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原帖由 dgg 于 2006-5-8 10:12 发表' M2 [/ o$ J+ G' E
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& }5 l& B9 h) ~5 T谢谢，请继续。
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3 Q* r p" o/ s; X( e* {, i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.7 y0 u& P# `' ^& u" g$ L% [
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Spring Is In The Air! In some markets in Canada it may feel like $ y9 e0 p/ q6 h9 f: }0 }- _" n
Spring is starting to arrive. Each and every year in late February and 8 g7 R: _ L8 S0 T! ~. u3 l' R6 K4 h
early March, the banks start rolling out their Spring market campaign of 1 U. ]; s/ b& Y: p+ x# u8 Z1 g$ w
new products in an effort to attract new consumers. And, if early signs * k$ f- \4 T9 ~9 |1 O- q$ X1 z' l
are any indication, we're poised for yet another busy spring. The banks : E. y3 }8 V. [& ]: t% I
view this as the best time of year to get your attention by coming up
% Q/ X: C. L; h K2 }with new products or simply putting twists on old ideas. 8 N" z. I* N7 A5 w
. L9 P. n) s' G6 V* N EOver the next few weeks we'll see a variety of new products and this ! ]6 ^5 b* n/ A9 {3 S; ^
year the early theme I'm seeing is banks getting more creative in an
& j3 D: v% g1 _6 ^effort to help you borrow more money. This is partly in response to growing ( `5 z' z2 y2 u6 B! b
concerns about the potential of rising rates. 9 Q# r( f* |: \' e# ]
/ l6 R) D! v+ |8 Z# |1 RIn an effort to take the focus away from rates, look for two lenders to 8 x" {" M v2 r$ A3 P" _; m
come out with 'True Equity' programs that will allow home buyers the ; A$ T( d! T+ ]4 s3 M
ability to borrow up to 75% of the equity in their homes without having
: }- u6 Q8 ?2 R0 S4 Rto qualify based on their incomes. These programs were previously only 3 f7 r; a& L1 g k, J* n( U6 T
available to self-employed borrowers. Income earners had to either put ; X4 A/ x- M0 w3 j" b" v" J
more money down or pay higher rates. This will now be a mortgage based & J6 D: U4 ^( V+ k; r
on the equity and the rates will be fully discounted.
0 D5 U- G+ {! _: U' M7 }Another product to keep an eye on is more lenders who will be combining 7 o6 ~. s( c, X0 V' w7 L
the mortgage with the line of credit and creating a 'Global borrowing
L! `! O! H. } a7 ^0 Klimit' that will be re-advanceable. More and more consumers will be ; H- j' f3 e- j" @( q% u' i+ m
looking for these kind of products for tax planning and investment
7 N3 [; v4 B9 o g" T" Y; Gstrategies. 8 Q, o/ V5 p9 p: Y) l+ F
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And speaking about investors, banks are starting to recognize the
0 J. ^% O. I+ J' ~growing number of home owners who are buying multiple revenue properties for
) Z ~( u8 Y0 \investments and we now have an 'Interest-Only' mortgage available for
1 O Y) L) h5 ^self-employed borrowers on a 'Stated-income' basis for revenue
0 g) } _5 S( n, Q' O6 s' bproperties. This marks the first time a self-employed individual can use z, ? Z0 t2 g) H! K% g8 h! i
'stated-income' to qualify for a revenue property. ) U% D0 r b t8 R& a
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The interest rates will be higher for this product, but it is
5 I: J" I' c; O8 Breflective of a growing trend towards American-Style lending practices. A prime 6 m- J) `6 m4 X& k3 ?* A) y7 A
example of an American trend influencing our banks will be longer 3 v4 F9 l4 w+ ~% C9 U' d8 e
amortization periods. Canada has held tight on 25 year amortizations for 5 w$ N8 N) S: y. I
years, up until now that is. A few lenders have announced 30 year ; [2 H' [. E- I4 n* a; B! o
amortizations on CMHC insured mortgages at fully discounted interest rates.% D! [' M; J Y' S6 t* H
6 C8 Y) W: b2 CFinally, in an effort to further take your attention away from the long 4 A' r2 e- l) G" Y
term rates, look for lenders to get more creative with the discounts $ B8 {5 N( u& Q1 s2 z$ {" Z
they offer on Variable Rate Mortgages. I fully expect to see stronger
7 L/ q }. @) H, \5 k2 w$ s. lcompetition in the form of creative 'front-end loaded' discounts and
; I2 I( B$ ? l. Gteaser rates that make it more confusing to compare an apple to an apple
$ d- \( `1 [: x8 `when shopping for the best mortgage option. It's going to be another busy 7 B7 X- X& F" N: r( @# S! B2 h
spring market and consumers are going to be faced with more choices 1 G8 C( A/ G# }+ Y2 L1 D
than ever before. The key, like always, is to get expert advice and ( ], R: }8 Q3 h$ G" l. F8 H# n
remember you have options. |
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发表于 2006-5-7 20:26
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