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原帖由 dgg 于 2006-5-8 10:12 发表2 g' R X! K7 c7 F I }
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8 v* H+ U) U6 k- o4 A谢谢，请继续。
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' w- Y& P3 p% j6 y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
' y2 o! d# m; w' S: w5 S& ~1 iSpring is starting to arrive. Each and every year in late February and
2 g" \! c. \7 Wearly March, the banks start rolling out their Spring market campaign of
7 p) Y" d8 P/ I' ^ R/ ?new products in an effort to attract new consumers. And, if early signs
5 K7 z' Q9 ~; b3 c/ tare any indication, we're poised for yet another busy spring. The banks
2 c( v" [7 D# x& `view this as the best time of year to get your attention by coming up / _+ R0 @% H* p- z, c5 z
with new products or simply putting twists on old ideas.
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. _7 C$ z, c8 i1 P$ l' [Over the next few weeks we'll see a variety of new products and this
" y$ T2 Z9 D# e6 @& C0 `year the early theme I'm seeing is banks getting more creative in an
- C. G3 r& k/ ^ B. s H5 P$ Beffort to help you borrow more money. This is partly in response to growing / K1 U+ n' G+ S. L. @
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
2 C& b% [; P7 ? H2 J* X8 rcome out with 'True Equity' programs that will allow home buyers the 3 r( x: k, D! S: }- z, Y3 A* u
ability to borrow up to 75% of the equity in their homes without having
; }* C+ p/ l9 Z0 }5 T$ [5 r& k- V7 yto qualify based on their incomes. These programs were previously only
2 n1 t% X) h- Y, @available to self-employed borrowers. Income earners had to either put
f# S7 q* H U$ `: v& ymore money down or pay higher rates. This will now be a mortgage based
7 D5 Q9 c/ Q1 x8 U. ?7 ?on the equity and the rates will be fully discounted., Z# Z2 J! o1 q: N, G& E
Another product to keep an eye on is more lenders who will be combining
+ W/ k- [2 M& [' Y, Qthe mortgage with the line of credit and creating a 'Global borrowing 5 c) \% F! m6 ]8 U0 `: L; Z8 n
limit' that will be re-advanceable. More and more consumers will be D" Y; Z# f3 u
looking for these kind of products for tax planning and investment
4 ^# a! w ^, K5 g9 @- ^; h8 ]4 sstrategies. 1 z+ p" c7 ?2 G7 ]! A3 H- j! |
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And speaking about investors, banks are starting to recognize the , ]; u! P7 G2 z) C0 A& |8 D7 B; j
growing number of home owners who are buying multiple revenue properties for 6 z4 t9 j) v& u" v1 c/ [
investments and we now have an 'Interest-Only' mortgage available for * j$ u4 E- ~7 ], A. Y7 |
self-employed borrowers on a 'Stated-income' basis for revenue $ H, K' X! l+ ?# w7 `; R4 a
properties. This marks the first time a self-employed individual can use
6 j" ]6 J, p8 b'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
1 }* v6 a) e% O5 \! \reflective of a growing trend towards American-Style lending practices. A prime
" [7 S9 K$ d& @% ^example of an American trend influencing our banks will be longer ) Y: r7 ~0 u, m: m Q% W
amortization periods. Canada has held tight on 25 year amortizations for
$ P4 D4 V" V) e$ F' H: h0 myears, up until now that is. A few lenders have announced 30 year
+ U0 I9 S9 {) ], kamortizations on CMHC insured mortgages at fully discounted interest rates.% u( [2 l; M1 }5 X1 b7 @$ Z# r; n
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Finally, in an effort to further take your attention away from the long + Q' F& r0 b/ a
term rates, look for lenders to get more creative with the discounts . D2 s p2 d. M# V. M% G
they offer on Variable Rate Mortgages. I fully expect to see stronger " P' v- F& s z( l% w: R
competition in the form of creative 'front-end loaded' discounts and 5 P2 D9 l) w. M f- B: [6 ]# @" F
teaser rates that make it more confusing to compare an apple to an apple # }- H" H& h* [9 z2 u' |
when shopping for the best mortgage option. It's going to be another busy
& |' B; V7 e3 O6 c9 ]$ Vspring market and consumers are going to be faced with more choices 7 q3 M/ Y* k' U/ w$ x
than ever before. The key, like always, is to get expert advice and
% V# D) c5 }6 A6 |' Oremember you have options. |
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