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原帖由 dgg 于 2006-5-8 10:12 发表, I# x$ ?2 W R, Z
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谢谢，请继续。7 Z' |0 T/ V3 S. ]
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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。
5 u/ T: x" X* C2 I" x% D1 qThe following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like / |: V2 G: c6 Z. U Q/ J: c
Spring is starting to arrive. Each and every year in late February and
t( v& I. S( uearly March, the banks start rolling out their Spring market campaign of
2 h" o5 l( o, H5 O4 m- dnew products in an effort to attract new consumers. And, if early signs 1 G' ?9 E6 P1 d
are any indication, we're poised for yet another busy spring. The banks
/ w' V" ?/ S' M0 ]3 f2 @view this as the best time of year to get your attention by coming up
/ Z) o' d8 n+ D( Ywith new products or simply putting twists on old ideas. 8 i4 @# k; ~0 e
3 ^: G, T. \1 B3 u5 N: EOver the next few weeks we'll see a variety of new products and this . n" E* c) Q! k ?
year the early theme I'm seeing is banks getting more creative in an - {# N) I, V8 I* s5 ^
effort to help you borrow more money. This is partly in response to growing 0 x5 ^( }0 p5 V- E Z
concerns about the potential of rising rates.
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! A" D# |+ r) z6 S. o3 fIn an effort to take the focus away from rates, look for two lenders to
: P: M: Z; e: v% v% Rcome out with 'True Equity' programs that will allow home buyers the
6 m$ |# q* D! D+ e' ~3 `) x5 Eability to borrow up to 75% of the equity in their homes without having ( ]3 A% {& X7 J) i: [( i5 H
to qualify based on their incomes. These programs were previously only
Z7 f( P1 B3 t" U4 j( Uavailable to self-employed borrowers. Income earners had to either put
% B; m6 Y3 }7 umore money down or pay higher rates. This will now be a mortgage based
9 V+ l, S: Y) fon the equity and the rates will be fully discounted.) u' p" p! o% D! n7 p, a% T* y
Another product to keep an eye on is more lenders who will be combining
, z; e' O$ S$ s3 H4 q: nthe mortgage with the line of credit and creating a 'Global borrowing ! T2 S# u) z. I: r9 s( v1 {
limit' that will be re-advanceable. More and more consumers will be
' v) G8 X8 Q* y! e4 {: E A, c- Hlooking for these kind of products for tax planning and investment
% i3 d( c% B- U$ l. Cstrategies.
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+ j, t6 l. o* w$ f$ sAnd speaking about investors, banks are starting to recognize the
' \$ |, |9 @+ `7 I3 fgrowing number of home owners who are buying multiple revenue properties for
; p" ]$ T5 O. T/ t tinvestments and we now have an 'Interest-Only' mortgage available for
) O6 S3 j! Q8 Sself-employed borrowers on a 'Stated-income' basis for revenue
8 Z) l) _0 B7 M- r' `* @" Mproperties. This marks the first time a self-employed individual can use " ^6 A5 K6 C0 d
'stated-income' to qualify for a revenue property. 0 L* }; L4 ?9 R
B2 h" e. i7 h: UThe interest rates will be higher for this product, but it is 1 D8 p% x9 D+ Q7 i
reflective of a growing trend towards American-Style lending practices. A prime , f5 s; m& ?" S! i* S1 U
example of an American trend influencing our banks will be longer
0 S9 Y. U' H2 B$ N, ]amortization periods. Canada has held tight on 25 year amortizations for " b# h* Z$ c& h2 O0 u' P
years, up until now that is. A few lenders have announced 30 year
6 R6 }. D$ S/ [) C$ J8 g7 X, ?amortizations on CMHC insured mortgages at fully discounted interest rates.9 w, g' X" K } t$ ]
+ Z5 }0 v% |/ s) ?3 K6 b6 d7 E* AFinally, in an effort to further take your attention away from the long
9 ~! L( O4 _) Pterm rates, look for lenders to get more creative with the discounts 5 S: U& n& P) N
they offer on Variable Rate Mortgages. I fully expect to see stronger ?. T/ Q% b) G5 t
competition in the form of creative 'front-end loaded' discounts and , w3 F: W- d0 V6 N0 L$ Z8 R5 U
teaser rates that make it more confusing to compare an apple to an apple
* A1 Q; {4 H# h' D( iwhen shopping for the best mortgage option. It's going to be another busy
% E" e& o+ O: ?/ ?spring market and consumers are going to be faced with more choices / r0 h0 o+ D0 J2 M7 r- {
than ever before. The key, like always, is to get expert advice and
7 {+ Y2 ?2 \; o* k7 ~. wremember you have options. |
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发表于 2006-5-7 20:26
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