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原帖由 dgg 于 2006-5-8 10:12 发表
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% ? a h, r; l8 V6 A5 p谢谢，请继续。% i& ]8 {6 r$ Q( p! l/ U# Q2 ^
! ~; C! L6 a7 b' r3 I: F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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( I T$ x! C% q& j2 i8 G' I9 lSpring Is In The Air! In some markets in Canada it may feel like : p7 Q& E! P9 z0 j* Q% I
Spring is starting to arrive. Each and every year in late February and
) S7 E! }7 b/ \4 X* r" c5 | [early March, the banks start rolling out their Spring market campaign of
. H9 \ h8 T) K$ n9 fnew products in an effort to attract new consumers. And, if early signs
y. R4 q+ Y9 c+ e0 b0 Y9 oare any indication, we're poised for yet another busy spring. The banks . ?" P! s7 \! u" U/ b
view this as the best time of year to get your attention by coming up
s' X% N1 U. m' ]- zwith 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
: b0 |! f3 y. h9 Z6 g. kyear the early theme I'm seeing is banks getting more creative in an
" Q0 v6 |0 D+ ^' \( Y9 meffort to help you borrow more money. This is partly in response to growing - ~- C0 c7 u, o, s
concerns about the potential of rising rates. 8 m& V8 ?. v! B9 j- {
% [5 p, o2 q; d* M8 ~) W. ~In an effort to take the focus away from rates, look for two lenders to
1 I: t/ V. L/ `% j6 \5 Z! ?6 Scome out with 'True Equity' programs that will allow home buyers the
( M; W9 x% e( z: ~% b0 Cability to borrow up to 75% of the equity in their homes without having " T$ v: K r( z
to qualify based on their incomes. These programs were previously only ' ~ `. ?1 g1 N: {
available to self-employed borrowers. Income earners had to either put
, U2 P# A6 A' pmore money down or pay higher rates. This will now be a mortgage based : L+ F3 E+ t5 q, i
on the equity and the rates will be fully discounted.: p* W5 j7 I. G
Another product to keep an eye on is more lenders who will be combining
; R. F* d; X1 g; Y0 V" Y# ]the mortgage with the line of credit and creating a 'Global borrowing
, X6 V" I4 n3 Z% ^limit' that will be re-advanceable. More and more consumers will be * ] u/ R6 S$ O" g1 a9 f9 {# Y$ v
looking for these kind of products for tax planning and investment
# k4 M7 Y& E- ~( R5 zstrategies.
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- p9 G- R: ^( e/ ZAnd speaking about investors, banks are starting to recognize the ) V% Z- _$ Q, F: |- g, j/ N* ]
growing number of home owners who are buying multiple revenue properties for
) _" |9 K3 L' S* {6 U7 Xinvestments and we now have an 'Interest-Only' mortgage available for - O4 J( S; o5 R* P
self-employed borrowers on a 'Stated-income' basis for revenue
% X) y- c* m5 C3 c+ ^3 G& a. l6 {properties. This marks the first time a self-employed individual can use
/ F% y" Z7 N* m2 C& F p'stated-income' to qualify for a revenue property. 5 L$ m+ \3 K0 G) U i" L
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The interest rates will be higher for this product, but it is
$ I. T: Y8 P* Lreflective of a growing trend towards American-Style lending practices. A prime " d% a2 C; i8 `, f' J8 z
example of an American trend influencing our banks will be longer
! e b# M4 d+ I( M& U& Jamortization periods. Canada has held tight on 25 year amortizations for
2 c H4 |( C$ n! l0 x, vyears, up until now that is. A few lenders have announced 30 year
) F/ Y4 w5 V* J# M* \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 * P$ y, E% D7 {8 D
term rates, look for lenders to get more creative with the discounts ( N& T. }# y6 c! a, k& F
they offer on Variable Rate Mortgages. I fully expect to see stronger
8 D4 `! R5 i0 e$ c: ycompetition in the form of creative 'front-end loaded' discounts and
: G! B7 N% f7 S( mteaser rates that make it more confusing to compare an apple to an apple
) \$ J- q0 v7 ]when shopping for the best mortgage option. It's going to be another busy
\% c8 j. ]0 v, Tspring market and consumers are going to be faced with more choices
2 ~" [1 Y& `: x, Tthan ever before. The key, like always, is to get expert advice and
! @* r) F# h$ e; l6 Wremember you have options. |
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发表于 2006-5-7 20:26
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