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原帖由 dgg 于 2006-5-8 10:12 发表) n* B1 A. ^! K6 S
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+ g3 J2 |0 c7 D) X# S$ v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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4 x, f' g- F7 _6 E1 OThe following article is written by Peter Kinch.( F! D' i1 K* @* i0 A2 E2 O
2 x2 L4 [0 K& s1 S5 ~Spring Is In The Air! In some markets in Canada it may feel like
3 { P8 V$ l$ _7 w; aSpring is starting to arrive. Each and every year in late February and
/ j# g5 h) A/ t' c5 g$ a+ \early March, the banks start rolling out their Spring market campaign of 7 J0 e1 f" L/ H" t. _0 K: F/ \
new products in an effort to attract new consumers. And, if early signs
~9 h X$ O5 Fare any indication, we're poised for yet another busy spring. The banks
, l$ j8 Q& H6 P. G" N) Vview this as the best time of year to get your attention by coming up + `# m% \% ?# D. k, S
with new products or simply putting twists on old ideas.
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/ j/ o. z, O* O% s5 a5 l4 v3 FOver the next few weeks we'll see a variety of new products and this
8 a' @" l9 x2 k/ Xyear the early theme I'm seeing is banks getting more creative in an
& m; f( G* s! o' x/ _( yeffort to help you borrow more money. This is partly in response to growing
4 p% S5 i u6 Y$ P% V* l; mconcerns 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
3 b0 g/ s1 [& d# icome out with 'True Equity' programs that will allow home buyers the & p" \/ [9 ?- i- N4 ?. [. c- R
ability to borrow up to 75% of the equity in their homes without having 3 W) ~2 n; z& j) K
to qualify based on their incomes. These programs were previously only
$ w( F( q w$ }2 D' c6 O1 F' eavailable to self-employed borrowers. Income earners had to either put % d$ o6 R' K# ]+ B) c9 M' Y# K9 r
more money down or pay higher rates. This will now be a mortgage based
6 p% y$ Z, n8 o4 Kon the equity and the rates will be fully discounted.0 w( I" i( c) s! ?; b
Another product to keep an eye on is more lenders who will be combining
- J- v8 L. g. a, e, K+ @# @, ~the mortgage with the line of credit and creating a 'Global borrowing
1 x% t+ n7 M6 W/ ?limit' that will be re-advanceable. More and more consumers will be
' K; _. O' r5 y4 B7 y* C2 Nlooking for these kind of products for tax planning and investment * |3 e- U+ n: o1 j7 l1 E" J
strategies. 0 G1 \/ k, a3 q6 `
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And speaking about investors, banks are starting to recognize the
/ R8 a" Z+ {: n7 }# H( R' E5 sgrowing number of home owners who are buying multiple revenue properties for
' }/ l' n- g4 v- m) G/ Minvestments and we now have an 'Interest-Only' mortgage available for
5 d$ T( c% _1 m" D+ pself-employed borrowers on a 'Stated-income' basis for revenue - \6 y+ E U* U) g; n6 H, S& d
properties. This marks the first time a self-employed individual can use & o+ o% w0 C# g9 e$ ~. o2 i
'stated-income' to qualify for a revenue property.
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+ o% u8 L" v5 J0 w, n* F2 lThe interest rates will be higher for this product, but it is 0 d" t. @: k+ d/ I1 L" f
reflective of a growing trend towards American-Style lending practices. A prime
, y) _% S O% [. S- eexample of an American trend influencing our banks will be longer
- ^. S+ k5 m; d) t7 L# }amortization periods. Canada has held tight on 25 year amortizations for
% d& A# c6 W1 c2 g7 N. B7 J/ fyears, up until now that is. A few lenders have announced 30 year
2 D. l3 z0 g( L8 p2 u4 ?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 , x3 M5 g) d8 J8 S5 P8 B$ R1 C' Q0 r
term rates, look for lenders to get more creative with the discounts 0 D6 r( c2 o. O
they offer on Variable Rate Mortgages. I fully expect to see stronger 1 L& M' k0 L8 _* ?5 d# {
competition in the form of creative 'front-end loaded' discounts and
2 B2 ?0 m4 m- m+ t2 F! E5 l0 Steaser rates that make it more confusing to compare an apple to an apple
' u& u- `" h+ h! I( b" A4 j, \when shopping for the best mortgage option. It's going to be another busy
( ~7 v6 ]* K8 v$ |spring market and consumers are going to be faced with more choices 1 e( @3 ^& g, h9 @
than ever before. The key, like always, is to get expert advice and
6 B3 D% t# t# W2 O. z" Gremember you have options. |
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