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原帖由 dgg 于 2006-5-8 10:12 发表 X- `$ _& t, b3 q. I: V- S
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9 U# n2 [& x! }& w" {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.2 P' T" I! `0 o9 N
0 o2 L [; }) c4 }2 p% B# RSpring Is In The Air! In some markets in Canada it may feel like
1 v" F I% D, d( q, E/ xSpring is starting to arrive. Each and every year in late February and
7 v* R6 f4 P( q5 O& F7 Gearly March, the banks start rolling out their Spring market campaign of
+ j, d- A; \( ~# O, Rnew products in an effort to attract new consumers. And, if early signs 2 ^. g1 v C' s0 k# ]0 A# [8 G" X
are any indication, we're poised for yet another busy spring. The banks 8 {2 G& H$ b9 `/ c
view this as the best time of year to get your attention by coming up
$ }0 |9 I! ]1 \with new products or simply putting twists on old ideas. / w6 G- g _" }
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Over the next few weeks we'll see a variety of new products and this # D( k7 C* x- K( H% w' u p" `
year the early theme I'm seeing is banks getting more creative in an " n) D- \+ K" @/ W; g
effort to help you borrow more money. This is partly in response to growing
. `2 Y2 a- W) Oconcerns 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
1 A$ l: J' a+ l" C8 ^8 @come out with 'True Equity' programs that will allow home buyers the
$ N/ Z" O" P% t6 @- d1 @7 X5 M' O' z% h. Yability to borrow up to 75% of the equity in their homes without having
% l# a# @. `0 r qto qualify based on their incomes. These programs were previously only : j6 W T. s) B7 R* P" |2 j& w
available to self-employed borrowers. Income earners had to either put
% {6 `' ]' E( W6 B7 i9 Zmore money down or pay higher rates. This will now be a mortgage based
8 \( K: X) g) l8 M, l1 Zon the equity and the rates will be fully discounted.: G6 A' g) E C- P
Another product to keep an eye on is more lenders who will be combining
: x4 K3 V! ^$ |$ v' t6 n Bthe mortgage with the line of credit and creating a 'Global borrowing
5 b; H6 E/ X6 J! j; }% Llimit' that will be re-advanceable. More and more consumers will be 4 n9 Y y( [4 w: i- j( I
looking for these kind of products for tax planning and investment
' o3 I* O; K' t Z7 F# vstrategies.
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And speaking about investors, banks are starting to recognize the
3 N6 A: A) ]. z: W% w. ~growing number of home owners who are buying multiple revenue properties for 2 n. V, L! h7 |! D
investments and we now have an 'Interest-Only' mortgage available for
# x8 Y& g+ J- z) {5 m* u8 Zself-employed borrowers on a 'Stated-income' basis for revenue ( P/ r7 Y; L& s3 [
properties. This marks the first time a self-employed individual can use 1 ^$ b1 G& e: D0 L
'stated-income' to qualify for a revenue property. ) f) c9 ?1 Q- P, G* z
$ v: V0 ~8 E- b3 l' bThe interest rates will be higher for this product, but it is
5 H' y. T- V: W5 [% Breflective of a growing trend towards American-Style lending practices. A prime 2 [# A R* F" K% [" b% [: t* _
example of an American trend influencing our banks will be longer
0 I: O0 t3 e& C" famortization periods. Canada has held tight on 25 year amortizations for 3 A; F: N: l; H$ h6 j
years, up until now that is. A few lenders have announced 30 year ! H" p. B, |2 R. A6 z! |; L3 W
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 ( s" q) X9 b& I! ]
term rates, look for lenders to get more creative with the discounts
$ n7 i% {: J+ q* z6 Qthey offer on Variable Rate Mortgages. I fully expect to see stronger X# ~+ @, V8 y0 _
competition in the form of creative 'front-end loaded' discounts and
0 U. H* T& O0 u1 {. Cteaser rates that make it more confusing to compare an apple to an apple
" N) V" w1 D& d/ nwhen shopping for the best mortgage option. It's going to be another busy ' i4 K0 h6 p8 _, C
spring market and consumers are going to be faced with more choices
, ]1 M4 T( ]- h9 q3 J" pthan ever before. The key, like always, is to get expert advice and
S8 W7 T/ ^# d; Q1 Y( w. Q. A& d" vremember you have options. |
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发表于 2006-5-7 20:26
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