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原帖由 dgg 于 2006-5-8 10:12 发表- }% a7 \; q0 @9 `) N
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谢谢，请继续。( d B7 m2 \, w( V: B
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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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The following article is written by Peter Kinch.% `: B2 F* |& t! W
: p0 ?$ l+ |6 ?3 ?, f w: S! aSpring Is In The Air! In some markets in Canada it may feel like
0 R" l* }4 n/ ^" b+ xSpring is starting to arrive. Each and every year in late February and / g) M8 }# }+ w
early March, the banks start rolling out their Spring market campaign of
; l: m8 {6 v0 d1 e2 T# Hnew products in an effort to attract new consumers. And, if early signs 3 X3 Y+ T7 w) ~5 [% J2 `
are any indication, we're poised for yet another busy spring. The banks
$ a! _, r/ o$ ` N. Oview this as the best time of year to get your attention by coming up
6 e3 R' m! }" M6 m& F% D& v. Kwith new products or simply putting twists on old ideas.
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9 @6 [/ \' N6 p# R, J+ b$ W2 ]/ uOver the next few weeks we'll see a variety of new products and this
T8 `6 p- \/ O- p; ayear the early theme I'm seeing is banks getting more creative in an
" j4 l! g, I4 a6 N( Meffort to help you borrow more money. This is partly in response to growing
4 V i$ P4 t. Q! A- N6 D8 |concerns about the potential of rising rates. . W/ W3 A/ A1 T6 J" i, j% r9 D
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In an effort to take the focus away from rates, look for two lenders to ) Y* A" }: d9 p* ]! g% a. v3 D
come out with 'True Equity' programs that will allow home buyers the
4 Y; D. \3 U) \2 n- V, vability to borrow up to 75% of the equity in their homes without having
3 o1 G% @% U& \to qualify based on their incomes. These programs were previously only
3 p- P+ X) f- S9 N3 U5 {: Uavailable to self-employed borrowers. Income earners had to either put
) _. d! n- V# _3 {2 Z- Mmore money down or pay higher rates. This will now be a mortgage based 1 |' o+ V; @$ P5 a9 ~0 Q3 N
on the equity and the rates will be fully discounted.8 E, {' h% Z" b- [* d
Another product to keep an eye on is more lenders who will be combining ! T( `# `0 T( z' @" Z5 t( f% |
the mortgage with the line of credit and creating a 'Global borrowing ' W/ {/ j2 w9 y5 w
limit' that will be re-advanceable. More and more consumers will be
& t* _% H5 F! Q+ B# |looking for these kind of products for tax planning and investment / r5 T* p% Y9 I+ j) K1 O
strategies. 4 b- r" F: `2 D7 [# B3 x& T
$ i+ g% U$ K- H3 d) OAnd speaking about investors, banks are starting to recognize the
8 A7 u1 P: { ^1 Vgrowing number of home owners who are buying multiple revenue properties for ) @4 @! g; R8 ]# e$ [4 T' n
investments and we now have an 'Interest-Only' mortgage available for ) I% o7 K7 h# B1 m' O5 j
self-employed borrowers on a 'Stated-income' basis for revenue 2 u) G5 h+ f, W9 r- s
properties. This marks the first time a self-employed individual can use ) l/ j8 D9 y' _! C$ Q* l
'stated-income' to qualify for a revenue property. 3 t" m$ @8 L: Q& _
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The interest rates will be higher for this product, but it is
; {0 x o9 Y! C- d2 z/ H1 L1 Mreflective of a growing trend towards American-Style lending practices. A prime 4 ]( d3 U. S; T& J4 s! Q
example of an American trend influencing our banks will be longer d" q3 P, _! B. d0 ?3 L* w
amortization periods. Canada has held tight on 25 year amortizations for " J) t! w$ w9 w: T5 j8 K3 ~
years, up until now that is. A few lenders have announced 30 year
" _. I0 }2 K1 A/ ?( aamortizations 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
3 Z0 c6 q+ [* _5 U; vterm rates, look for lenders to get more creative with the discounts
/ ]1 r8 _/ |% `+ c; u; s/ V7 xthey offer on Variable Rate Mortgages. I fully expect to see stronger
" i# T) y4 s) Y; F* Tcompetition in the form of creative 'front-end loaded' discounts and 8 W& o* N/ D" N7 ?. s, A
teaser rates that make it more confusing to compare an apple to an apple
6 g7 U% o' n6 W. _when shopping for the best mortgage option. It's going to be another busy
2 O) |4 d0 Q! E$ A2 W R# B6 Nspring market and consumers are going to be faced with more choices
; S$ o. `* D( N0 B) Uthan ever before. The key, like always, is to get expert advice and
. T" Q/ c, u4 P: t. k: P% k+ X5 Gremember you have options. |
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发表于 2006-5-7 20:26
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