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原帖由 dgg 于 2006-5-8 10:12 发表4 Q# \( ^0 A7 d9 F' E( h# f
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5 H6 i4 `3 m7 u5 V8 w& I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。
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# {2 C$ h) I+ D* e! n/ M# R; F8 yThe following article is written by Peter Kinch.4 j6 G2 R* k* A# I* s% x
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Spring Is In The Air! In some markets in Canada it may feel like , ]! {2 w/ t8 m" W9 y
Spring is starting to arrive. Each and every year in late February and ! F& E9 Y' i2 m) A% v0 n+ H" l0 |
early March, the banks start rolling out their Spring market campaign of
5 m# K3 @- R1 {" g% Anew products in an effort to attract new consumers. And, if early signs
/ k- H% L7 _% o, H" pare any indication, we're poised for yet another busy spring. The banks
1 U6 w. Y, ?9 \5 D' f8 e( Dview this as the best time of year to get your attention by coming up - L- z( s* x8 Z- u7 t8 Y0 ]9 @
with new products or simply putting twists on old ideas.
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5 s, j9 [5 S% s% {/ U$ MOver the next few weeks we'll see a variety of new products and this
: F! _9 e7 I4 A, V+ a0 }/ e2 }; @year the early theme I'm seeing is banks getting more creative in an : M% ~9 b, l5 }
effort to help you borrow more money. This is partly in response to growing # N* R* N1 c Q1 w
concerns about the potential of rising rates.
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! O6 U& E! K+ F" W b1 wIn an effort to take the focus away from rates, look for two lenders to " m; N+ P7 W) X# m9 \# r. i7 L/ Z$ r
come out with 'True Equity' programs that will allow home buyers the
" x" C: ]$ a5 Iability to borrow up to 75% of the equity in their homes without having
2 g! ~' I: b9 n& O) N+ wto qualify based on their incomes. These programs were previously only D$ h# L% g+ S
available to self-employed borrowers. Income earners had to either put 9 f0 T9 d* ]8 s% P8 z6 p1 b7 j& a* m0 d' N
more money down or pay higher rates. This will now be a mortgage based . s9 b) L( N" J: r/ U4 H4 `9 L
on the equity and the rates will be fully discounted.
$ g7 y- \0 l! |& i2 lAnother product to keep an eye on is more lenders who will be combining ) N! e% |, Y9 j2 {: u2 {
the mortgage with the line of credit and creating a 'Global borrowing
, S$ a; N- z# `: O7 y% v1 xlimit' that will be re-advanceable. More and more consumers will be
9 c$ C( M- f0 e! glooking for these kind of products for tax planning and investment 0 r' s1 J1 e. R' W; a; C7 y
strategies. Z" t8 ~- N3 d }& ^$ u- p, a& H2 q
* t! h- B: s2 f6 [And speaking about investors, banks are starting to recognize the
* }5 ?9 r+ w3 {+ F; c& ogrowing number of home owners who are buying multiple revenue properties for
; \3 h$ ~# D4 Y6 h# @investments and we now have an 'Interest-Only' mortgage available for 4 K) C9 U1 G7 z, V
self-employed borrowers on a 'Stated-income' basis for revenue G" }9 ], m" v
properties. This marks the first time a self-employed individual can use
2 e' E- c4 q" j' {* G8 c9 ]" K2 O9 H'stated-income' to qualify for a revenue property. + [1 J( k. s$ |
7 F) o+ M% p T, h! F DThe interest rates will be higher for this product, but it is
% L- @; g4 w7 R# b( G& x( [! ?/ freflective of a growing trend towards American-Style lending practices. A prime
( u2 B, y* Q0 ]+ J" Dexample of an American trend influencing our banks will be longer ( ~( O8 d. q. E0 @4 d7 {
amortization periods. Canada has held tight on 25 year amortizations for
) Z5 D- W4 l: Y" Z. ~8 q( Iyears, up until now that is. A few lenders have announced 30 year " b4 K) d/ Y; g; a/ n& z6 P- V* \
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 . b. U6 V4 z- t4 O6 F) P$ Q5 G
term rates, look for lenders to get more creative with the discounts + o$ u+ h( u7 I4 }5 Y4 ~
they offer on Variable Rate Mortgages. I fully expect to see stronger 4 Z4 O/ b: S8 F) O/ v% L
competition in the form of creative 'front-end loaded' discounts and
: _( T8 {+ X- h V3 B4 I/ xteaser rates that make it more confusing to compare an apple to an apple % \! H# h6 \* `7 x
when shopping for the best mortgage option. It's going to be another busy
# f8 n/ p2 F# dspring market and consumers are going to be faced with more choices ! }& v7 p& [. D% j4 H, m
than ever before. The key, like always, is to get expert advice and : e8 H9 w+ v5 T$ m, i6 n: I7 F' y1 s
remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:16
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