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原帖由 dgg 于 2006-5-8 10:12 发表$ q3 Y6 @; l% `
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谢谢，请继续。% x6 L, G" u8 J7 Z. x; |$ Q
$ d. E; Y- p, n! t( ?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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- f6 k+ }( h9 @8 r4 z2 K8 m6 WThe following article is written by Peter Kinch.
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7 b5 |2 P, Q% b# z% t* HSpring Is In The Air! In some markets in Canada it may feel like " l, r3 b3 \2 X
Spring is starting to arrive. Each and every year in late February and
) ^0 i5 _* |; N7 Q$ W; iearly March, the banks start rolling out their Spring market campaign of
; p: \5 k& N: wnew products in an effort to attract new consumers. And, if early signs
8 O$ g `$ A# v6 Y* Yare any indication, we're poised for yet another busy spring. The banks
0 Q3 C$ M) l+ J3 @" ]: p1 Hview this as the best time of year to get your attention by coming up 2 Z- \4 N: f2 }+ F" N" @0 h
with new products or simply putting twists on old ideas. 1 ^" @* P) y8 ^# E' G
; X8 m& T5 F& k( B* b T2 jOver the next few weeks we'll see a variety of new products and this ' ]. n! q# {2 Y0 i1 K( L+ i/ _
year the early theme I'm seeing is banks getting more creative in an
0 N9 r! ]. t3 L8 @effort to help you borrow more money. This is partly in response to growing
) X4 T% b9 L F5 ^0 r; hconcerns about the potential of rising rates. ; g% e' R" w: y
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In an effort to take the focus away from rates, look for two lenders to
3 N3 a! m, x- H+ J5 J$ Tcome out with 'True Equity' programs that will allow home buyers the P7 }3 s& _4 v
ability to borrow up to 75% of the equity in their homes without having
; Z7 {. U2 Z* v% E) Q" l' ]4 qto qualify based on their incomes. These programs were previously only
0 t+ m7 d: Y1 iavailable to self-employed borrowers. Income earners had to either put
) w' h2 b- b5 E. ^; W( pmore money down or pay higher rates. This will now be a mortgage based + z& ?+ p. [6 d2 V7 S$ F
on the equity and the rates will be fully discounted.8 K! G& q7 o4 M8 J
Another product to keep an eye on is more lenders who will be combining
1 Q' y8 n3 D* _5 v5 Y: m) ]the mortgage with the line of credit and creating a 'Global borrowing
3 u9 w* y8 q5 L3 E! G7 q' k. slimit' that will be re-advanceable. More and more consumers will be & A; ]) V2 `# f) O( X9 k; Q
looking for these kind of products for tax planning and investment
, J: z; n, J3 b; w' Zstrategies. 5 @0 y' E. ^, E
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And speaking about investors, banks are starting to recognize the
# \3 [/ ^$ `$ z0 G+ p9 Xgrowing number of home owners who are buying multiple revenue properties for 6 h& a1 B9 A' ^( K/ s
investments and we now have an 'Interest-Only' mortgage available for ) U4 r6 M0 Q9 h& ?
self-employed borrowers on a 'Stated-income' basis for revenue ( s9 o3 B7 y. N4 T) ]- d' w
properties. This marks the first time a self-employed individual can use
7 P+ S( U) j& s- b( e! `'stated-income' to qualify for a revenue property. & c# E1 w: c- @
8 Z& x) O5 I; u2 z% ~7 Q2 ]% ~3 g* `" KThe interest rates will be higher for this product, but it is ( G" b0 D6 u1 W* R/ x, M5 Q& w+ t4 f
reflective of a growing trend towards American-Style lending practices. A prime ( z2 b3 O1 Y: D: ^# d7 e) a
example of an American trend influencing our banks will be longer ( L( }" u0 `5 E9 A' F
amortization periods. Canada has held tight on 25 year amortizations for . R6 C+ K0 E9 @6 Y6 ]# W
years, up until now that is. A few lenders have announced 30 year
; @/ g& B ^/ ~8 O0 s7 V( V' @! Pamortizations on CMHC insured mortgages at fully discounted interest rates.9 r* V1 O" y+ @) z& F
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Finally, in an effort to further take your attention away from the long
" a! _8 l3 V7 ~8 H, zterm rates, look for lenders to get more creative with the discounts
9 b8 R" u" c7 Ethey offer on Variable Rate Mortgages. I fully expect to see stronger 6 J( G3 J- T. B) k e
competition in the form of creative 'front-end loaded' discounts and
w1 x3 \, t/ [) s# s9 k- D9 vteaser rates that make it more confusing to compare an apple to an apple * C% C2 R- w2 J' ?" q6 }
when shopping for the best mortgage option. It's going to be another busy
4 X: J, s# N, f, y4 P- a/ E+ Bspring market and consumers are going to be faced with more choices 7 \9 p4 D) @; Y9 c
than ever before. The key, like always, is to get expert advice and
9 |8 }% L( _1 c. I. ]remember you have options. |
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发表于 2006-5-7 20:26
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