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原帖由 dgg 于 2006-5-8 10:12 发表2 x' [/ m! H+ j. C) O1 w, n
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谢谢，请继续。3 g1 n4 H% Y6 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。
8 G0 Z& R+ r2 H/ M; N* j6 FThe 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
U7 a* o; z9 W6 ]% \. X6 uSpring is starting to arrive. Each and every year in late February and 3 c3 D# g" e0 i( r! G' m5 k( ]! n
early March, the banks start rolling out their Spring market campaign of + s4 a0 j% O# N! K- u) n
new products in an effort to attract new consumers. And, if early signs : o: ?( O6 }1 |0 T4 U9 l Y7 i& h3 D
are any indication, we're poised for yet another busy spring. The banks 9 W# c% S& ^9 T0 |- `
view this as the best time of year to get your attention by coming up $ N' W0 p t0 s% S* A; p
with new products or simply putting twists on old ideas. # `1 m0 x* G# U4 Z. v
* ^, H' P% _5 VOver the next few weeks we'll see a variety of new products and this
0 C, R7 M) \3 @7 e, u" p% kyear the early theme I'm seeing is banks getting more creative in an 3 d" `# [; J) U
effort to help you borrow more money. This is partly in response to growing $ a1 R( N. g5 i7 p! t
concerns about the potential of rising rates. 9 n7 L5 H, v8 ]: E
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In an effort to take the focus away from rates, look for two lenders to
; O p* n A) g4 ~" R* z9 s3 qcome out with 'True Equity' programs that will allow home buyers the , ^! T9 v2 X* \6 i; k( g* @
ability to borrow up to 75% of the equity in their homes without having 1 m% y3 s1 Y/ V4 e$ Y. S
to qualify based on their incomes. These programs were previously only ) I, K) j J! Z2 R) s
available to self-employed borrowers. Income earners had to either put 0 ^4 H" z' h7 Z Q) N2 W; G
more money down or pay higher rates. This will now be a mortgage based ; v" J4 S- s9 |: \' v
on the equity and the rates will be fully discounted.
% R9 D& v. X5 e2 p8 N2 }+ E# [Another product to keep an eye on is more lenders who will be combining ! c& @) |, g6 j( [/ _
the mortgage with the line of credit and creating a 'Global borrowing
4 K5 G7 ?% v; F' c2 olimit' that will be re-advanceable. More and more consumers will be 9 q4 B3 O7 {1 @0 ?+ s
looking for these kind of products for tax planning and investment 2 V& J% h$ m! L1 Q
strategies.
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0 a% z9 ] Q; Y% N8 O3 VAnd speaking about investors, banks are starting to recognize the
- ? ]" I/ R+ m$ L! n. t: G' Rgrowing number of home owners who are buying multiple revenue properties for ; P8 R* @. r7 L
investments and we now have an 'Interest-Only' mortgage available for
* ~& }0 G) D- ?! Z+ l! aself-employed borrowers on a 'Stated-income' basis for revenue 9 O& [$ `7 d; J1 N
properties. This marks the first time a self-employed individual can use 1 B0 [) S) d- ~- V$ I
'stated-income' to qualify for a revenue property. 1 A' X* {$ y3 [) k0 P- X
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The interest rates will be higher for this product, but it is 7 }2 A( N% V* I) E, t9 i& L. j" Z, K7 `
reflective of a growing trend towards American-Style lending practices. A prime ; {" H3 T) m- x, \. i
example of an American trend influencing our banks will be longer 4 o* @. }4 y$ j; @ b
amortization periods. Canada has held tight on 25 year amortizations for
* W$ W9 G6 H' `; u& t$ g+ J3 byears, up until now that is. A few lenders have announced 30 year & o+ n1 B: d: C9 U- Y
amortizations on CMHC insured mortgages at fully discounted interest rates.! h" L N" h$ i8 U7 r& Z% D% D& E3 G
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Finally, in an effort to further take your attention away from the long v, y+ Y, j2 e0 L& D
term rates, look for lenders to get more creative with the discounts & D5 [2 V0 M% |. U$ S
they offer on Variable Rate Mortgages. I fully expect to see stronger
8 F! S# N" Q+ Icompetition in the form of creative 'front-end loaded' discounts and , |& E" V1 o' G7 ^& {* s( W1 u
teaser rates that make it more confusing to compare an apple to an apple
- @$ m7 x a( a8 l' Mwhen shopping for the best mortgage option. It's going to be another busy 8 }! W) R3 k% m
spring market and consumers are going to be faced with more choices % B; f0 X x4 n
than ever before. The key, like always, is to get expert advice and
; @2 u0 d6 N1 T- G0 {- r t/ N7 iremember you have options. |
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发表于 2006-5-7 20:26
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