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原帖由 dgg 于 2006-5-8 10:12 发表* n+ b* b. O5 F
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1 Q& j+ ~1 o/ F/ {! Q% ?+ h谢谢，请继续。" {0 i, ~. e- l2 ]6 q; e
4 N0 ~- D8 W9 |3 k! [0 h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。
( L8 G8 b& \; b7 b- a. V8 yThe following article is written by Peter Kinch.4 S" Y K2 m2 ^) X
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Spring Is In The Air! In some markets in Canada it may feel like 3 E$ w/ W$ s: F% J5 |
Spring is starting to arrive. Each and every year in late February and 8 v% t, n6 g. i0 L
early March, the banks start rolling out their Spring market campaign of # d9 e+ w+ J5 l, R) ]1 E* W3 Q
new products in an effort to attract new consumers. And, if early signs 1 \8 X; |" Y4 g6 T. Y, T; R
are any indication, we're poised for yet another busy spring. The banks
& H: M( [/ [' ` A2 k6 m: {$ Pview this as the best time of year to get your attention by coming up 8 w6 k2 h3 [6 v0 g7 E0 H
with 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 * z1 J+ z1 d" N
year the early theme I'm seeing is banks getting more creative in an : v9 P$ M$ G+ g9 _. a* W+ u3 q
effort to help you borrow more money. This is partly in response to growing * K0 \% ~& G3 {- w# o+ {% q, k( ^) |
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 % H( Z4 ^" F. q4 L# g3 |
come out with 'True Equity' programs that will allow home buyers the 4 J, o! ^0 h; U; H0 R r, Y
ability to borrow up to 75% of the equity in their homes without having ' @& `& O" l( }
to qualify based on their incomes. These programs were previously only E% h# t8 @ y8 F$ d- n, D
available to self-employed borrowers. Income earners had to either put 7 {$ V( V8 u- ~9 k4 u
more money down or pay higher rates. This will now be a mortgage based
* b8 @" d8 Y# O9 J4 Ton the equity and the rates will be fully discounted.
8 A% T. ^' c9 S* x. d- B9 [' C+ zAnother product to keep an eye on is more lenders who will be combining 7 \& s" G5 Q. z
the mortgage with the line of credit and creating a 'Global borrowing
4 ]9 e$ Q, |! b. J0 d+ jlimit' that will be re-advanceable. More and more consumers will be l' @; K, i. M# q; u% Z
looking for these kind of products for tax planning and investment
# G G7 @% [9 P% @2 U5 {% D* q5 Xstrategies.
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1 D5 f0 n! n" E3 B. JAnd speaking about investors, banks are starting to recognize the / l* u! g) Q, a) j
growing number of home owners who are buying multiple revenue properties for
' q9 b2 Y# q7 V9 Iinvestments and we now have an 'Interest-Only' mortgage available for
; v6 @! M* x5 eself-employed borrowers on a 'Stated-income' basis for revenue
' ~# N, d2 g" g! L- _+ E5 t$ _properties. This marks the first time a self-employed individual can use
9 i p( j% z6 N3 l, L% ^# A9 V'stated-income' to qualify for a revenue property.
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% E0 h1 e1 F- G8 FThe interest rates will be higher for this product, but it is 3 ~" i3 Z3 D: C- U* b; [: c: h( V7 y! _
reflective of a growing trend towards American-Style lending practices. A prime
" Z4 ~# e0 H6 ]& {example of an American trend influencing our banks will be longer 8 A) J; z9 U! I7 c$ D% u
amortization periods. Canada has held tight on 25 year amortizations for * f9 z7 D+ h1 f% H6 T
years, up until now that is. A few lenders have announced 30 year 2 ?6 Y/ T1 q% |
amortizations on CMHC insured mortgages at fully discounted interest rates.6 z! e' n7 V" t* Z' r( f/ V
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Finally, in an effort to further take your attention away from the long
% H# u0 W8 U% C: {term rates, look for lenders to get more creative with the discounts
+ L, a8 @: J5 ^( Bthey offer on Variable Rate Mortgages. I fully expect to see stronger Y2 _# @' X- L4 K% L7 {" U
competition in the form of creative 'front-end loaded' discounts and / ^9 l& M4 v6 ^! B
teaser rates that make it more confusing to compare an apple to an apple 7 F0 S: D/ Z) n t6 b- C5 q E
when shopping for the best mortgage option. It's going to be another busy " I/ I, [& w4 ~& U+ H4 {; ]
spring market and consumers are going to be faced with more choices
5 \2 ]+ l- f% P) Z* Ithan ever before. The key, like always, is to get expert advice and # H$ G( }8 s$ Y6 G
remember you have options. |
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发表于 2006-5-7 20:26
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