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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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' M4 D* U' ?0 s9 @% H w, Z9 [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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The following article is written by Peter Kinch.: b5 w/ A3 M+ ]. M9 ^4 F/ l( D
, S& [. } @. Y8 B z7 B: ]2 p- c- |Spring Is In The Air! In some markets in Canada it may feel like
6 d+ {# I3 z+ mSpring is starting to arrive. Each and every year in late February and " q+ l& x8 N4 z) x A$ h
early March, the banks start rolling out their Spring market campaign of
0 |2 h) T; v+ g1 Lnew products in an effort to attract new consumers. And, if early signs $ E1 l- F7 n, V9 m; o9 ~; |4 j
are any indication, we're poised for yet another busy spring. The banks , n" ^7 n5 q" J) H& Q9 f# |
view this as the best time of year to get your attention by coming up
" V$ p8 _7 m) K" {with new products or simply putting twists on old ideas. 8 z/ H% j+ }) r a
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Over the next few weeks we'll see a variety of new products and this
: A. v( K7 M" ^0 p& z; ]* e8 Ayear the early theme I'm seeing is banks getting more creative in an + `4 {3 v; F1 m2 @8 j
effort to help you borrow more money. This is partly in response to growing
5 E. y9 ~. q# ^0 D/ a: _/ M# Y/ |concerns about the potential of rising rates. 0 r" m) g2 v; i" l
% y3 ~" D; m$ ~, IIn an effort to take the focus away from rates, look for two lenders to ) ]0 ?1 e9 [2 d/ P/ @6 N3 u
come out with 'True Equity' programs that will allow home buyers the
! f9 l) S0 u& f/ X$ ]0 K5 j7 s" }ability to borrow up to 75% of the equity in their homes without having
2 c, J8 U9 H+ `+ z/ Xto qualify based on their incomes. These programs were previously only
4 F0 ~4 O( ^0 I+ T8 B! K9 b A0 Vavailable to self-employed borrowers. Income earners had to either put
8 }2 _% N; {2 c/ ~more money down or pay higher rates. This will now be a mortgage based $ q. [$ t; p3 e: k4 N% R" L& \5 W
on the equity and the rates will be fully discounted.
. K. w( g8 i# R B/ S+ h. GAnother product to keep an eye on is more lenders who will be combining 5 v5 H& ~: d% Q: H' W
the mortgage with the line of credit and creating a 'Global borrowing
3 C1 Q2 R4 Y6 `5 S* f% q# ilimit' that will be re-advanceable. More and more consumers will be " D, `: u+ @; f5 ?# v. M
looking for these kind of products for tax planning and investment ' p2 j3 q' j3 l5 a+ f, h% O/ W
strategies.
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3 K8 m( ?# ~, H1 g/ }3 n8 t% PAnd speaking about investors, banks are starting to recognize the : H2 O% A7 X3 @0 r
growing number of home owners who are buying multiple revenue properties for 1 g; P2 X. M- b9 s# T6 J" P
investments and we now have an 'Interest-Only' mortgage available for 3 U9 @" m9 y$ O+ o
self-employed borrowers on a 'Stated-income' basis for revenue p$ C P" V9 h# q
properties. This marks the first time a self-employed individual can use / G( P1 D% h( A0 D( j* c* L
'stated-income' to qualify for a revenue property.
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2 a1 ]# k4 H- o) v6 _+ RThe interest rates will be higher for this product, but it is + d" l3 O- \ K. {( w5 X1 u
reflective of a growing trend towards American-Style lending practices. A prime
% \, j$ G0 E% W1 l0 x6 l5 Z. g! eexample of an American trend influencing our banks will be longer
z" Y5 n/ ~: Z* V, u. c! }/ s+ _# \amortization periods. Canada has held tight on 25 year amortizations for - l/ g1 o3 Q% o) l" z* |0 ~# \. b5 q
years, up until now that is. A few lenders have announced 30 year
; N, v2 `, E4 j" Xamortizations on CMHC insured mortgages at fully discounted interest rates.+ _2 s6 s, d# h( L1 |% |' \! r
3 D4 s% S7 o- a" y$ S5 K; lFinally, in an effort to further take your attention away from the long
) q7 h. m$ O* o& e5 s$ Rterm rates, look for lenders to get more creative with the discounts
6 h( h1 K- e" {/ Cthey offer on Variable Rate Mortgages. I fully expect to see stronger
6 L& q5 r! }0 `. p0 B5 ~competition in the form of creative 'front-end loaded' discounts and
& ~9 b+ Z- w6 c0 uteaser rates that make it more confusing to compare an apple to an apple " I$ ~+ @1 {/ s) j% p/ c
when shopping for the best mortgage option. It's going to be another busy
, z# w) p, @1 r* G5 K; E0 Dspring market and consumers are going to be faced with more choices
( k4 h) [& U; S8 n) v5 b- ithan ever before. The key, like always, is to get expert advice and 5 p* J/ n; s" _2 K
remember you have options. |
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发表于 2006-5-7 20:26
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