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原帖由 dgg 于 2006-5-8 10:12 发表, h: \: P- @, r8 n! i7 g
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: j5 m A! R3 `1 T5 Q7 x5 A# R谢谢，请继续。5 @" m/ g/ {! A- r; i
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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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The 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
+ z$ A! ^; y& K2 k& iSpring is starting to arrive. Each and every year in late February and
2 J3 {0 ~' ?) h. J) i& fearly March, the banks start rolling out their Spring market campaign of
/ x# G- j% R- i/ o4 snew products in an effort to attract new consumers. And, if early signs 3 m ~6 }6 g' z' x& Y
are any indication, we're poised for yet another busy spring. The banks
, u0 P0 ?% I8 I0 o: xview this as the best time of year to get your attention by coming up / x! M, ~9 K' U6 Y( G4 T$ J7 X
with new products or simply putting twists on old ideas.
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; G% X3 J% O" S4 @: V6 \: UOver the next few weeks we'll see a variety of new products and this
& v7 } `, z6 S) k9 a: Pyear the early theme I'm seeing is banks getting more creative in an
% E+ f! b n: K+ u4 Yeffort to help you borrow more money. This is partly in response to growing
$ |- y! a" f9 u0 Vconcerns about the potential of rising rates.
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; b: j9 T# \8 d& O: TIn an effort to take the focus away from rates, look for two lenders to
k- w) x" x3 a$ vcome out with 'True Equity' programs that will allow home buyers the
1 h& A0 X) j- Cability to borrow up to 75% of the equity in their homes without having
* f) [' L- d+ p i& s( I1 l, Mto qualify based on their incomes. These programs were previously only
, `( M1 d$ W0 iavailable to self-employed borrowers. Income earners had to either put " L- L" z9 a+ p: a+ p- a P
more money down or pay higher rates. This will now be a mortgage based
# a: s( H. N/ w/ u7 ?. B1 ron the equity and the rates will be fully discounted.
% {' g# \! o3 T6 y/ Y% K. k, g# N) v# EAnother product to keep an eye on is more lenders who will be combining
5 J& D* J0 ?9 W0 y7 _$ q& ^the mortgage with the line of credit and creating a 'Global borrowing
5 u ^: a+ B3 M6 }/ h9 Alimit' that will be re-advanceable. More and more consumers will be
5 H# f' @6 Q" L U2 P5 U& m! ]looking for these kind of products for tax planning and investment 3 Z) G! Z- I! V
strategies. 9 _9 P" E- c3 ^( x2 l
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And speaking about investors, banks are starting to recognize the j% X# Y8 H# T
growing number of home owners who are buying multiple revenue properties for * j9 H% I1 U7 b9 D6 _
investments and we now have an 'Interest-Only' mortgage available for : \ K% S K: g) r8 Z: j8 D3 _
self-employed borrowers on a 'Stated-income' basis for revenue + p4 S3 k: U6 C, G" B9 ^1 b& h
properties. This marks the first time a self-employed individual can use ( U* K% Y2 L- N" x; X' f, @
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is * g; O' W. c5 w( B% I
reflective of a growing trend towards American-Style lending practices. A prime , D X3 k, _" b0 h
example of an American trend influencing our banks will be longer ( m) Y3 h" x# W1 X
amortization periods. Canada has held tight on 25 year amortizations for @7 V: v- x% s. h; I7 K; B' k
years, up until now that is. A few lenders have announced 30 year - c# K- d% o/ Q
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long 3 p: G4 k+ P9 @1 r8 \4 V- t' A$ u
term rates, look for lenders to get more creative with the discounts - q) }/ i3 ?9 K6 \
they offer on Variable Rate Mortgages. I fully expect to see stronger ; Q0 D0 |) j0 Z1 M5 N
competition in the form of creative 'front-end loaded' discounts and
9 m& T' x" W; bteaser rates that make it more confusing to compare an apple to an apple
; i% E( \( U! g5 k- n9 Fwhen shopping for the best mortgage option. It's going to be another busy ( A: u) F8 U4 W& y4 G
spring market and consumers are going to be faced with more choices * T! r l8 Z4 \1 W) T! m
than ever before. The key, like always, is to get expert advice and * a& G" ~. \4 \$ j9 o8 r. P6 ]
remember you have options. |
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发表于 2006-5-7 20:26
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