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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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G$ D, h7 t* T3 |# ?) H/ b. w. c q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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4 }; i' n. A1 c8 oThe following article is written by Peter Kinch.
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7 `, x) [( d# K7 V/ ^Spring Is In The Air! In some markets in Canada it may feel like 9 X4 u$ w$ @( D1 F& k( z' ^ z
Spring is starting to arrive. Each and every year in late February and 4 L2 X1 C6 s7 s. z
early March, the banks start rolling out their Spring market campaign of ! R5 H6 ^5 }: n0 t
new products in an effort to attract new consumers. And, if early signs
- ?+ U, k7 G5 ^ C0 @$ T/ Vare any indication, we're poised for yet another busy spring. The banks
& k2 t) o8 ]( x& {view this as the best time of year to get your attention by coming up
3 y9 `3 \: ^! F. m Z9 Lwith new products or simply putting twists on old ideas. ) u3 i8 @" f3 R' m+ r: X
' h4 v8 v4 B( ~& f. B0 L9 W& zOver the next few weeks we'll see a variety of new products and this
4 E* r1 s+ K. l) Dyear the early theme I'm seeing is banks getting more creative in an & _4 M- R& ]6 F
effort to help you borrow more money. This is partly in response to growing # _ C( i2 E, C Z/ l. l
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to 9 j' V( a& h: d5 `, m7 U
come out with 'True Equity' programs that will allow home buyers the ) r1 m* o2 g- Z& U% e4 h9 h
ability to borrow up to 75% of the equity in their homes without having
% ]* f" O# ]) W( W+ @" |4 B! o Jto qualify based on their incomes. These programs were previously only 2 v2 ?' f) p, E7 I; p. M1 v9 b4 |
available to self-employed borrowers. Income earners had to either put
5 l9 s: H$ J( H W# [+ L# F3 z+ Mmore money down or pay higher rates. This will now be a mortgage based ' e% ^2 Y) X4 ?
on the equity and the rates will be fully discounted.# b' K$ O5 D, {. V
Another product to keep an eye on is more lenders who will be combining * b1 r! T& B; v0 s# i4 u& h: C, |3 L
the mortgage with the line of credit and creating a 'Global borrowing
* m" ]. ^3 p0 ]; Z7 rlimit' that will be re-advanceable. More and more consumers will be 2 Z" }; b6 X0 B" r6 q! h$ l& |
looking for these kind of products for tax planning and investment $ ?+ F# Z# E8 L! b8 a7 s6 J9 W
strategies.
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1 j9 L0 j/ Y) a+ m* e* M; vAnd speaking about investors, banks are starting to recognize the 8 h1 |5 s1 }7 v& m- u; G# N& L
growing number of home owners who are buying multiple revenue properties for
$ C( J# P$ N x, n3 x* d( a& w. minvestments and we now have an 'Interest-Only' mortgage available for
: g& B# \1 z+ X0 j5 [9 zself-employed borrowers on a 'Stated-income' basis for revenue % W! |1 \4 E; |9 [9 I
properties. This marks the first time a self-employed individual can use
$ P- j1 _: n+ P" b8 F3 N'stated-income' to qualify for a revenue property. 4 g9 b, T7 J. O8 e6 \" z. W
2 J4 B' U% O) r# w( k! f+ AThe interest rates will be higher for this product, but it is
) @6 t2 {$ p7 m8 {% n. G1 ^reflective of a growing trend towards American-Style lending practices. A prime
1 d; d, k3 a. ~example of an American trend influencing our banks will be longer
; Z3 N0 h8 r Wamortization periods. Canada has held tight on 25 year amortizations for ; g, S. Q, t3 Q( R# r* o# \ _
years, up until now that is. A few lenders have announced 30 year
( w, {3 X0 z2 Jamortizations on CMHC insured mortgages at fully discounted interest rates.$ L8 s/ [$ D$ ]* d
$ }4 c9 q# S7 p7 tFinally, in an effort to further take your attention away from the long
' p; }! T$ e/ a% Sterm rates, look for lenders to get more creative with the discounts . h" p0 w) k( ^5 B/ V1 ^, x, H2 z
they offer on Variable Rate Mortgages. I fully expect to see stronger
% E7 \( h9 F" Lcompetition in the form of creative 'front-end loaded' discounts and + }% g* I7 o- U" V, O& G: c
teaser rates that make it more confusing to compare an apple to an apple
& j k1 g5 Z6 b3 b* nwhen shopping for the best mortgage option. It's going to be another busy
6 u0 Y: ^& a4 Z4 T! Z Ispring market and consumers are going to be faced with more choices
* e8 ]) M7 Q, S Q( Mthan ever before. The key, like always, is to get expert advice and 6 r# h& v, F, Z8 \; s" x' V
remember you have options. |
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发表于 2006-5-7 20:26
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