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原帖由 dgg 于 2006-5-8 10:12 发表
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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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. i1 z( F4 T0 X1 z. FThe following article is written by Peter Kinch.; a9 G6 o2 v+ s6 _
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Spring Is In The Air! In some markets in Canada it may feel like 5 q( S" |- l# T3 _8 R! N
Spring is starting to arrive. Each and every year in late February and
% {- E# F" S6 z u$ H$ U9 u! F3 Aearly March, the banks start rolling out their Spring market campaign of
8 ]9 u. Q" E) S! m gnew products in an effort to attract new consumers. And, if early signs ) |# a: e" j9 H# y# ?2 H: R- ]
are any indication, we're poised for yet another busy spring. The banks
# W f+ C. i" Q5 j4 a. \) o) oview this as the best time of year to get your attention by coming up
" z4 {6 {* B4 S9 W) L* Awith new products or simply putting twists on old ideas. / L! A' K) {+ {+ n" J
( f- o; r8 J W7 @8 w# Z/ iOver the next few weeks we'll see a variety of new products and this
1 j! _5 u; v4 e! @year the early theme I'm seeing is banks getting more creative in an
, w* T- E0 \, G: ]/ L# qeffort to help you borrow more money. This is partly in response to growing
" J4 @7 X- q: Y5 M/ A3 _concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to : c _$ |) X$ M- _+ L
come out with 'True Equity' programs that will allow home buyers the
- E6 v8 Y \" I( `: U. i5 wability to borrow up to 75% of the equity in their homes without having
0 { w& T- m) f# w9 Pto qualify based on their incomes. These programs were previously only 5 e2 S+ e, |7 @3 b$ ]/ l
available to self-employed borrowers. Income earners had to either put
6 e. k- @4 S2 C( b5 ^; N7 i! [$ dmore money down or pay higher rates. This will now be a mortgage based $ l1 s* x1 r, T; U4 \# E
on the equity and the rates will be fully discounted.: u! S) k! d- n8 O. B+ B9 R& i, N
Another product to keep an eye on is more lenders who will be combining $ u9 E/ Y9 ]* g1 Q
the mortgage with the line of credit and creating a 'Global borrowing
2 d+ |5 [) U2 _: ilimit' that will be re-advanceable. More and more consumers will be
Q1 _3 {' y/ C( [2 r d* `! q( Dlooking for these kind of products for tax planning and investment 3 J% [/ J% V8 o0 Y- k7 U7 q# H
strategies.
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And speaking about investors, banks are starting to recognize the . N! N* A! [4 O+ S$ @
growing number of home owners who are buying multiple revenue properties for
# E2 Q! A) l' Z' ]1 Pinvestments and we now have an 'Interest-Only' mortgage available for * q. l+ u& V* d0 A" e w; ^* h w
self-employed borrowers on a 'Stated-income' basis for revenue 0 E4 Y. Z: @ w4 @# \2 l. o
properties. This marks the first time a self-employed individual can use
* O2 p; [$ f9 [0 l' c'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is ; V: w% g- c/ M& `, h
reflective of a growing trend towards American-Style lending practices. A prime 8 v+ D& w' z0 Y3 @. O$ T! s' |# k* E
example of an American trend influencing our banks will be longer + u7 x: K: r7 i
amortization periods. Canada has held tight on 25 year amortizations for 2 q* |$ ^! t! D7 d9 u- ~3 n/ o
years, up until now that is. A few lenders have announced 30 year
" V2 s. J* i$ t f. y' gamortizations on CMHC insured mortgages at fully discounted interest rates.: c9 M" L: r! n6 G+ Z
0 B9 z$ B( S* J6 d1 `Finally, in an effort to further take your attention away from the long
; n% u2 C6 l! \7 x4 y; \term rates, look for lenders to get more creative with the discounts
; M( c! n( L3 x x qthey offer on Variable Rate Mortgages. I fully expect to see stronger
& B( F$ A. Q7 N/ Q: Ocompetition in the form of creative 'front-end loaded' discounts and
4 d; a4 C4 ]3 P Oteaser rates that make it more confusing to compare an apple to an apple ; L8 Q' u3 c. ^
when shopping for the best mortgage option. It's going to be another busy ! M) b, u" g+ M% r/ x3 W; J
spring market and consumers are going to be faced with more choices 2 j' O i( z) p; C- ] m
than ever before. The key, like always, is to get expert advice and
8 s% G- _/ N7 n) t* C D2 b$ qremember you have options. |
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发表于 2006-5-7 20:26
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