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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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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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' @7 R9 N3 O- o3 A$ |; fThe following article is written by Peter Kinch.7 K5 d) z: }& b' u
x9 M3 g: B' x; U# G7 MSpring Is In The Air! In some markets in Canada it may feel like
5 {* E5 \7 b: }9 |3 T: v& uSpring is starting to arrive. Each and every year in late February and + m x! h ^* i
early March, the banks start rolling out their Spring market campaign of
/ O7 v+ G$ ~/ vnew products in an effort to attract new consumers. And, if early signs
0 L# K' V) U* M0 \& e* pare any indication, we're poised for yet another busy spring. The banks 9 c: N: l" p, v& G$ T4 P
view this as the best time of year to get your attention by coming up / F1 H$ |" L; b+ c& _
with new products or simply putting twists on old ideas. $ q- S+ K0 V3 J4 F$ J
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Over the next few weeks we'll see a variety of new products and this : _6 ] L' J+ H- O* {; l
year the early theme I'm seeing is banks getting more creative in an
P! e* B. L7 leffort to help you borrow more money. This is partly in response to growing
/ Y: i& o- a/ G7 s: J* K+ H& Iconcerns about the potential of rising rates.
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# {3 J' g7 P7 [) oIn an effort to take the focus away from rates, look for two lenders to . r0 L" T& [( n$ ]9 j c) O0 [7 T
come out with 'True Equity' programs that will allow home buyers the & b) V9 f8 k! z+ G6 p
ability to borrow up to 75% of the equity in their homes without having ' {$ `' P0 q, p0 P
to qualify based on their incomes. These programs were previously only % g R1 u$ R: H* o5 r
available to self-employed borrowers. Income earners had to either put ( c& m, ]( |# V4 ^, P
more money down or pay higher rates. This will now be a mortgage based
1 s5 v& l4 w2 ]6 H; U5 `on the equity and the rates will be fully discounted.
4 \9 n0 m/ E3 i* H8 ZAnother product to keep an eye on is more lenders who will be combining
/ M5 ~& V2 @9 v* ^9 Wthe mortgage with the line of credit and creating a 'Global borrowing
2 C, m: o9 r5 a k" Z: B" Q3 Dlimit' that will be re-advanceable. More and more consumers will be , d( c1 U Q T5 k2 _( H
looking for these kind of products for tax planning and investment
+ `8 ^$ d; Z# h2 xstrategies.
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- Y. B* i) g" G( xAnd speaking about investors, banks are starting to recognize the
& w8 [9 j. Y L; H( n' ]* sgrowing number of home owners who are buying multiple revenue properties for
$ }2 t' U2 h2 j. ]! O* P# A( s3 I5 tinvestments and we now have an 'Interest-Only' mortgage available for
* ?' t) E3 N! iself-employed borrowers on a 'Stated-income' basis for revenue : n3 v8 A. w! P2 ^5 j" j; i- v
properties. This marks the first time a self-employed individual can use
& H1 f S* _4 L. @! q'stated-income' to qualify for a revenue property. 1 M5 {4 X5 C6 b6 o9 s% R
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The interest rates will be higher for this product, but it is : ^6 a* E( F) O
reflective of a growing trend towards American-Style lending practices. A prime
+ k: f3 q7 s { d$ Fexample of an American trend influencing our banks will be longer 2 w* x( m% b! l: l/ A5 C7 t5 Y0 Q
amortization periods. Canada has held tight on 25 year amortizations for 9 o' T9 k- R9 S3 i
years, up until now that is. A few lenders have announced 30 year ; \* k( i- Y7 _$ x$ l
amortizations on CMHC insured mortgages at fully discounted interest rates.
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2 \, W9 B+ X: e0 k9 xFinally, in an effort to further take your attention away from the long
. d# ~$ r- M' e7 q* I/ h+ P% d! }term rates, look for lenders to get more creative with the discounts ; f* d8 D+ x* h3 J, r4 |2 f
they offer on Variable Rate Mortgages. I fully expect to see stronger 4 e+ J( d5 w# T. P" ^/ I' S
competition in the form of creative 'front-end loaded' discounts and
: m, b0 l2 L" D Fteaser rates that make it more confusing to compare an apple to an apple + E- N$ Z- e: A# Y/ Z* b6 `0 a
when shopping for the best mortgage option. It's going to be another busy * u9 ]. l' P# n1 c
spring market and consumers are going to be faced with more choices
! \- b* l/ B) d' f, z# Hthan ever before. The key, like always, is to get expert advice and
# X ?4 g( I- }+ Lremember you have options. |
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发表于 2006-5-7 20:26
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