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原帖由 dgg 于 2006-5-8 10:12 发表
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5 q+ d5 X! {! C# A谢谢，请继续。- {6 f" x7 P& w
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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.( N, m: ~6 \2 [& {
H5 g% z+ w8 g. fSpring Is In The Air! In some markets in Canada it may feel like $ a# ^7 U6 v+ g1 S
Spring is starting to arrive. Each and every year in late February and
3 \9 X: X T( q" H: e; P$ k& ]; Aearly March, the banks start rolling out their Spring market campaign of
3 e/ G% Z( |+ ^; j& T" C' Q g* R4 Pnew products in an effort to attract new consumers. And, if early signs
( @/ U* E& W! n7 B+ g7 r: f$ Vare any indication, we're poised for yet another busy spring. The banks " K$ o! F5 j( M0 `2 l+ U
view this as the best time of year to get your attention by coming up
% r, } D% U& vwith new products or simply putting twists on old ideas. , |7 d+ e: k# A; R; d# v+ C2 n; Y
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Over the next few weeks we'll see a variety of new products and this
+ [1 @+ ~) m, B7 fyear the early theme I'm seeing is banks getting more creative in an , b6 u& N6 B3 b
effort to help you borrow more money. This is partly in response to growing - d* K h6 D. _) `, O& h/ n# b
concerns about the potential of rising rates. " d* Y9 O4 E' G6 K4 w% l
. Y6 Y2 i% W5 ?+ @+ i* HIn an effort to take the focus away from rates, look for two lenders to + M( N: J) P$ J3 B/ m0 e3 ^0 O' q
come out with 'True Equity' programs that will allow home buyers the ! V# K, G9 @# F. @* I) |, }* D
ability to borrow up to 75% of the equity in their homes without having 2 S. x$ r& M, P+ ~: h
to qualify based on their incomes. These programs were previously only 1 Y1 n: T9 u) U2 Q
available to self-employed borrowers. Income earners had to either put
H+ ~" n9 I0 {" K5 vmore money down or pay higher rates. This will now be a mortgage based
6 ]0 F+ b9 {- H n( ton the equity and the rates will be fully discounted.0 h9 w* j9 t) P7 M% ]( C. g/ H9 ]
Another product to keep an eye on is more lenders who will be combining / d( l- B' t- _; S2 \. }
the mortgage with the line of credit and creating a 'Global borrowing
, \; k, }( t, y; W5 flimit' that will be re-advanceable. More and more consumers will be 3 I4 S8 k4 z Z7 a4 l
looking for these kind of products for tax planning and investment
. S# R6 L ]: ?& R8 F+ g5 Bstrategies.
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. o/ I% v, |# A3 n: W. Y4 HAnd speaking about investors, banks are starting to recognize the
- v8 s* m N* c# ?" _% }growing number of home owners who are buying multiple revenue properties for 6 S3 {2 A& R T, x: j$ b
investments and we now have an 'Interest-Only' mortgage available for
* [1 K6 B% ], kself-employed borrowers on a 'Stated-income' basis for revenue 3 }) S5 J2 ~2 L! Y( d I
properties. This marks the first time a self-employed individual can use 8 g! w1 O' U/ v0 r( E& ^
'stated-income' to qualify for a revenue property.
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. U. _$ k* Y, Y8 P( f6 C& aThe interest rates will be higher for this product, but it is * P# F+ r% ~" Y; W2 v$ r7 E
reflective of a growing trend towards American-Style lending practices. A prime ; j% f; i% I& ^" i$ `3 ]2 m
example of an American trend influencing our banks will be longer * @4 T- g0 p. y
amortization periods. Canada has held tight on 25 year amortizations for
l! q3 c5 n, n% I- kyears, up until now that is. A few lenders have announced 30 year
$ I0 b9 q2 H' Tamortizations on CMHC insured mortgages at fully discounted interest rates.
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, c' C* B( x5 b- p/ ]* k% v% `Finally, in an effort to further take your attention away from the long
) ?& z$ u5 h' ~1 k$ l, M$ U: p3 \. pterm rates, look for lenders to get more creative with the discounts ) [$ n1 U0 [; D7 t( s4 w- a! s, C K
they offer on Variable Rate Mortgages. I fully expect to see stronger
3 e4 f. f6 M' c* h) c' {* I0 ~competition in the form of creative 'front-end loaded' discounts and
4 D' E1 X; D" M; v$ o/ Q4 i& xteaser rates that make it more confusing to compare an apple to an apple 4 K4 x) p9 t2 o* ^( Y. X O
when shopping for the best mortgage option. It's going to be another busy - k W, H4 Q" m% O- F0 U
spring market and consumers are going to be faced with more choices
: ?4 n3 N! }( H7 x( uthan ever before. The key, like always, is to get expert advice and - d" J; @7 W# R, H! U$ h2 j
remember you have options. |
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发表于 2006-5-7 20:26
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