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原帖由 dgg 于 2006-5-8 10:12 发表" c6 L! e( M8 ]7 c
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- l9 X7 e. h) ~' I Y$ P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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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
! P+ [% x7 d& f7 f$ J5 t4 h+ Q( R% USpring is starting to arrive. Each and every year in late February and 3 U4 Z3 P; a$ G- k% x) F
early March, the banks start rolling out their Spring market campaign of
) V! K5 c4 O/ y% t( @0 e# Qnew products in an effort to attract new consumers. And, if early signs
5 B/ |3 B; s! B8 j1 Dare any indication, we're poised for yet another busy spring. The banks & w. j7 j1 q" N/ X' o2 |
view this as the best time of year to get your attention by coming up
4 H" [; ]1 r% J# V- ~) bwith new products or simply putting twists on old ideas. 0 y* f/ u# R' V* D
7 S/ f) R8 `. Q9 hOver the next few weeks we'll see a variety of new products and this N# R* w- H4 p7 W
year the early theme I'm seeing is banks getting more creative in an
& V* \- d/ T& w7 D; Qeffort to help you borrow more money. This is partly in response to growing 2 f; G% z4 C6 j# s J7 `7 D
concerns about the potential of rising rates. $ D/ X- I, L- E, e& ]7 v
% G3 N1 t, C; L: vIn an effort to take the focus away from rates, look for two lenders to
& W6 Z3 T( n# n7 ?0 w( Ocome out with 'True Equity' programs that will allow home buyers the
4 c: a% N+ H! h8 z8 |5 _, qability to borrow up to 75% of the equity in their homes without having 5 b8 C/ @: p3 r' k
to qualify based on their incomes. These programs were previously only 1 k7 S. r$ O4 P6 g, q7 x* R1 v
available to self-employed borrowers. Income earners had to either put % L4 f# _0 C$ S& B9 a8 @: X
more money down or pay higher rates. This will now be a mortgage based " U9 H9 m6 h5 C3 \6 l
on the equity and the rates will be fully discounted.( T1 \7 S# t I% B! }
Another product to keep an eye on is more lenders who will be combining * `/ q O @& q# f- U
the mortgage with the line of credit and creating a 'Global borrowing
3 n7 a) P: x3 Klimit' that will be re-advanceable. More and more consumers will be 7 M1 k/ w% |+ P4 j( v
looking for these kind of products for tax planning and investment ( L! D2 O! B+ q. i7 E' T
strategies. % y4 e* c Z8 }4 d& J/ `
~6 v! C2 {4 @7 w; m+ T4 B% UAnd speaking about investors, banks are starting to recognize the
/ q! m3 p6 T0 ~# h. Vgrowing number of home owners who are buying multiple revenue properties for 5 b* A- L( X9 q$ \0 p+ z& t
investments and we now have an 'Interest-Only' mortgage available for
+ r0 M" ~) C5 nself-employed borrowers on a 'Stated-income' basis for revenue
" t, N+ \3 V: n9 l$ nproperties. This marks the first time a self-employed individual can use
( ?; E5 S6 f/ l1 X'stated-income' to qualify for a revenue property. ! N) j h. \: G% ^+ \
, q# s& k6 B8 v5 n- o, _$ `3 t$ ZThe interest rates will be higher for this product, but it is + ~% H u5 ]" Q5 }
reflective of a growing trend towards American-Style lending practices. A prime
+ L1 ? J# A3 Z9 D% f0 |/ xexample of an American trend influencing our banks will be longer 3 E/ O1 f4 N7 X& P# B" H# a2 _' \
amortization periods. Canada has held tight on 25 year amortizations for
( j5 b Y3 b9 j' K2 v1 y1 @+ ^years, up until now that is. A few lenders have announced 30 year
# k6 r0 K4 B4 f' U( Tamortizations on CMHC insured mortgages at fully discounted interest rates.9 b4 U- G6 L: u* r" }
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Finally, in an effort to further take your attention away from the long
" d( c4 s) E5 W8 dterm rates, look for lenders to get more creative with the discounts
9 l: w" y* U+ E6 o% @1 jthey offer on Variable Rate Mortgages. I fully expect to see stronger
: N( L0 @1 |% K& C9 }: Ocompetition in the form of creative 'front-end loaded' discounts and
) M; Z# M$ K% l7 V9 }teaser rates that make it more confusing to compare an apple to an apple : S/ Y# Y3 v, D% s4 j: d
when shopping for the best mortgage option. It's going to be another busy , v- w4 U1 H& b+ \" g/ V
spring market and consumers are going to be faced with more choices
# j4 L! r' `) jthan ever before. The key, like always, is to get expert advice and - K+ e m+ I7 f3 g
remember you have options. |
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发表于 2006-5-7 20:26
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