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原帖由 dgg 于 2006-5-8 10:12 发表
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T5 J/ A" N+ T7 v8 \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。
5 ]3 k1 ]5 e4 j) f3 K9 E2 u* S4 jThe following article is written by Peter Kinch. h1 p( A0 F; ?* r
0 ?/ I7 C% R* {+ f) H$ dSpring Is In The Air! In some markets in Canada it may feel like
9 [! K0 N6 y1 O# ASpring is starting to arrive. Each and every year in late February and ( G' {/ E- i7 |( k% a( N6 v7 R0 {
early March, the banks start rolling out their Spring market campaign of
# l; t* a. a# D/ \8 d6 d) M b/ f- N( Gnew products in an effort to attract new consumers. And, if early signs $ S6 n2 K0 x& _* k( ]5 _& V: X
are any indication, we're poised for yet another busy spring. The banks : e2 }; r0 S* u& c
view this as the best time of year to get your attention by coming up
) k6 Z# H% K6 Rwith new products or simply putting twists on old ideas.
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: S5 W# @& a1 M# A5 {4 ROver the next few weeks we'll see a variety of new products and this - M; l6 q/ x8 m/ {- h5 D
year the early theme I'm seeing is banks getting more creative in an ( v' M3 p$ s' F( A; E" o: U
effort to help you borrow more money. This is partly in response to growing 2 Z* K9 E* L% B- i! L" f
concerns 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 $ k% w8 _8 o g% G+ U& B
come out with 'True Equity' programs that will allow home buyers the " U" J( b. m% B
ability to borrow up to 75% of the equity in their homes without having 8 b" @( D' F' C2 I2 v. I
to qualify based on their incomes. These programs were previously only ' {; g& q/ k) J- Z
available to self-employed borrowers. Income earners had to either put 0 J, H# i3 @* p! U: \
more money down or pay higher rates. This will now be a mortgage based
: R4 i8 w, r8 F% }' @2 lon the equity and the rates will be fully discounted.
4 {9 `+ ?2 S4 WAnother product to keep an eye on is more lenders who will be combining
+ [& B h' u% T& _) Hthe mortgage with the line of credit and creating a 'Global borrowing 2 g: X; ?4 \0 [! W3 V0 v
limit' that will be re-advanceable. More and more consumers will be
. _$ k* `& Y6 W' M2 slooking for these kind of products for tax planning and investment
2 j9 g) q" x' K$ a- B- rstrategies. 1 j4 v# j5 W7 }
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And speaking about investors, banks are starting to recognize the
) e* S `+ Y* i3 d: v& Bgrowing number of home owners who are buying multiple revenue properties for , t* W0 J0 z; G
investments and we now have an 'Interest-Only' mortgage available for
0 a: v6 M- }7 n9 y; q' {& Qself-employed borrowers on a 'Stated-income' basis for revenue # [. H% g+ R3 V- u: L' @" g9 l
properties. This marks the first time a self-employed individual can use
, M) E1 l6 |" c* `. e'stated-income' to qualify for a revenue property. 6 W3 ?7 E# v" n: V, a
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The interest rates will be higher for this product, but it is 2 t- Z" B! m. ^- Q/ Z
reflective of a growing trend towards American-Style lending practices. A prime & i' Q3 n0 E) n& \, [
example of an American trend influencing our banks will be longer
: L* ?* `$ p, o1 b% w _) Zamortization periods. Canada has held tight on 25 year amortizations for ' u* C; j5 \0 g: P
years, up until now that is. A few lenders have announced 30 year
- ~+ i' g; T. n/ L+ Z0 b' h$ Ramortizations on CMHC insured mortgages at fully discounted interest rates.5 o8 O( U3 }; h: j) s2 b) a
, Y, f% h9 d2 @( e. W- ]Finally, in an effort to further take your attention away from the long + S5 M1 Q% Q" \) z6 I
term rates, look for lenders to get more creative with the discounts
# n" l& P* H& X' D; X6 D# `0 Sthey offer on Variable Rate Mortgages. I fully expect to see stronger
0 @2 S0 i) J7 O6 k1 h; P |# Ncompetition in the form of creative 'front-end loaded' discounts and
9 Y0 e9 ^' {% Y1 R* oteaser rates that make it more confusing to compare an apple to an apple * L4 U7 d+ f7 R
when shopping for the best mortgage option. It's going to be another busy
( r' o4 l- X# G8 y8 Uspring market and consumers are going to be faced with more choices ' S6 G5 Q m2 a- G7 E, t1 G
than ever before. The key, like always, is to get expert advice and
K x# t; B" E) H: H) J! Vremember you have options. |
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发表于 2006-5-7 20:26
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