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原帖由 dgg 于 2006-5-8 10:12 发表: ]" P# h/ R7 C2 [' h# a6 K
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" w- x+ e; l& D; C- z3 c谢谢，请继续。
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0 D! m+ Z7 A# ~& o* ~1 r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。
3 k( O! T7 [. F9 M6 J* u h( lThe following article is written by Peter Kinch.2 j' R0 [2 G$ v$ M- l( X
" k! |- h! p+ C0 ^Spring Is In The Air! In some markets in Canada it may feel like + O# E# t1 a$ D) l
Spring is starting to arrive. Each and every year in late February and # h' \" I8 u3 X3 ~
early March, the banks start rolling out their Spring market campaign of : Q$ i2 e1 t2 h$ M# E; {: s: K
new products in an effort to attract new consumers. And, if early signs
# c' H, c5 r) i. _# B7 ^are any indication, we're poised for yet another busy spring. The banks
: j$ h8 m0 G3 [- s* jview this as the best time of year to get your attention by coming up
3 q8 Z2 R+ J6 u, d4 Q# Awith new products or simply putting twists on old ideas.
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: V& e# g% F% _: O4 XOver the next few weeks we'll see a variety of new products and this * a& K; A, m' i' Q- _1 z' j
year the early theme I'm seeing is banks getting more creative in an
- N6 X$ `9 T- I) G) C. Geffort to help you borrow more money. This is partly in response to growing
" G0 g; @, t& I9 Pconcerns 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
+ H3 Y( e2 O5 ~) ^come out with 'True Equity' programs that will allow home buyers the 4 `. A3 j( x9 A9 z
ability to borrow up to 75% of the equity in their homes without having 8 ^6 `) ?0 ^3 f$ k! J
to qualify based on their incomes. These programs were previously only
, s/ a/ B3 } X# v0 oavailable to self-employed borrowers. Income earners had to either put ( |% B% @" T. _; r
more money down or pay higher rates. This will now be a mortgage based * h+ }/ j0 ~. A3 z
on the equity and the rates will be fully discounted., ~4 b4 q, o0 v. M& ?% x# k
Another product to keep an eye on is more lenders who will be combining ; D7 H F- t1 p T* k$ Q3 O
the mortgage with the line of credit and creating a 'Global borrowing ( ?# j x4 J6 b4 ]
limit' that will be re-advanceable. More and more consumers will be 0 E; s) ]+ i F$ ]; U' G
looking for these kind of products for tax planning and investment . E1 o0 b; ]7 @+ G
strategies.
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! c. d7 { t. }And speaking about investors, banks are starting to recognize the
9 A! x* f. O9 {: q% V- igrowing number of home owners who are buying multiple revenue properties for
% \9 y- w- l/ X) H; xinvestments and we now have an 'Interest-Only' mortgage available for
6 R: W* [- {8 X1 ^self-employed borrowers on a 'Stated-income' basis for revenue 5 z( B/ {$ H0 _# p. [" ~
properties. This marks the first time a self-employed individual can use 3 b3 e: B; {' j) a
'stated-income' to qualify for a revenue property. 2 J* |$ A% y5 f. v0 N( f) i
% n! c$ S; \& m6 D. T1 a3 HThe interest rates will be higher for this product, but it is 2 [$ E, o: D& Z1 B9 O
reflective of a growing trend towards American-Style lending practices. A prime
- S- o* [1 H2 xexample of an American trend influencing our banks will be longer 3 E9 W+ i; z- b3 _" g! @+ Q
amortization periods. Canada has held tight on 25 year amortizations for
0 i$ |4 a8 U" i5 M, xyears, up until now that is. A few lenders have announced 30 year
. C9 ^3 h, v6 b6 F; ?6 F) i7 `amortizations on CMHC insured mortgages at fully discounted interest rates.
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% c1 u1 z1 I3 @8 h1 T, R$ ZFinally, in an effort to further take your attention away from the long 8 [% `8 J g0 u. H
term rates, look for lenders to get more creative with the discounts & l* C4 {/ ~+ X5 I
they offer on Variable Rate Mortgages. I fully expect to see stronger % c0 P7 ?' @ ]; `& u+ h, P& ]
competition in the form of creative 'front-end loaded' discounts and 2 p: ~! c7 a4 ~3 z
teaser rates that make it more confusing to compare an apple to an apple
) u! `) t' h1 }! Z' o0 qwhen shopping for the best mortgage option. It's going to be another busy
{, d" j, _3 R1 f2 o3 Zspring market and consumers are going to be faced with more choices
+ [) O/ ^4 a' p) v/ }) k& ^0 F2 x, e1 xthan ever before. The key, like always, is to get expert advice and
a6 `; x5 b9 p' R5 i7 R( Nremember you have options. |
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发表于 2006-5-7 20:26
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