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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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2 ~0 Q1 g/ @6 S) u7 b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。
* l/ u0 G2 u9 \# V) d$ JThe following article is written by Peter Kinch.2 |$ h9 u0 F% S, ?9 z$ u' q
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Spring Is In The Air! In some markets in Canada it may feel like
8 l; h m) i4 f) }/ [1 ~Spring is starting to arrive. Each and every year in late February and
- f4 }3 R( c2 a6 X% tearly March, the banks start rolling out their Spring market campaign of
8 Q1 P* Z& @+ ^- Onew products in an effort to attract new consumers. And, if early signs
; l2 r" x4 @% H, [1 o" h1 [are any indication, we're poised for yet another busy spring. The banks
3 N; L) i7 l+ p, Wview this as the best time of year to get your attention by coming up ) B- e Q* J" Y+ y: U- p3 m
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
0 ~7 I/ L- E0 z( Eyear the early theme I'm seeing is banks getting more creative in an
# a4 \& p) O2 g& ^/ teffort to help you borrow more money. This is partly in response to growing \5 h4 z8 S" ~! G) j+ c) c
concerns about the potential of rising rates.
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7 K/ ^; O8 ~6 M7 H3 l* h5 E" JIn an effort to take the focus away from rates, look for two lenders to 3 w; w4 F# s/ L# M7 a0 A
come out with 'True Equity' programs that will allow home buyers the
6 O$ n; x$ X, b6 Y. ]ability to borrow up to 75% of the equity in their homes without having
* Y+ W. E* D, {2 w6 C, Vto qualify based on their incomes. These programs were previously only
1 f) |1 j" H A8 F+ oavailable to self-employed borrowers. Income earners had to either put
# Y3 r9 ?& c; h. E& ^! Nmore money down or pay higher rates. This will now be a mortgage based ) C, ^ o7 e7 t2 f% o5 d+ Y
on the equity and the rates will be fully discounted.
/ y1 I0 W9 G! ]6 @5 u+ rAnother product to keep an eye on is more lenders who will be combining ; J2 L; J* q6 o: w1 S
the mortgage with the line of credit and creating a 'Global borrowing
, b2 K1 s+ r1 K/ `+ c" r: ~" [ r! \limit' that will be re-advanceable. More and more consumers will be 4 \! K& q6 {& f+ s5 C. g
looking for these kind of products for tax planning and investment
$ W0 z0 A _, q- E. X: u2 l. Y8 Bstrategies. " A# O! I5 ^% y1 D$ D, J
) Z1 V5 e t- f' sAnd speaking about investors, banks are starting to recognize the
8 h0 w0 O6 s' `" Q/ Qgrowing number of home owners who are buying multiple revenue properties for 1 h& a+ E {0 {& Z" J& W' \
investments and we now have an 'Interest-Only' mortgage available for
! o' j) ?( ]9 ]& I5 h8 b1 lself-employed borrowers on a 'Stated-income' basis for revenue " n( s2 d8 k. ^$ O) _2 o. S. r
properties. This marks the first time a self-employed individual can use 9 v9 y; V! _1 U
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
2 G1 O4 P f0 [- Rreflective of a growing trend towards American-Style lending practices. A prime
) I" D( K y7 oexample of an American trend influencing our banks will be longer
1 a! Z& O2 _1 kamortization periods. Canada has held tight on 25 year amortizations for
# }& W( }6 j1 y. S2 tyears, up until now that is. A few lenders have announced 30 year 6 ^% \+ K+ P$ U. H A
amortizations on CMHC insured mortgages at fully discounted interest rates.' m: [8 x9 I1 B( S, u
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Finally, in an effort to further take your attention away from the long ! Z5 o4 `1 ^3 X
term rates, look for lenders to get more creative with the discounts
& O7 r6 [* a: Q9 v6 f, ]7 i2 ythey offer on Variable Rate Mortgages. I fully expect to see stronger
7 v3 A6 R* i7 K6 P% Q$ H/ Y3 h! @competition in the form of creative 'front-end loaded' discounts and 9 v# R6 O5 H2 ]1 \5 f4 A
teaser rates that make it more confusing to compare an apple to an apple , L" @ V+ M& q' L+ x6 @: P4 r, h0 T
when shopping for the best mortgage option. It's going to be another busy
. ] \7 X( h5 M- Kspring market and consumers are going to be faced with more choices
% l( B' b- z; ~5 Tthan ever before. The key, like always, is to get expert advice and
- H( ^/ \# {' L: O7 g% }- }& \remember you have options. |
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发表于 2006-5-7 20:26
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