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原帖由 dgg 于 2006-5-8 10:12 发表. C# m0 M5 X) A, B7 l% U. i
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r# }" B* ]/ a: C谢谢，请继续。
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- f+ `/ }$ i7 J& c( h. }- 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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0 R0 D" B+ S2 p: S$ r. u V4 DThe following article is written by Peter Kinch.$ k# R( Y# S$ d/ ?4 O9 \! N4 Q# E/ e
f* j6 c) d' ?Spring Is In The Air! In some markets in Canada it may feel like
% E0 v/ ?) p' X7 Y7 W/ v1 ySpring is starting to arrive. Each and every year in late February and : {, C1 C" Y7 O: g
early March, the banks start rolling out their Spring market campaign of # i4 N2 t+ c% i1 z6 \
new products in an effort to attract new consumers. And, if early signs 6 v7 G2 i- Y0 v* u- f2 _% A
are any indication, we're poised for yet another busy spring. The banks
. k1 b' I$ e |( E/ X4 l4 Nview this as the best time of year to get your attention by coming up 7 ` c& T9 X* ~
with new products or simply putting twists on old ideas.
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2 e: F7 A: l+ K( jOver the next few weeks we'll see a variety of new products and this u. f# }1 u# N7 G
year the early theme I'm seeing is banks getting more creative in an $ u4 _1 `3 p. Z
effort to help you borrow more money. This is partly in response to growing
) Y9 b' U! K, \. \4 sconcerns about the potential of rising rates.
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1 r1 G3 V/ {3 w/ _8 nIn an effort to take the focus away from rates, look for two lenders to 1 @* M) q: q- |" H
come out with 'True Equity' programs that will allow home buyers the " O0 s1 o$ I+ d
ability to borrow up to 75% of the equity in their homes without having
) l! g6 m; `: e6 `5 m. X9 z, v. nto qualify based on their incomes. These programs were previously only 0 x* {# E3 Z9 p) i4 k5 e- j; _. G
available to self-employed borrowers. Income earners had to either put ! U: [+ [4 N# ]( p5 b) a3 ]2 ?- F
more money down or pay higher rates. This will now be a mortgage based 6 x3 y9 Q2 S( T4 p+ s+ G0 j
on the equity and the rates will be fully discounted.
0 k# o" I$ a! ]Another product to keep an eye on is more lenders who will be combining 6 b3 j) {9 f) `4 I, s
the mortgage with the line of credit and creating a 'Global borrowing
3 _1 Q- k, s) v. |limit' that will be re-advanceable. More and more consumers will be 7 H7 T$ }5 Y/ ]2 F, L4 j
looking for these kind of products for tax planning and investment 2 G* D4 a6 c* @, d* G+ T P" i
strategies.
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0 ], p: }4 I+ h. C- r3 e7 qAnd speaking about investors, banks are starting to recognize the + S. f- L( l2 s+ G
growing number of home owners who are buying multiple revenue properties for
/ ]: \1 R/ a" D2 K6 S$ A1 \investments and we now have an 'Interest-Only' mortgage available for
% @& ~; q( W/ q* d0 Qself-employed borrowers on a 'Stated-income' basis for revenue - i P5 a8 T2 |9 b0 q
properties. This marks the first time a self-employed individual can use
/ d. J C3 I7 R'stated-income' to qualify for a revenue property. 2 o' o* d# w( y8 i0 L
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The interest rates will be higher for this product, but it is 4 y& f! D: K7 H+ k' D, I
reflective of a growing trend towards American-Style lending practices. A prime
% K& e3 e/ }; d- Y7 j" }* S/ gexample of an American trend influencing our banks will be longer $ @% l/ H0 X8 [* D1 A d' R
amortization periods. Canada has held tight on 25 year amortizations for
' }. F" C2 M+ ]# E+ Iyears, up until now that is. A few lenders have announced 30 year , y! X) I3 E- }% a' {
amortizations on CMHC insured mortgages at fully discounted interest rates.
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6 Z1 d8 O7 R/ p& `4 I8 `$ ~Finally, in an effort to further take your attention away from the long 0 B- l6 G8 ~$ m& ?
term rates, look for lenders to get more creative with the discounts / ^( b) f0 u0 I- W# X6 H
they offer on Variable Rate Mortgages. I fully expect to see stronger 9 F0 r4 Q9 P' D5 G: O* x$ B% M
competition in the form of creative 'front-end loaded' discounts and
. Y1 ^' r5 x2 c7 s w8 p d( oteaser rates that make it more confusing to compare an apple to an apple ( r2 Q4 k, K8 o2 Y/ d4 N
when shopping for the best mortgage option. It's going to be another busy + I3 z4 ~4 } ^+ X
spring market and consumers are going to be faced with more choices
7 J7 y" U- |/ M3 _6 }( y# Gthan ever before. The key, like always, is to get expert advice and
: c+ E" C0 O; t1 {# |remember you have options. |
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发表于 2006-5-7 20:26
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