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原帖由 dgg 于 2006-5-8 10:12 发表. R" V9 _8 H0 y" }" ]
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- |0 g5 T7 Q5 x2 T" W谢谢，请继续。4 Q4 v4 c, S- g$ [/ |( C
9 u7 Z/ y: [3 b6 U0 D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。
$ ~# g; _) w% M( f; B; EThe following article is written by Peter Kinch.7 s7 u0 F" T( N! K+ C
% @6 E2 m8 B2 O' W, Y6 a( zSpring Is In The Air! In some markets in Canada it may feel like
7 b# P3 n1 }* L9 Q7 z$ f: sSpring is starting to arrive. Each and every year in late February and
; V) x* r6 j& qearly March, the banks start rolling out their Spring market campaign of
' e( h7 |- C( x" q; }7 e3 G8 vnew products in an effort to attract new consumers. And, if early signs
' }! e. @7 }+ S( t2 zare any indication, we're poised for yet another busy spring. The banks
- |# ~4 ?8 O7 hview this as the best time of year to get your attention by coming up
; H; M1 A% B+ ?+ Wwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this 9 y# @3 b! e5 ~& d
year the early theme I'm seeing is banks getting more creative in an % J* T2 I7 m" |9 \* S' ^
effort to help you borrow more money. This is partly in response to growing
$ w$ \- O* n& n' c$ M, ]$ N0 r$ Dconcerns about the potential of rising rates. 0 w( V' j6 B$ w, ^5 h8 `! A: F. [+ j3 e
# D8 M, n% w4 k& AIn an effort to take the focus away from rates, look for two lenders to 4 ?6 U) S8 x" k' ?! b% z; o
come out with 'True Equity' programs that will allow home buyers the 3 I* x R }9 f0 b4 ]) b2 \0 P) \
ability to borrow up to 75% of the equity in their homes without having
0 O: `9 B* Q0 R' R# |( S @- Rto qualify based on their incomes. These programs were previously only ; |9 M) @, M' y5 v! N z1 T j
available to self-employed borrowers. Income earners had to either put 8 R" D4 @9 j& |: N
more money down or pay higher rates. This will now be a mortgage based 6 f- q# x4 o% b4 m' L
on the equity and the rates will be fully discounted.# C1 B: o) l4 ]' X' f
Another product to keep an eye on is more lenders who will be combining
2 V+ O$ F, r$ n% F9 xthe mortgage with the line of credit and creating a 'Global borrowing
. Y! u( r9 t. N7 y4 F) r3 i0 N) rlimit' that will be re-advanceable. More and more consumers will be : d# n0 e+ z3 S1 S) E, T6 }2 S
looking for these kind of products for tax planning and investment ! a' U% E& N3 o3 B2 g, }
strategies.
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And speaking about investors, banks are starting to recognize the
1 Q/ [! D! ^* e% Kgrowing number of home owners who are buying multiple revenue properties for
, ^8 m- b0 ?6 Q# s3 Qinvestments and we now have an 'Interest-Only' mortgage available for
5 h$ `( i3 V8 i( Y' gself-employed borrowers on a 'Stated-income' basis for revenue ! ?& C8 i9 V/ a0 L4 U
properties. This marks the first time a self-employed individual can use
4 t+ E) @6 v8 R'stated-income' to qualify for a revenue property.
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% r9 e; }! p9 }- e: R7 TThe interest rates will be higher for this product, but it is
9 W6 i) d. a, t. B/ \2 u; h" Creflective of a growing trend towards American-Style lending practices. A prime 0 M5 D0 q* D) G* G7 k; w+ [3 D. q
example of an American trend influencing our banks will be longer
: P; p1 V& @+ Q( W! U2 t$ famortization periods. Canada has held tight on 25 year amortizations for
( A i( o( B) U4 N- Lyears, up until now that is. A few lenders have announced 30 year
* h4 L, O( k5 ]' M& D( z, Qamortizations on CMHC insured mortgages at fully discounted interest rates.
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/ ]8 F* Y$ L4 z; Y" ]# f5 g8 TFinally, in an effort to further take your attention away from the long ( q/ O5 s1 ~ K- G% s6 D4 s0 f
term rates, look for lenders to get more creative with the discounts , D" E6 P4 e2 l' X" k; c" I
they offer on Variable Rate Mortgages. I fully expect to see stronger # Q; s5 J! ]- R
competition in the form of creative 'front-end loaded' discounts and " O! Q! K9 V4 D$ c- u2 }
teaser rates that make it more confusing to compare an apple to an apple B# ] `% w) d5 G+ H c
when shopping for the best mortgage option. It's going to be another busy , T7 `# R, V0 S6 @& M) ?
spring market and consumers are going to be faced with more choices
5 @% l: \, ]1 {/ ` Kthan ever before. The key, like always, is to get expert advice and
0 c+ h* r9 G0 Z z6 P! |remember you have options. |
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发表于 2006-5-7 20:26
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