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原帖由 dgg 于 2006-5-8 10:12 发表: f: a) H1 y# o) s& ]: O9 o" n
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6 g$ Z0 C- W8 Z/ I7 P2 ?% w' f谢谢，请继续。
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" X' q# X1 q" h1 d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。
% G& f/ Y, W! U* E( L* Z5 nThe following article is written by Peter Kinch.8 v% q6 |7 C- s4 J3 n, _
, y- y1 | D1 s7 p* _: N8 }- MSpring Is In The Air! In some markets in Canada it may feel like
' ]* L$ r# y4 L& C1 P9 q: eSpring is starting to arrive. Each and every year in late February and 0 A+ |3 Y' d, X" ?6 N
early March, the banks start rolling out their Spring market campaign of
" [, K8 g( P- ?) ?$ H9 Tnew products in an effort to attract new consumers. And, if early signs
% I R9 a) A5 \are any indication, we're poised for yet another busy spring. The banks
4 q0 W$ G( ~3 c2 W$ Dview this as the best time of year to get your attention by coming up
2 m' q& p7 N! \; c; @" dwith new products or simply putting twists on old ideas. # q% w) }* P( g
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Over the next few weeks we'll see a variety of new products and this
& W3 \1 r# H2 `! p- m/ pyear the early theme I'm seeing is banks getting more creative in an % \, Q* `: @/ x! Q9 v+ ]/ w
effort to help you borrow more money. This is partly in response to growing % P, m& t) g- @( `* R9 ^5 h9 s+ H
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 * K3 X2 p8 o6 K
come out with 'True Equity' programs that will allow home buyers the 2 F9 L' M: c/ h; W
ability to borrow up to 75% of the equity in their homes without having 2 b' a* l6 P% |- j0 S
to qualify based on their incomes. These programs were previously only
* j) T+ ]6 m% A: s( K: x7 z! Havailable to self-employed borrowers. Income earners had to either put
6 d& L; D0 F! c* i/ }& c1 O0 lmore money down or pay higher rates. This will now be a mortgage based $ I$ s* o5 A+ t5 F8 _: t
on the equity and the rates will be fully discounted.
6 t9 t+ h. l# h+ A2 o: W! @4 KAnother product to keep an eye on is more lenders who will be combining 9 c7 Q; m- q. Y, i$ `* Z$ \) a$ F
the mortgage with the line of credit and creating a 'Global borrowing
4 w8 y. C. m( u- `limit' that will be re-advanceable. More and more consumers will be ( U1 ~2 z/ i: L6 J
looking for these kind of products for tax planning and investment + o6 q% v# K6 K8 z1 k
strategies. ! K* `/ ]1 j7 E. ~$ X: {
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And speaking about investors, banks are starting to recognize the 0 K9 y8 I. U3 h% o$ Z# I/ q
growing number of home owners who are buying multiple revenue properties for 3 F! k. K# a3 C1 M
investments and we now have an 'Interest-Only' mortgage available for
! c& t, q A& E- x6 ]1 {self-employed borrowers on a 'Stated-income' basis for revenue $ O$ `* ]% c4 f: s
properties. This marks the first time a self-employed individual can use 0 H3 o3 U- |4 O3 Y% c
'stated-income' to qualify for a revenue property.
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) d" r! F* u2 iThe interest rates will be higher for this product, but it is
& L5 U5 Q0 l* }( i' R+ j- ^& }reflective of a growing trend towards American-Style lending practices. A prime
# ^) _6 d+ H& ]5 x' t$ Nexample of an American trend influencing our banks will be longer 4 r4 U% U+ U# B/ T
amortization periods. Canada has held tight on 25 year amortizations for
$ z, c2 u3 {8 U$ q8 x, U uyears, up until now that is. A few lenders have announced 30 year
" N/ N7 c; m* g) wamortizations on CMHC insured mortgages at fully discounted interest rates.5 T1 F% \* u8 {0 i
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Finally, in an effort to further take your attention away from the long 8 Z( Q6 j7 T0 j9 u4 c: g' o( e0 ]
term rates, look for lenders to get more creative with the discounts
; m% e& W% b n" dthey offer on Variable Rate Mortgages. I fully expect to see stronger
; u; G' ~: Y1 x. K4 a! ycompetition in the form of creative 'front-end loaded' discounts and 5 S- b$ g/ p+ x2 {1 h7 L9 N
teaser rates that make it more confusing to compare an apple to an apple 7 |% j1 @4 S! T1 ^# Z5 T
when shopping for the best mortgage option. It's going to be another busy
" U/ w! N; u' u2 |spring market and consumers are going to be faced with more choices ! L0 c4 Y0 V# d; i& u9 c
than ever before. The key, like always, is to get expert advice and
( k$ F1 O) [7 p8 q: tremember you have options. |
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发表于 2006-5-7 20:26
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