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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。$ X3 p! a+ @' U# G* f( q8 m
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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.! z3 s$ ^* w0 ?" Z% H' Y
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Spring Is In The Air! In some markets in Canada it may feel like
y! }9 W6 V: nSpring is starting to arrive. Each and every year in late February and
# a, f' E; X/ ?early March, the banks start rolling out their Spring market campaign of
; t% _5 k1 ]4 Z5 p4 m2 J. enew products in an effort to attract new consumers. And, if early signs
* t/ H+ y% C) Y: Q1 qare any indication, we're poised for yet another busy spring. The banks
4 u3 I/ n' h4 G9 H+ Z) vview this as the best time of year to get your attention by coming up " b* P4 H3 s5 u1 |: {; s$ W8 H
with new products or simply putting twists on old ideas. # c- W( m: E# q
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Over the next few weeks we'll see a variety of new products and this * V1 ]% {' K) Q! }* Y; W, a# F
year the early theme I'm seeing is banks getting more creative in an ; \: [$ D5 T$ b/ C7 B: S
effort to help you borrow more money. This is partly in response to growing 2 ^4 C) U4 y; V6 T
concerns about the potential of rising rates.
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8 Q8 H$ {: J, y/ N) [5 ^; fIn an effort to take the focus away from rates, look for two lenders to ) d, @5 s1 m8 ]; u
come out with 'True Equity' programs that will allow home buyers the
% Q9 Q5 t6 p) o& V5 s- H: iability to borrow up to 75% of the equity in their homes without having + m1 q" |) Q, |; [) w
to qualify based on their incomes. These programs were previously only ' a; p/ _- Q( p, L. n6 z
available to self-employed borrowers. Income earners had to either put
* Q( A# X3 Y: R, y% ?) Emore money down or pay higher rates. This will now be a mortgage based ! K5 k3 n2 F& U( D# p+ u4 x# ^
on the equity and the rates will be fully discounted.
! h" I2 C8 m9 o/ ~& BAnother product to keep an eye on is more lenders who will be combining + n L" n1 z s* @3 f4 [2 \' c
the mortgage with the line of credit and creating a 'Global borrowing
# |7 G! `9 n. Y7 w$ N: Hlimit' that will be re-advanceable. More and more consumers will be ! A6 P/ G' O o4 i$ T! q5 ]
looking for these kind of products for tax planning and investment / `8 T* c2 i% X9 z i5 A% D4 P( O
strategies.
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4 v V( n1 L* PAnd speaking about investors, banks are starting to recognize the 1 R% V0 z* D7 ^* X0 ^6 n8 H8 c
growing number of home owners who are buying multiple revenue properties for 5 c5 f3 }8 L( H3 y; D. j' }
investments and we now have an 'Interest-Only' mortgage available for
4 U6 p) `% e# c- { e0 I' [self-employed borrowers on a 'Stated-income' basis for revenue 5 y4 L. @' m0 {0 j" A
properties. This marks the first time a self-employed individual can use 5 T8 a0 f) v$ @: U# K
'stated-income' to qualify for a revenue property.
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9 F$ E; u0 K8 J& m& `. MThe interest rates will be higher for this product, but it is
7 `, ]4 H) a6 s, Xreflective of a growing trend towards American-Style lending practices. A prime 9 m( f( o1 ?6 ^3 E1 e; o' g
example of an American trend influencing our banks will be longer ! U6 w" ]3 T2 I; s' _8 b$ w" S
amortization periods. Canada has held tight on 25 year amortizations for ) g0 [ L- a: v
years, up until now that is. A few lenders have announced 30 year / j# T! d# _, b8 Q
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long
* W0 ^0 E3 ^7 w Nterm rates, look for lenders to get more creative with the discounts
# i0 i2 e' L$ A8 kthey offer on Variable Rate Mortgages. I fully expect to see stronger . t/ N8 r" b; ~! ^) L2 e
competition in the form of creative 'front-end loaded' discounts and
: t7 n- W0 r2 T3 Xteaser rates that make it more confusing to compare an apple to an apple
- H: `( ~, l4 S" O, X: _when shopping for the best mortgage option. It's going to be another busy
! A3 a$ n( a% O- |- E. Bspring market and consumers are going to be faced with more choices
. ~+ T! b9 p4 vthan ever before. The key, like always, is to get expert advice and % G3 l/ o' O, c) |1 Z& t# Y* ^
remember you have options. |
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发表于 2006-5-7 20:26
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