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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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( x2 ~' C2 h# ^, P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。
, j }8 R$ ^7 `, K) j1 { UThe following article is written by Peter Kinch.- ]- X0 o. I$ v3 O/ l9 `: t
# q- I# L* I3 V' _Spring Is In The Air! In some markets in Canada it may feel like
0 \8 q% A! d# o2 PSpring is starting to arrive. Each and every year in late February and . S) j) y+ W6 G! ]; X
early March, the banks start rolling out their Spring market campaign of
5 [' J3 J' @4 w2 k; z/ ?7 \+ ^new products in an effort to attract new consumers. And, if early signs ; N% P- B0 X* N$ A1 n0 t
are any indication, we're poised for yet another busy spring. The banks # @- t5 \% L4 U* e9 G
view this as the best time of year to get your attention by coming up ' c9 W" e) D/ T; i/ I2 M( s: K6 I! B. b
with new products or simply putting twists on old ideas. $ r, D7 T, l' x4 g2 r8 M& X8 U
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Over the next few weeks we'll see a variety of new products and this
2 X/ V5 O) r# ryear the early theme I'm seeing is banks getting more creative in an 3 m( r) ?5 }* R6 |. q9 v3 ^
effort to help you borrow more money. This is partly in response to growing & Y1 x9 B. p) }; u: j# ~# f3 A$ S
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
* L6 R0 p" [4 {( s3 m& N- o9 l Gcome out with 'True Equity' programs that will allow home buyers the * b4 c5 a; p& ]9 }
ability to borrow up to 75% of the equity in their homes without having
R6 r% q; v: J5 g% _" O7 w ato qualify based on their incomes. These programs were previously only 7 W( l1 y* v% u1 D2 v% Z
available to self-employed borrowers. Income earners had to either put 3 R* P- H4 l) c1 H2 p" _* i! f
more money down or pay higher rates. This will now be a mortgage based % G$ Q% N- o; k$ l( v) c" e9 B4 d
on the equity and the rates will be fully discounted.5 i, p4 r$ K r
Another product to keep an eye on is more lenders who will be combining + W3 B4 o% j Q) U/ o9 F" n- u
the mortgage with the line of credit and creating a 'Global borrowing
& P( a2 J& Y" H+ z8 E5 i. slimit' that will be re-advanceable. More and more consumers will be 9 R& Y5 {5 S, a! d/ a
looking for these kind of products for tax planning and investment
0 I, q# G, G7 g5 \strategies.
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1 z/ N% j. b( M0 EAnd speaking about investors, banks are starting to recognize the
( u) X" ~9 d+ q' N' s7 \growing number of home owners who are buying multiple revenue properties for ! ^( {2 h+ u% _, `5 E% T
investments and we now have an 'Interest-Only' mortgage available for
5 V- J6 k+ y6 Vself-employed borrowers on a 'Stated-income' basis for revenue
" a7 }( I; }9 W5 Q! dproperties. This marks the first time a self-employed individual can use 4 C R5 o4 j5 }3 @9 A+ @8 a; G
'stated-income' to qualify for a revenue property.
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2 m7 U L: ]" O; D$ UThe interest rates will be higher for this product, but it is
( n9 T# i4 l: xreflective of a growing trend towards American-Style lending practices. A prime
. c( ?+ P3 Z; x0 P' o4 G/ Vexample of an American trend influencing our banks will be longer
. D5 N& T+ B+ V3 g+ N2 camortization periods. Canada has held tight on 25 year amortizations for
2 k8 Q% m: u3 o2 Gyears, up until now that is. A few lenders have announced 30 year
2 }. {& A) H- ~! C3 K% Namortizations on CMHC insured mortgages at fully discounted interest rates.% d+ @+ H9 k9 e: a' Z8 o
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Finally, in an effort to further take your attention away from the long
; T! g2 P$ f `/ p4 G0 K& t3 cterm rates, look for lenders to get more creative with the discounts 5 k/ e9 H1 t8 U: i; i
they offer on Variable Rate Mortgages. I fully expect to see stronger / p6 H' v/ F" y% ~7 R1 [& C
competition in the form of creative 'front-end loaded' discounts and ( _4 p9 n M' P0 d$ t& o Y
teaser rates that make it more confusing to compare an apple to an apple , L0 I; n8 R; \+ j. ]8 F) q
when shopping for the best mortgage option. It's going to be another busy
7 I9 s3 g& v5 ^2 P" ~2 \' N5 vspring market and consumers are going to be faced with more choices
. f n( ~* w6 m/ ~% h$ M: Pthan ever before. The key, like always, is to get expert advice and
" F( G- G) X; Vremember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
发表于 2006-5-7 22:22
