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原帖由 dgg 于 2006-5-8 10:12 发表
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# k* x! ]: _. y8 H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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8 l4 Q# c) M" ~" |! s2 sSpring Is In The Air! In some markets in Canada it may feel like
, U0 {0 N+ K6 \1 [Spring is starting to arrive. Each and every year in late February and
a. p% A9 D6 s! V/ k4 Wearly March, the banks start rolling out their Spring market campaign of # E5 h' P) J3 {0 a+ N3 g! P
new products in an effort to attract new consumers. And, if early signs
% Q" k5 y4 h/ Y, i, c$ p9 c- tare any indication, we're poised for yet another busy spring. The banks b" B: d' R7 c! ^, j0 J: H E
view this as the best time of year to get your attention by coming up * O! V9 N- ?- R
with 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 % n* l" Z% [+ c
year the early theme I'm seeing is banks getting more creative in an
% H& L" W+ A6 g6 m7 Aeffort to help you borrow more money. This is partly in response to growing 7 t7 o4 {6 ^, R5 E/ S' I
concerns about the potential of rising rates.
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! U9 e. w8 y& pIn an effort to take the focus away from rates, look for two lenders to
% h0 \4 |% H9 a5 r5 rcome out with 'True Equity' programs that will allow home buyers the 4 V- O" G/ J f% O; f: p+ }
ability to borrow up to 75% of the equity in their homes without having 3 ]% s) R6 n2 ]" Y2 O
to qualify based on their incomes. These programs were previously only
3 _! w. K: D0 {5 ~6 P6 Havailable to self-employed borrowers. Income earners had to either put . N% q8 d* {7 u2 u
more money down or pay higher rates. This will now be a mortgage based M' z# H( i6 y# w9 }
on the equity and the rates will be fully discounted.
' M0 y% Q& v; U, B- IAnother product to keep an eye on is more lenders who will be combining 5 p, U1 \/ w/ N# \$ U
the mortgage with the line of credit and creating a 'Global borrowing
U* c* f8 Z1 o0 I1 c6 r8 Rlimit' that will be re-advanceable. More and more consumers will be . l5 J4 B6 P9 m6 O
looking for these kind of products for tax planning and investment
9 t0 m5 k$ q9 i1 G6 N. Istrategies.
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2 n5 X& G# R; ~And speaking about investors, banks are starting to recognize the / F5 _; N* Q. Q2 @
growing number of home owners who are buying multiple revenue properties for M! p5 Q: E' y) ]
investments and we now have an 'Interest-Only' mortgage available for
8 Y- p( ?- t0 S' P, Zself-employed borrowers on a 'Stated-income' basis for revenue , @1 s7 y- Y! v. F5 _' u" U3 C
properties. This marks the first time a self-employed individual can use 4 k: j& o) g8 E3 V x3 V
'stated-income' to qualify for a revenue property. O( h3 F8 c$ h5 }" T8 I- c
3 o$ G8 c/ c0 x4 L1 {' b5 qThe interest rates will be higher for this product, but it is $ m% ?" s9 y7 O
reflective of a growing trend towards American-Style lending practices. A prime : J1 Y+ ` V) s$ f0 ?
example of an American trend influencing our banks will be longer
/ A: F+ }! p! |4 q5 C8 Tamortization periods. Canada has held tight on 25 year amortizations for
4 H8 ^4 E# c) t3 X+ ]years, up until now that is. A few lenders have announced 30 year 3 X& C( y6 Q% X1 d8 W# H, }
amortizations on CMHC insured mortgages at fully discounted interest rates.9 W9 u! `+ w+ Q4 g2 j+ K# K
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Finally, in an effort to further take your attention away from the long ( S6 K& |) P( y. Z5 p% n
term rates, look for lenders to get more creative with the discounts
2 J; F8 k8 W% S9 R/ ~9 Wthey offer on Variable Rate Mortgages. I fully expect to see stronger
+ d& H/ S$ B4 [2 q j$ gcompetition in the form of creative 'front-end loaded' discounts and
: }" q" j( t8 B! u6 `% u) lteaser rates that make it more confusing to compare an apple to an apple
- c( a: e/ Y. r- l( `/ \) x. bwhen shopping for the best mortgage option. It's going to be another busy . p* G9 V! }9 v& c$ Q3 a
spring market and consumers are going to be faced with more choices
! U1 X5 {% W: J+ }# m' W5 a# [" `# \than ever before. The key, like always, is to get expert advice and & F" r; [6 P! @/ X5 X
remember you have options. |
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发表于 2006-5-7 20:26
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