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原帖由 dgg 于 2006-5-8 10:12 发表* Y2 b9 G+ m5 c
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谢谢，请继续。6 I* ^ i" E+ B. f# r
. W8 L7 \$ }5 N! N( P; C. X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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0 n9 j: w4 q& u3 V0 R8 }The following article is written by Peter Kinch.$ Y8 U( o5 ]/ z
, ?1 j" c2 G7 ~2 Z# A0 BSpring Is In The Air! In some markets in Canada it may feel like + ~( Y, H( p; O
Spring is starting to arrive. Each and every year in late February and $ H& |4 u7 {; e* e
early March, the banks start rolling out their Spring market campaign of
- r: i$ r! y/ J: Lnew products in an effort to attract new consumers. And, if early signs
: ^. Z. V" x* E, N% iare any indication, we're poised for yet another busy spring. The banks
6 S$ d6 v$ w# h' `$ k5 oview this as the best time of year to get your attention by coming up
9 |( A, `) `( d3 Swith 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
: A4 n& x" j3 @5 X9 `* jyear the early theme I'm seeing is banks getting more creative in an 6 e" J1 W/ w# j H
effort to help you borrow more money. This is partly in response to growing / u: v+ A9 w, f" {4 Y5 ~. r% z0 u* _* D& Z
concerns about the potential of rising rates. ( L6 j2 _* I) ]2 Z
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In an effort to take the focus away from rates, look for two lenders to
: c1 o1 r! C: |/ }come out with 'True Equity' programs that will allow home buyers the
% N3 \9 K, ~7 [( ~8 Yability to borrow up to 75% of the equity in their homes without having $ H' k' M5 E2 j4 `6 i U
to qualify based on their incomes. These programs were previously only
w2 Q! d4 d* e2 S6 I. vavailable to self-employed borrowers. Income earners had to either put
7 E. u1 l- [( ~; Lmore money down or pay higher rates. This will now be a mortgage based
P+ e) w+ A u0 |! a; xon the equity and the rates will be fully discounted.
. a$ T F% e1 G6 G# xAnother product to keep an eye on is more lenders who will be combining
1 d8 @; o) ^0 t4 b$ l- w6 Wthe mortgage with the line of credit and creating a 'Global borrowing 8 H2 g- ^# T" b, a
limit' that will be re-advanceable. More and more consumers will be
- ^7 ^% V/ H3 zlooking for these kind of products for tax planning and investment ( Q9 c9 Z, \ @ R( o5 D2 G
strategies. 7 U2 U' o) F( ~1 ?/ b" y m
0 ?7 m% n% ]- ~. k5 m" W5 HAnd speaking about investors, banks are starting to recognize the 9 v# ^& y4 \9 ~6 Z' A
growing number of home owners who are buying multiple revenue properties for
% k2 f* R" u* V* Z* d) M5 Finvestments and we now have an 'Interest-Only' mortgage available for ! W7 D/ i5 u% t7 D- D: S% k* y* w
self-employed borrowers on a 'Stated-income' basis for revenue
+ n+ m Q# p4 Eproperties. This marks the first time a self-employed individual can use
! c. z4 o( Y& s% W3 C+ p4 Q1 x'stated-income' to qualify for a revenue property. 6 b* k+ R0 U/ m! J! ~
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The interest rates will be higher for this product, but it is ) t+ L0 f' A V: h# d7 m
reflective of a growing trend towards American-Style lending practices. A prime # O! C1 ]$ G) v6 G2 `9 S8 }
example of an American trend influencing our banks will be longer ( j/ P/ Q; b" Q p( `7 F7 O
amortization periods. Canada has held tight on 25 year amortizations for ' h6 y: S/ T1 X f' _+ e; D
years, up until now that is. A few lenders have announced 30 year
! J# l. A# N) a3 ramortizations on CMHC insured mortgages at fully discounted interest rates.
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$ u- w7 m0 V# Z/ L" P' _Finally, in an effort to further take your attention away from the long . a. w( o1 z% Y' C( l: ?5 [6 w
term rates, look for lenders to get more creative with the discounts % O0 y2 D3 b7 u5 r3 s
they offer on Variable Rate Mortgages. I fully expect to see stronger
( z, |. Z' L- _4 a2 Z( ^- tcompetition in the form of creative 'front-end loaded' discounts and
* K& L) g+ r5 u3 B2 gteaser rates that make it more confusing to compare an apple to an apple
& ~) B# |5 r& J# ~2 Fwhen shopping for the best mortgage option. It's going to be another busy 5 O" }1 S$ o# u
spring market and consumers are going to be faced with more choices
9 |: {' x* N4 A$ g" ithan ever before. The key, like always, is to get expert advice and
, ]5 G/ l1 l) @4 i* M* f% bremember you have options. |
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