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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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+ J* H9 q% k! R; B, g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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0 N6 T6 p0 j, X$ KThe 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 7 m% s/ E4 K; v' p3 W4 D+ j
Spring is starting to arrive. Each and every year in late February and 8 _5 S- Q6 B; S9 c- e9 x, l) g
early March, the banks start rolling out their Spring market campaign of ; Z' q1 G D6 b; T2 b# Y
new products in an effort to attract new consumers. And, if early signs
& S" A/ r" L$ Q2 x( Tare any indication, we're poised for yet another busy spring. The banks 5 a b1 E( C; `4 _
view this as the best time of year to get your attention by coming up
S% Y, f& R7 h; G1 a, y6 E7 A# i. Twith new products or simply putting twists on old ideas.
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1 A' x9 K" t4 W% [2 _Over the next few weeks we'll see a variety of new products and this 6 g5 u" m2 d+ u+ H9 w7 G: i
year the early theme I'm seeing is banks getting more creative in an ) o, s! @/ U% {5 o) a' x) A
effort to help you borrow more money. This is partly in response to growing 6 O% }, c# l, V7 ]
concerns about the potential of rising rates. / }( T, b2 y; I2 B$ W) O) l
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In an effort to take the focus away from rates, look for two lenders to ; q% @, y# U# L& \) c0 v7 q9 \; i
come out with 'True Equity' programs that will allow home buyers the
. c% I e2 i0 e! F: @ability to borrow up to 75% of the equity in their homes without having
* t; g2 h. C1 {0 z$ h, M" Eto qualify based on their incomes. These programs were previously only $ s. G; ~0 l6 t' H* d2 X& ~9 i
available to self-employed borrowers. Income earners had to either put
9 e! k. c4 V; A# k3 k* Xmore money down or pay higher rates. This will now be a mortgage based H6 M9 N0 c% H6 X4 s: p
on the equity and the rates will be fully discounted.
' G) T) k% l; e4 E" h( C, @Another product to keep an eye on is more lenders who will be combining
`2 g( ^, T Bthe mortgage with the line of credit and creating a 'Global borrowing " e% h, q' J. {- a, H
limit' that will be re-advanceable. More and more consumers will be # d+ l4 `" r# O: Q! v
looking for these kind of products for tax planning and investment
; b9 m- z$ h) O- |( B6 K2 Pstrategies.
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And speaking about investors, banks are starting to recognize the ) V, @( C$ e0 O0 t
growing number of home owners who are buying multiple revenue properties for ' }5 M% Z) n; T8 e7 P5 |* d
investments and we now have an 'Interest-Only' mortgage available for + s( D1 e- u6 W3 n. N/ \
self-employed borrowers on a 'Stated-income' basis for revenue
J8 _: N7 e9 X& Y; Oproperties. This marks the first time a self-employed individual can use
: f% `- @$ {2 I'stated-income' to qualify for a revenue property.
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) U. ^* C/ m4 O9 BThe interest rates will be higher for this product, but it is
% i! u- A& }+ Zreflective of a growing trend towards American-Style lending practices. A prime
, Y; V: x8 Q" o* W3 Cexample of an American trend influencing our banks will be longer 1 ]# E# ~9 g8 T) d, K7 }
amortization periods. Canada has held tight on 25 year amortizations for
s6 [2 G; @0 lyears, up until now that is. A few lenders have announced 30 year 3 S p5 J& o$ x ~
amortizations on CMHC insured mortgages at fully discounted interest rates." f* g, U& x# o9 `' b
2 D) V0 B o, N. k' T& G& a" hFinally, in an effort to further take your attention away from the long
2 i3 A" s% s2 j' S; y" Z+ Yterm rates, look for lenders to get more creative with the discounts 0 U, Z# _' i* a4 c4 u% X
they offer on Variable Rate Mortgages. I fully expect to see stronger 9 T/ r3 H6 L. o1 i( }
competition in the form of creative 'front-end loaded' discounts and 3 t6 ~/ l1 m& ?3 g7 v, L2 }3 E
teaser rates that make it more confusing to compare an apple to an apple
8 s' |) a7 s! Zwhen shopping for the best mortgage option. It's going to be another busy
. t0 g( Z$ V% mspring market and consumers are going to be faced with more choices : e& m( E8 P( u/ c1 k" k; o
than ever before. The key, like always, is to get expert advice and
+ y; _' {9 w8 A2 M0 [9 E, Hremember you have options. |
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