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原帖由 dgg 于 2006-5-8 10:12 发表; }' g3 g% b, G( h
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谢谢，请继续。$ d2 d0 C1 D$ q, | C
) J; R3 ~ z& q- C* |( g+ V& w' d2 x- k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.' y7 W3 R6 ` `5 d5 P* @* z
0 T$ L A3 h6 |2 o" aSpring Is In The Air! In some markets in Canada it may feel like * }4 T" |! ?3 }
Spring is starting to arrive. Each and every year in late February and
% m: c) K [8 H) ^. C% Bearly March, the banks start rolling out their Spring market campaign of
% M% ^5 M' P# |; Q. s9 Fnew products in an effort to attract new consumers. And, if early signs
; q" x: l9 T5 d8 x6 a% aare any indication, we're poised for yet another busy spring. The banks 2 U$ [+ d4 u5 i, L* M
view this as the best time of year to get your attention by coming up 1 f2 R M" R/ [1 |4 r5 a) b
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 % P5 {* v8 H5 Z( } s) W: o" L
year the early theme I'm seeing is banks getting more creative in an
0 f1 z9 S& s6 @/ W# A$ r8 P) g9 D5 ~2 W- heffort to help you borrow more money. This is partly in response to growing
9 t& V! h7 w4 c' a- Iconcerns 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
' H: h l- T) e1 K# Vcome out with 'True Equity' programs that will allow home buyers the 9 H% z1 W _/ v# a8 Y) y
ability to borrow up to 75% of the equity in their homes without having
" z; a* [; H% F$ q r! @/ @. X, l4 ^3 A# Zto qualify based on their incomes. These programs were previously only
4 H5 {$ F7 ^" d: z8 o7 I" n: y+ Favailable to self-employed borrowers. Income earners had to either put
3 ?! q) ^9 b$ S! f: s p; ~. j, Bmore money down or pay higher rates. This will now be a mortgage based , }6 {( o- W2 r7 H' y4 G
on the equity and the rates will be fully discounted.
+ n4 ^5 T; H1 @2 gAnother product to keep an eye on is more lenders who will be combining : F$ w! `* q( N9 L( X3 w
the mortgage with the line of credit and creating a 'Global borrowing
" r5 R1 ~% E2 H) z/ s7 A( _limit' that will be re-advanceable. More and more consumers will be
. e* I" k7 x4 g+ D$ t4 F. Z- clooking for these kind of products for tax planning and investment 3 A2 Z2 n" J' |( S" ]
strategies.
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1 g v% w) H: }: A# sAnd speaking about investors, banks are starting to recognize the $ D' D. `. F+ s) |0 l4 A; w/ N/ R/ Y
growing number of home owners who are buying multiple revenue properties for 5 Z7 u4 n/ B% L" C
investments and we now have an 'Interest-Only' mortgage available for 5 R( m4 j) g% E8 o& Z2 c
self-employed borrowers on a 'Stated-income' basis for revenue 8 B+ I# l: Z% L2 Y
properties. This marks the first time a self-employed individual can use ) @ ^% X3 _, l, B
'stated-income' to qualify for a revenue property.
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; R; w4 q2 K# V& xThe interest rates will be higher for this product, but it is
3 F( w* B+ E) Creflective of a growing trend towards American-Style lending practices. A prime 2 R$ ^# I j& M+ u$ c
example of an American trend influencing our banks will be longer 6 H- s3 O; n! [
amortization periods. Canada has held tight on 25 year amortizations for
. d" G m, \/ {. }" Byears, up until now that is. A few lenders have announced 30 year
; o6 u1 K! I5 V1 d' J2 e* `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
, R# v4 Q4 E3 L7 hterm rates, look for lenders to get more creative with the discounts
# n$ {( ~: I2 }+ }9 `. Fthey offer on Variable Rate Mortgages. I fully expect to see stronger
7 m, P: n- t) Y( m5 Dcompetition in the form of creative 'front-end loaded' discounts and 3 d# e- u f- `9 H7 J9 S& V# J
teaser rates that make it more confusing to compare an apple to an apple 6 ? H, |! V9 L1 K1 R n9 w
when shopping for the best mortgage option. It's going to be another busy
5 F2 }2 v5 s/ v- ospring market and consumers are going to be faced with more choices
. h9 T4 R" w/ j8 h7 e! S' _& L+ Othan ever before. The key, like always, is to get expert advice and
+ x; C' d+ C- X# E0 a4 K0 ?& z% uremember you have options. |
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发表于 2006-5-7 20:26
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