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In an effort to take the focus away from rates, look for two lenders to 8 |+ a* i) l! F" q$ M9 [) i
come out with 'True Equity' programs that will allow home buyers the
8 j& T+ v" S3 x% S3 zability to borrow up to 75% of the equity in their homes without having + J4 b3 x( ?* [& ?
to qualify based on their incomes. These programs were previously only 8 p3 E3 |7 W0 a' T1 h
available to self-employed borrowers. Income earners had to either put + f ?& ^1 k( V) G* {$ j/ |& X
more money down or pay higher rates. This will now be a mortgage based 1 F5 i1 Y7 P7 a& p
on the equity and the rates will be fully discounted.
8 @8 j# L- D; z7 G) EAnother product to keep an eye on is more lenders who will be combining + h% z5 E* M. X
the mortgage with the line of credit and creating a 'Global borrowing % U; c+ h( [5 T) }& B) x+ @8 X5 |
limit' that will be re-advanceable. More and more consumers will be
6 F) `( }" S) E W5 Llooking for these kind of products for tax planning and investment
: v" M3 `4 e8 U$ `, @- Dstrategies. / z: ~: V) f( Q: ]7 {2 ?
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And speaking about investors, banks are starting to recognize the
$ d* Q% e6 J8 Q1 fgrowing number of home owners who are buying multiple revenue properties for
, T; j4 q1 ~2 k8 d Sinvestments and we now have an 'Interest-Only' mortgage available for
/ D( }4 o: C6 a: Qself-employed borrowers on a 'Stated-income' basis for revenue
. p0 f, z/ n! Q$ l3 _% X' x0 @, Pproperties. This marks the first time a self-employed individual can use % S) S" I6 k n3 e9 H3 Q, Z
'stated-income' to qualify for a revenue property.
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) i) D# J5 r% f3 e" a3 f+ {( \The interest rates will be higher for this product, but it is
+ m. N) b, t! N0 A, }+ Rreflective of a growing trend towards American-Style lending practices. A prime
2 U' q" `9 @2 e9 Y& |# Z4 yexample of an American trend influencing our banks will be longer
. Q: J$ o3 s0 G( Q% R, n, s" samortization periods. Canada has held tight on 25 year amortizations for
% B' e8 a* L, }% G+ hyears, up until now that is. A few lenders have announced 30 year
, z. [. D3 y3 c9 b4 Kamortizations on CMHC insured mortgages at fully discounted interest rates." p6 }8 O$ Z7 b( Y* i5 A0 M
, O$ Q9 Q/ a' `0 I7 f% JFinally, in an effort to further take your attention away from the long
/ U& z% \ `' m7 ?* pterm rates, look for lenders to get more creative with the discounts 5 E( `# ?+ S3 F& j! r9 B$ o; Z p
they offer on Variable Rate Mortgages. I fully expect to see stronger
$ z, R9 W- E$ Lcompetition in the form of creative 'front-end loaded' discounts and 2 @/ T) y: _: n. R' w- H2 F* z8 H
teaser rates that make it more confusing to compare an apple to an apple ! e' v& O9 E) B$ N2 f3 X7 R' t& ]
when shopping for the best mortgage option. It's going to be another busy / P/ l. S# b4 V x! _* { t5 j
spring market and consumers are going to be faced with more choices 0 u( S) ?4 V) q7 _/ b3 }9 I: ]
than ever before. The key, like always, is to get expert advice and . K! \% y2 L0 {* X5 _- I
remember you have options. |
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