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原帖由 dgg 于 2006-5-8 10:12 发表
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1 d' S" p3 `& g5 U) A! z, T谢谢，请继续。* e+ @. s2 {3 z# ^
* y$ p7 `8 O* o6 ]# 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% w) h1 ]6 |5 DThe following article is written by Peter Kinch.
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" @7 _$ b+ T9 Y- P" r4 o( BSpring Is In The Air! In some markets in Canada it may feel like
4 J% ~' U1 L' ` {Spring is starting to arrive. Each and every year in late February and
( V" ]- N5 ^; y, R- Kearly March, the banks start rolling out their Spring market campaign of
- _# @: q7 a+ A3 `6 ?$ U& ?new products in an effort to attract new consumers. And, if early signs % ~$ X9 Q" q, V
are any indication, we're poised for yet another busy spring. The banks ! o) `2 ?' T5 t2 k. D4 B
view this as the best time of year to get your attention by coming up
" I2 g' `$ Y& B2 ?* ewith new products or simply putting twists on old ideas. 4 T( x: B( Z- X K- X3 @2 ^2 `
/ y7 m0 X. v8 b& f& H' J, hOver the next few weeks we'll see a variety of new products and this M6 G6 R6 c( z
year the early theme I'm seeing is banks getting more creative in an ) j) ~% }+ m4 M: S% h! m, r8 E
effort to help you borrow more money. This is partly in response to growing " ?7 o/ T& ~; i' v4 ?
concerns about the potential of rising rates.
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0 m+ d) z0 ~) l# HIn an effort to take the focus away from rates, look for two lenders to . B7 K+ E/ ?, }; X+ @# s
come out with 'True Equity' programs that will allow home buyers the
! M4 Z5 a. I2 v, ]& ~4 {ability to borrow up to 75% of the equity in their homes without having
4 U y# B6 y* E' yto qualify based on their incomes. These programs were previously only
$ _* F7 l/ ]/ A- ^$ s2 q$ F9 zavailable to self-employed borrowers. Income earners had to either put
! P) H; c. M3 ]more money down or pay higher rates. This will now be a mortgage based
; f7 u& O' t$ b/ i4 L( Xon the equity and the rates will be fully discounted.
' c) k' q2 p, h) X7 HAnother product to keep an eye on is more lenders who will be combining
' U* E1 ^. C$ u/ G2 D/ z4 p5 M9 E# Xthe mortgage with the line of credit and creating a 'Global borrowing
3 M- }+ [5 G S& w climit' that will be re-advanceable. More and more consumers will be - [) @: Q0 C% D2 b* r, l
looking for these kind of products for tax planning and investment + p b9 G" [" j3 u# g& R* m6 A
strategies.
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, P9 _; T1 N& {2 \; \2 ?And speaking about investors, banks are starting to recognize the
: ]+ b+ M6 c) Y: h+ Q7 ogrowing number of home owners who are buying multiple revenue properties for
* H2 i8 i5 r; _% _investments and we now have an 'Interest-Only' mortgage available for
/ B [0 T) d2 L2 I/ Xself-employed borrowers on a 'Stated-income' basis for revenue
) n4 I. X0 t- w: S7 B1 }properties. This marks the first time a self-employed individual can use
* _6 k9 B9 M5 i7 D4 K2 ^; ['stated-income' to qualify for a revenue property.
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1 ]! y8 F9 L8 C3 h/ QThe interest rates will be higher for this product, but it is # b3 f+ @9 `) r2 e' r6 t
reflective of a growing trend towards American-Style lending practices. A prime ) X. A4 W$ Z3 F. Y
example of an American trend influencing our banks will be longer
( ^1 e: t9 u1 W4 c& Zamortization periods. Canada has held tight on 25 year amortizations for
X: H' I. Z( i# L% C0 Y. Qyears, up until now that is. A few lenders have announced 30 year
7 Z, W! z& w, ^% d2 l5 h- _5 Q3 namortizations on CMHC insured mortgages at fully discounted interest rates.2 S1 h/ d& [. m$ A
( n' i# r2 u: @( k, e' c+ h2 SFinally, in an effort to further take your attention away from the long
/ P4 N0 | R) N: f, z' d% ]% Uterm rates, look for lenders to get more creative with the discounts
# {$ R6 F1 V' _9 r/ vthey offer on Variable Rate Mortgages. I fully expect to see stronger 5 s2 _, M/ z6 j* N3 D2 r5 j
competition in the form of creative 'front-end loaded' discounts and 4 |7 F y2 X: a( Z/ u3 v- X, S
teaser rates that make it more confusing to compare an apple to an apple 8 G2 ^( m7 L/ L
when shopping for the best mortgage option. It's going to be another busy
1 i4 B7 U: Z0 m" R% f: _3 O A8 `) Yspring market and consumers are going to be faced with more choices 0 g" W9 ]- j u3 h' L- e6 m
than ever before. The key, like always, is to get expert advice and ) i* B) P7 T) f. K
remember you have options. |
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