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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。4 H8 B: |: c4 F
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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。
* u4 k( m" i0 K8 n9 u0 PThe following article is written by Peter Kinch. j5 o: H% L) U
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Spring Is In The Air! In some markets in Canada it may feel like 5 w9 ]. Q3 p2 q$ s# L
Spring is starting to arrive. Each and every year in late February and ' |" Y9 ^# ~0 G) q, {% E
early March, the banks start rolling out their Spring market campaign of
! V E) K& G$ q( ?1 `/ {new products in an effort to attract new consumers. And, if early signs
: V8 y3 |/ u3 a6 u# Fare any indication, we're poised for yet another busy spring. The banks
% ~+ ^6 H- E- a2 q- x' @. g( `3 p4 rview this as the best time of year to get your attention by coming up ( A- d' W; C- l3 N% o$ `& P- ]
with new products or simply putting twists on old ideas. _4 _9 U' V, s% D
; P1 G1 U( |* Q3 Y, fOver the next few weeks we'll see a variety of new products and this
1 `( j& P: W" p9 y7 Oyear the early theme I'm seeing is banks getting more creative in an 6 V2 d# j" A% g5 o8 j
effort to help you borrow more money. This is partly in response to growing
9 V& L7 }) ]7 t H" B( V2 `/ Tconcerns about the potential of rising rates. / q9 _- g, K% I! g9 i5 I% M" |
' B4 I. P$ u* R4 P+ ~: N' NIn an effort to take the focus away from rates, look for two lenders to
/ b/ u; d. J: I0 u# v- Ucome out with 'True Equity' programs that will allow home buyers the
( @ P! N! @8 E' s) Vability to borrow up to 75% of the equity in their homes without having
6 D$ a% j7 q3 h7 e" Sto qualify based on their incomes. These programs were previously only
4 c, c0 E/ g. S/ R! savailable to self-employed borrowers. Income earners had to either put
: I" u5 s- R5 `) y: u, Imore money down or pay higher rates. This will now be a mortgage based ' Q% p1 S1 q/ R9 b5 C" U; I
on the equity and the rates will be fully discounted.- R& C6 V- b2 i2 }. x3 i% \& ]3 b
Another product to keep an eye on is more lenders who will be combining 5 W" t! x v$ u1 E1 q6 }
the mortgage with the line of credit and creating a 'Global borrowing
9 @( x$ F, O/ l- y) f, Climit' that will be re-advanceable. More and more consumers will be + g) l7 V M0 E6 z4 w
looking for these kind of products for tax planning and investment
) V; |' m" |$ N6 qstrategies. / g+ o/ V. P Q. u8 |+ T
- S( K# x; `8 i2 m0 V9 w5 TAnd speaking about investors, banks are starting to recognize the " F1 l1 z4 {5 F* d, Q
growing number of home owners who are buying multiple revenue properties for 0 c/ Q& I# C9 E1 b
investments and we now have an 'Interest-Only' mortgage available for
& g# g# N2 E8 t& L6 x3 Q3 fself-employed borrowers on a 'Stated-income' basis for revenue
8 n0 E) _2 T( N1 o8 E- U: fproperties. This marks the first time a self-employed individual can use - ?$ d" K i2 {) T6 e
'stated-income' to qualify for a revenue property. 4 p- j' U$ h& h7 g. T+ P" x, X
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The interest rates will be higher for this product, but it is
6 k: X3 C( ~4 K& d, g+ creflective of a growing trend towards American-Style lending practices. A prime & K" N4 h. p4 v6 L7 s
example of an American trend influencing our banks will be longer
& P" | A2 e, x. }0 ?& `amortization periods. Canada has held tight on 25 year amortizations for
/ m8 N& Z5 ?, z, q8 J) }+ Gyears, up until now that is. A few lenders have announced 30 year # C2 q6 z- m3 n' K( A
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 0 n% o& a6 U. s) A! Y& ` n3 y
term rates, look for lenders to get more creative with the discounts ' X, x8 C7 N# x' R' L
they offer on Variable Rate Mortgages. I fully expect to see stronger
' ^4 ^5 e) E' p9 u- Y- rcompetition in the form of creative 'front-end loaded' discounts and
4 o5 O2 I$ I9 t1 {; n7 cteaser rates that make it more confusing to compare an apple to an apple
7 D& u9 W. Q2 g) V |. cwhen shopping for the best mortgage option. It's going to be another busy
& @8 [) U) X9 Q& p4 N% Aspring market and consumers are going to be faced with more choices 1 `: m' G. C8 O9 |/ n4 M, a
than ever before. The key, like always, is to get expert advice and
8 }( _$ I5 Z0 G Mremember you have options. |
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发表于 2006-5-7 20:26
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