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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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+ A' T, q4 A7 ]* R2 U. E v( C( A, J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.
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Spring Is In The Air! In some markets in Canada it may feel like . H5 ?+ ?# Z( y6 Z2 T: c
Spring is starting to arrive. Each and every year in late February and
# i9 a) l f) j3 M$ S0 Dearly March, the banks start rolling out their Spring market campaign of
3 L, w9 X: v; qnew products in an effort to attract new consumers. And, if early signs 3 H5 \) \$ E7 E/ X& o
are any indication, we're poised for yet another busy spring. The banks s) ~% I# S' {
view this as the best time of year to get your attention by coming up
. o! U" T C! ~8 X' rwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this
# d$ e% |* O/ B, Hyear the early theme I'm seeing is banks getting more creative in an
8 b& c$ e* t# m0 t% \effort to help you borrow more money. This is partly in response to growing 4 U: s( {* [0 L. k' q
concerns about the potential of rising rates. 7 P9 T, p/ l9 m% j; i8 n
+ r' G$ y/ E: ?2 {9 A" J* r! PIn an effort to take the focus away from rates, look for two lenders to ! E, N, x5 w. F/ V3 K
come out with 'True Equity' programs that will allow home buyers the
6 V! k. q+ p B/ S+ j6 e0 r+ M& Rability to borrow up to 75% of the equity in their homes without having " o6 K+ \# g# I0 `4 O, |
to qualify based on their incomes. These programs were previously only $ k r7 i' ^# L0 N0 Z2 Y
available to self-employed borrowers. Income earners had to either put / L/ ?$ _8 r$ i+ S# H1 C' ^/ W
more money down or pay higher rates. This will now be a mortgage based 3 T+ b- ~+ Y) N1 _
on the equity and the rates will be fully discounted.. d/ l8 Z5 V4 U- ^5 l2 W# ]! }+ {
Another product to keep an eye on is more lenders who will be combining ; T" G$ d3 p- Y! R5 G/ F+ k* q
the mortgage with the line of credit and creating a 'Global borrowing
! M7 `: c% F( r+ Vlimit' that will be re-advanceable. More and more consumers will be 1 h% N# o! ~- U
looking for these kind of products for tax planning and investment $ Y% f: z$ M4 z; b
strategies.
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And speaking about investors, banks are starting to recognize the - V7 L/ z2 \: E0 ~
growing number of home owners who are buying multiple revenue properties for 5 e9 J5 _4 b9 W, R* {& V2 Z
investments and we now have an 'Interest-Only' mortgage available for
. D3 J! r8 O9 U( V0 bself-employed borrowers on a 'Stated-income' basis for revenue
( w! \6 I: ~9 R ?properties. This marks the first time a self-employed individual can use 3 r. p6 t+ F! d( U7 D) ~0 q
'stated-income' to qualify for a revenue property. ( q* ^" o& B: C" @3 i1 ], w
: {0 J, d# o& e6 z4 B2 c3 B, `The interest rates will be higher for this product, but it is 8 k+ }9 m- a6 x# b4 j
reflective of a growing trend towards American-Style lending practices. A prime
9 x! |0 ?5 S6 I$ W0 L% Z. ~+ ^example of an American trend influencing our banks will be longer - K4 o" v) q. o7 o1 j+ _
amortization periods. Canada has held tight on 25 year amortizations for
; m9 n9 z; q+ y Uyears, up until now that is. A few lenders have announced 30 year
2 v: z# b) ]8 D" Iamortizations on CMHC insured mortgages at fully discounted interest rates.0 O3 b) S/ ?9 J$ Y+ |5 A
+ i: C4 p: I6 U3 d/ O2 i( UFinally, in an effort to further take your attention away from the long
5 J! ?, ~5 @5 r9 Wterm rates, look for lenders to get more creative with the discounts
6 F2 k/ \1 R# [they offer on Variable Rate Mortgages. I fully expect to see stronger 9 n! ^# R% e* P t& W6 _0 _- k
competition in the form of creative 'front-end loaded' discounts and
# s! h4 T$ C1 c f* Yteaser rates that make it more confusing to compare an apple to an apple # n6 y9 a3 c/ l
when shopping for the best mortgage option. It's going to be another busy . e" T D- R5 U4 K
spring market and consumers are going to be faced with more choices
. X6 Z* H* V9 v8 p6 G) n, qthan ever before. The key, like always, is to get expert advice and / m# [9 y/ f7 H3 o9 u3 A2 q6 I+ n
remember you have options. |
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