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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。
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: r8 _2 v9 F( l- {2 u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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Spring Is In The Air! In some markets in Canada it may feel like
5 C9 M& [- |) \( ]; h- \( kSpring is starting to arrive. Each and every year in late February and 3 Q3 E! W' Y' E: F+ `; l
early March, the banks start rolling out their Spring market campaign of
7 \% d# N2 [+ T* Unew products in an effort to attract new consumers. And, if early signs
$ ~5 |" S9 j+ L$ L1 B) Xare any indication, we're poised for yet another busy spring. The banks
' _: J0 ?+ ]$ u# H3 Aview this as the best time of year to get your attention by coming up
# C% A5 Z7 b y' Wwith new products or simply putting twists on old ideas.
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2 }/ C4 }# Q4 o6 j: h) J1 y3 [Over the next few weeks we'll see a variety of new products and this 9 e% d6 Y& s* d9 ?; z* W+ l
year the early theme I'm seeing is banks getting more creative in an 2 K3 z3 [% C b- k& F" h1 _( ~
effort to help you borrow more money. This is partly in response to growing
6 q1 v: k/ e, ]) }' X9 [8 cconcerns about the potential of rising rates. 1 u+ i; Z4 I6 f9 Q3 W0 c, z) w, h j% p
1 B! I4 N5 o* s; h RIn an effort to take the focus away from rates, look for two lenders to . c- p; S* \4 S% q7 \- _
come out with 'True Equity' programs that will allow home buyers the - z5 X' ~ o0 {
ability to borrow up to 75% of the equity in their homes without having
6 l/ A8 ?4 M0 B6 mto qualify based on their incomes. These programs were previously only 8 P! j# e) `) w; V# B; y P' H
available to self-employed borrowers. Income earners had to either put l& _6 J6 d. ~/ ^9 Y; W& R
more money down or pay higher rates. This will now be a mortgage based 4 F. [: b+ E" a: w1 W) A: b7 ?+ D
on the equity and the rates will be fully discounted.. d' H5 L, c9 _, E( k
Another product to keep an eye on is more lenders who will be combining
: B1 Y2 K7 X/ M4 m( |+ O. x/ y! d% ethe mortgage with the line of credit and creating a 'Global borrowing ( D2 E. j7 I9 i' x
limit' that will be re-advanceable. More and more consumers will be # E# c+ P+ r3 }& Y6 y( s7 X
looking for these kind of products for tax planning and investment
8 `4 K, x& w9 w0 ?! q6 Hstrategies. 9 f+ [7 \& r) S8 [' t
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And speaking about investors, banks are starting to recognize the
X) E" L9 H; ^9 V& g4 zgrowing number of home owners who are buying multiple revenue properties for
8 H3 m W. _, A5 _7 ?0 A* o1 e1 n) }investments and we now have an 'Interest-Only' mortgage available for
! v- L3 C% p) s$ z" Yself-employed borrowers on a 'Stated-income' basis for revenue / U9 \- p5 L% w+ L+ U' u
properties. This marks the first time a self-employed individual can use
1 [; i4 e0 I q- g'stated-income' to qualify for a revenue property. 5 N8 Y5 [3 Q& v% \
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The interest rates will be higher for this product, but it is + W X9 v3 ^* E
reflective of a growing trend towards American-Style lending practices. A prime # x9 ?+ K0 @" q
example of an American trend influencing our banks will be longer
" M$ A% Q+ Y9 D0 } e0 {; [; g) I! Iamortization periods. Canada has held tight on 25 year amortizations for
) f& \- y4 Q5 s# L1 W uyears, up until now that is. A few lenders have announced 30 year
8 V8 R9 {( m- Q( m3 qamortizations 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 % T' ]0 ]; Y6 `5 B- a: A7 i1 n, @
term rates, look for lenders to get more creative with the discounts " L* _; O% _1 h+ M P9 [' [& k
they offer on Variable Rate Mortgages. I fully expect to see stronger
0 u% N* x( R& |* tcompetition in the form of creative 'front-end loaded' discounts and 6 T5 U, ? T, w
teaser rates that make it more confusing to compare an apple to an apple 5 ^) ]) \! b2 H/ i3 O
when shopping for the best mortgage option. It's going to be another busy - C6 g1 j) h! Y
spring market and consumers are going to be faced with more choices
8 |. @ D: @) q- p; W' L, Jthan ever before. The key, like always, is to get expert advice and ' _5 j! Z1 a9 D9 v! p& E2 R8 K
remember you have options. |
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发表于 2006-5-7 20:26
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