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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。8 l$ u* @1 z: U, L
6 a; E$ a5 D" _0 X: |5 [# n U5 r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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0 A. K6 ?- i- b" ^2 ySpring Is In The Air! In some markets in Canada it may feel like
; J$ w. a& w" o o8 z) kSpring is starting to arrive. Each and every year in late February and
/ H' L7 u- c6 a" g- B0 aearly March, the banks start rolling out their Spring market campaign of
0 z' r: n, }' B: b/ d- Q" G! }* Jnew products in an effort to attract new consumers. And, if early signs % t* s# `/ H8 o+ ]6 }
are any indication, we're poised for yet another busy spring. The banks
# Q; p' G6 B6 ^3 D5 T6 p1 D/ Oview this as the best time of year to get your attention by coming up ' i5 }) N0 Q4 j1 E8 T
with new products or simply putting twists on old ideas. % C4 ? Q/ Q; Z& A3 c+ O" s3 E8 r
# S' c" B2 T+ h) n( UOver the next few weeks we'll see a variety of new products and this 8 n& B% c$ B* m4 i, M% M
year the early theme I'm seeing is banks getting more creative in an
( a- Q5 z# f6 n6 D) J& Beffort to help you borrow more money. This is partly in response to growing
% T4 C" ^4 F e2 A. `concerns about the potential of rising rates.
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. R& c C3 E% t! FIn an effort to take the focus away from rates, look for two lenders to ' r$ J* k. k. u( P9 e
come out with 'True Equity' programs that will allow home buyers the
* n& W* B& v$ C F' u; h y7 Hability to borrow up to 75% of the equity in their homes without having
# \$ G& G2 v3 @to qualify based on their incomes. These programs were previously only
4 O' ]5 D' w1 y! ?& K0 xavailable to self-employed borrowers. Income earners had to either put $ N5 }9 H6 i9 N$ G) T
more money down or pay higher rates. This will now be a mortgage based 8 l, u: F5 A! x2 h s' u
on the equity and the rates will be fully discounted.
; `0 @/ [4 ?5 i4 b, A1 xAnother product to keep an eye on is more lenders who will be combining
3 x6 a0 d" ?0 ^1 a! |the mortgage with the line of credit and creating a 'Global borrowing . j6 \( S7 v3 u! J! Z; F6 r2 q
limit' that will be re-advanceable. More and more consumers will be 1 ^+ i6 d: B. x' s% } S7 h
looking for these kind of products for tax planning and investment 0 K3 x4 S* [, k9 S" U7 h3 T/ _
strategies. 9 b2 Y& w7 Y+ o) W6 R( W2 H- }/ d
% i2 ~7 U# D0 k- `- a% OAnd speaking about investors, banks are starting to recognize the
' X1 E4 Z: j n) X& o# igrowing number of home owners who are buying multiple revenue properties for
7 ]& P4 \9 w" S" k" C* f, cinvestments and we now have an 'Interest-Only' mortgage available for
k$ G- ^& `6 C. W5 Pself-employed borrowers on a 'Stated-income' basis for revenue & a4 f- ?% G5 C( Y5 s
properties. This marks the first time a self-employed individual can use 2 l q: m% m7 r1 ?& C) r" ]
'stated-income' to qualify for a revenue property. , m, E( f1 b+ M: ~( d$ A
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The interest rates will be higher for this product, but it is
# b$ l/ [+ l6 X9 y, @! a' A1 O0 ereflective of a growing trend towards American-Style lending practices. A prime 4 K# k, w5 Q' O
example of an American trend influencing our banks will be longer ' n# k) }( r4 R5 B& d6 n5 t
amortization periods. Canada has held tight on 25 year amortizations for
' o b6 `) ? Z1 Lyears, up until now that is. A few lenders have announced 30 year , K: X$ k# ^. P5 m- m
amortizations on CMHC insured mortgages at fully discounted interest rates.$ D; P. F1 R) B v* s0 t, h) U% C
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Finally, in an effort to further take your attention away from the long
' u5 a2 o1 m. \term rates, look for lenders to get more creative with the discounts
% W/ K) W, T. l" [" zthey offer on Variable Rate Mortgages. I fully expect to see stronger ) D% `7 e5 k2 d
competition in the form of creative 'front-end loaded' discounts and
4 y4 }( T' c' Qteaser rates that make it more confusing to compare an apple to an apple 6 v" m5 t2 Z+ e
when shopping for the best mortgage option. It's going to be another busy
* M# U( ~ s9 K* @# @spring market and consumers are going to be faced with more choices
. f: u4 h1 x8 `# y b" Jthan ever before. The key, like always, is to get expert advice and
4 }" i/ u" V0 P0 m3 B4 Z$ ]remember you have options. |
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发表于 2006-5-7 20:26
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