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原帖由 dgg 于 2006-5-8 10:12 发表7 P- K" ^" n1 H
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谢谢，请继续。$ c0 j! J) w @ l# F7 I+ f
- q5 h8 E: O" C& G0 m( M. e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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; g( ~( C. G% K& xThe following article is written by Peter Kinch.& M4 N' N$ O% Y4 k- w: n! g
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Spring Is In The Air! In some markets in Canada it may feel like
; L3 F7 A$ `6 v: V7 ZSpring is starting to arrive. Each and every year in late February and * U; \7 q" x$ P4 q
early March, the banks start rolling out their Spring market campaign of
; Y, q0 U* ?' Rnew products in an effort to attract new consumers. And, if early signs
9 i( M% Z G- m6 _' zare any indication, we're poised for yet another busy spring. The banks ! }9 P$ _! S6 f1 k. o
view this as the best time of year to get your attention by coming up & s- Y: x) G8 u
with new products or simply putting twists on old ideas. " ^1 @" G3 A: \( h8 g d
) A0 |- z+ @3 JOver the next few weeks we'll see a variety of new products and this
6 E! B3 C# h- v) a& syear the early theme I'm seeing is banks getting more creative in an 7 l* q$ F3 t9 A6 I6 e
effort to help you borrow more money. This is partly in response to growing # j8 k' \* }8 a
concerns about the potential of rising rates.
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, ?/ I9 W3 Q" F$ F& _, N GIn an effort to take the focus away from rates, look for two lenders to 0 Y! y3 U$ @9 I* u
come out with 'True Equity' programs that will allow home buyers the " E5 O. M/ w+ p' v- W# _ f; Y
ability to borrow up to 75% of the equity in their homes without having $ S# e8 U! E" W; y1 F$ K6 D
to qualify based on their incomes. These programs were previously only
( f0 A z) H" Aavailable to self-employed borrowers. Income earners had to either put
( r2 x: G) D6 Rmore money down or pay higher rates. This will now be a mortgage based , ~. x! c. [9 B
on the equity and the rates will be fully discounted." U1 F* K' A+ S- H5 N+ v4 x
Another product to keep an eye on is more lenders who will be combining
. K% { y* k4 B5 bthe mortgage with the line of credit and creating a 'Global borrowing + [, F4 G3 ~) H8 f4 \% T
limit' that will be re-advanceable. More and more consumers will be . `' E& z/ W( f$ V" }+ f
looking for these kind of products for tax planning and investment $ x% ^& ~4 A6 K, @$ J
strategies. ) J5 J( R2 W5 Z8 _8 V: _6 F7 j* E- i& u
. S v7 Y" B4 vAnd speaking about investors, banks are starting to recognize the 6 Q+ i& O; a" a: X
growing number of home owners who are buying multiple revenue properties for & i* s9 q$ Z( M: O
investments and we now have an 'Interest-Only' mortgage available for
# U1 D+ c. Q, B1 z( Aself-employed borrowers on a 'Stated-income' basis for revenue # Q- Z+ T9 U" \+ T* a$ z2 ~
properties. This marks the first time a self-employed individual can use
7 p' I; _6 ] n6 i5 b+ b- S6 H'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 5 ~; x7 U2 h8 C' }2 l! U0 I
reflective of a growing trend towards American-Style lending practices. A prime 3 |7 Q( j& _4 a& c: ?
example of an American trend influencing our banks will be longer $ b2 T% t& O0 ~- g" K% X1 c
amortization periods. Canada has held tight on 25 year amortizations for
. L8 O( P+ v+ H! O$ P# qyears, up until now that is. A few lenders have announced 30 year
8 b) I& l3 O8 r. D ~0 Bamortizations on CMHC insured mortgages at fully discounted interest rates.# G" D! z2 |7 u3 O$ `& `9 r
) P w- C; g) y) U NFinally, in an effort to further take your attention away from the long
o% l' s8 D) z# I" hterm rates, look for lenders to get more creative with the discounts
: n6 Q0 N; T1 \' |they offer on Variable Rate Mortgages. I fully expect to see stronger
4 R: k$ A& I6 `) F0 ]7 n+ ecompetition in the form of creative 'front-end loaded' discounts and
- N. Y4 P+ q1 U Y% {3 ]7 n7 Ateaser rates that make it more confusing to compare an apple to an apple * {+ L5 p7 E5 w1 [ J* O
when shopping for the best mortgage option. It's going to be another busy $ X, A/ K6 i9 t2 |0 o& b
spring market and consumers are going to be faced with more choices 6 ?5 b5 j9 _' _: X$ w
than ever before. The key, like always, is to get expert advice and
$ h( X% e( ]% }1 H/ C8 t+ T0 q0 dremember you have options. |
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发表于 2006-5-7 20:26
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