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原帖由 dgg 于 2006-5-8 10:12 发表
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! H) S2 s( ?1 h: a* m5 ~3 @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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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 . C* v, X/ {) G4 _' E
Spring is starting to arrive. Each and every year in late February and
9 J* \$ w x5 Cearly March, the banks start rolling out their Spring market campaign of
1 X+ p( Q- a7 [6 B A/ T9 u8 Bnew products in an effort to attract new consumers. And, if early signs ! j, w: O: }6 u: u$ [+ E
are any indication, we're poised for yet another busy spring. The banks
% B0 s% r: O5 W5 c, |5 \7 Oview this as the best time of year to get your attention by coming up $ @; N6 [ c- E' E! y! k
with new products or simply putting twists on old ideas. 3 p( Q; F) R; y3 I+ `+ J
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Over the next few weeks we'll see a variety of new products and this / e0 a6 I4 m5 T, T5 F+ c2 g
year the early theme I'm seeing is banks getting more creative in an
3 C& S. c# G: T2 Ieffort to help you borrow more money. This is partly in response to growing 2 n; Z4 x8 o* R. R9 B% L
concerns about the potential of rising rates. 1 \* o2 H; O" _2 V, o, d
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In an effort to take the focus away from rates, look for two lenders to
6 L# r o9 Z8 d* J( }# S* W9 }0 W- Z9 Ycome out with 'True Equity' programs that will allow home buyers the
$ h/ w" L& s4 Mability to borrow up to 75% of the equity in their homes without having ! e! `/ j7 l- X# i q" A% ^: o/ c, d
to qualify based on their incomes. These programs were previously only
$ Z) M0 W$ `; ~, yavailable to self-employed borrowers. Income earners had to either put 3 Z! [* B4 I; v7 H8 |
more money down or pay higher rates. This will now be a mortgage based
2 V1 b8 Y& y" ^* X) d; f" U, M7 Won the equity and the rates will be fully discounted.1 C0 s& t4 j0 w; I9 q# G1 P5 P
Another product to keep an eye on is more lenders who will be combining , g2 [1 d2 ^2 H# S/ r
the mortgage with the line of credit and creating a 'Global borrowing $ M4 z4 E5 K: R3 V- T7 K. {& a
limit' that will be re-advanceable. More and more consumers will be / f* E' s+ K1 A
looking for these kind of products for tax planning and investment " y) L( y e* ~/ M' `
strategies.
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And speaking about investors, banks are starting to recognize the
5 W# n; U- _3 c M" @growing number of home owners who are buying multiple revenue properties for : x% F/ i5 ~& u, l9 H3 W
investments and we now have an 'Interest-Only' mortgage available for 0 X/ e% \) F" N8 i
self-employed borrowers on a 'Stated-income' basis for revenue ; g5 W; Y. x7 Z. ?
properties. This marks the first time a self-employed individual can use " L/ Z' u6 B) j
'stated-income' to qualify for a revenue property. $ S4 p3 C4 t" A* C# z" W; [0 {
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The interest rates will be higher for this product, but it is
2 a8 l6 ~* z3 U. I, @reflective of a growing trend towards American-Style lending practices. A prime 8 N2 Q5 |3 m- P7 m3 j
example of an American trend influencing our banks will be longer % X3 R& X9 U7 M( k l
amortization periods. Canada has held tight on 25 year amortizations for
8 A% B: X& P* D3 v( R E9 ?years, up until now that is. A few lenders have announced 30 year
2 m9 w$ C ]+ q, ^6 O( q+ _amortizations on CMHC insured mortgages at fully discounted interest rates.# K* B7 c, l4 O, T, {) y$ `: Z' _
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Finally, in an effort to further take your attention away from the long
l! m" L% v4 u' U( B" Z, c4 jterm rates, look for lenders to get more creative with the discounts % }: H& g9 g$ ?# U; i
they offer on Variable Rate Mortgages. I fully expect to see stronger 6 `& D; `" f2 K+ ]# Q! \
competition in the form of creative 'front-end loaded' discounts and
% _& ?0 ?5 ]6 f& A( Jteaser rates that make it more confusing to compare an apple to an apple
. L0 t; e+ u$ R) o4 F/ V0 _' T pwhen shopping for the best mortgage option. It's going to be another busy / f4 p2 ~2 V* ]4 C' I
spring market and consumers are going to be faced with more choices
/ F! c2 }! Y! n2 l( R$ gthan ever before. The key, like always, is to get expert advice and
' i. I2 j% _! K1 g3 b0 R) w" aremember you have options. |
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发表于 2006-5-7 20:26
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