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原帖由 dgg 于 2006-5-8 10:12 发表
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/ _& H0 J& x' c' y: p谢谢，请继续。
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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.+ \8 Z+ H% @) U- m2 ?" G
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Spring Is In The Air! In some markets in Canada it may feel like
' a4 i8 \& {0 h: a( x: mSpring is starting to arrive. Each and every year in late February and
" u ~# k9 V. Gearly March, the banks start rolling out their Spring market campaign of ' Q9 ?$ K5 |+ r' Y: N
new products in an effort to attract new consumers. And, if early signs ' M' A$ Z/ a7 L
are any indication, we're poised for yet another busy spring. The banks
4 [7 ~ I E# g+ F. h2 H+ hview this as the best time of year to get your attention by coming up
$ b+ ?* D) R- w! E8 Bwith new products or simply putting twists on old ideas. 4 d; x) }1 Q$ I1 O9 r' ?
% R6 i; X- w; J* ^8 KOver the next few weeks we'll see a variety of new products and this 3 q4 C b0 D" D' Y h
year the early theme I'm seeing is banks getting more creative in an ; t! d- H, s* h% q! f8 ~# R. x0 S2 {
effort to help you borrow more money. This is partly in response to growing 5 E% E: E; {, ^$ t
concerns about the potential of rising rates.
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, b' A9 I; F! C0 i! GIn an effort to take the focus away from rates, look for two lenders to # H. F7 Z' |, M2 }$ k! V) L
come out with 'True Equity' programs that will allow home buyers the
2 C4 o' c8 O6 c3 ~ability to borrow up to 75% of the equity in their homes without having 1 C5 x& s0 c. d w8 L2 t! a6 p
to qualify based on their incomes. These programs were previously only
- k. R6 r0 f4 z) ` N9 d/ d) Lavailable to self-employed borrowers. Income earners had to either put
9 M9 e6 i u0 G' rmore money down or pay higher rates. This will now be a mortgage based
9 D. a7 r- ]$ ~6 Ton the equity and the rates will be fully discounted." ^# [' w z1 x
Another product to keep an eye on is more lenders who will be combining ' A8 C4 \1 _8 e: B4 `7 a
the mortgage with the line of credit and creating a 'Global borrowing
0 R5 v8 q1 A3 x* B( a/ d5 z6 M! @limit' that will be re-advanceable. More and more consumers will be
: y6 @4 r, Y2 @$ `% Blooking for these kind of products for tax planning and investment
" L6 t& R1 w8 L+ R! @0 z0 Y+ kstrategies. 6 B, @( H/ @. n9 {. t7 n1 v
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And speaking about investors, banks are starting to recognize the
8 A7 N+ w* _: Q/ J, W6 t4 A4 \growing number of home owners who are buying multiple revenue properties for # w$ i0 |7 z6 R$ S' E$ z
investments and we now have an 'Interest-Only' mortgage available for % I" B K& h& B! _ e
self-employed borrowers on a 'Stated-income' basis for revenue ' V; b: D( k$ x4 l8 Y3 m
properties. This marks the first time a self-employed individual can use
! E, S+ j) W& f; T/ f'stated-income' to qualify for a revenue property.
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' Y# w0 l. X* E& t6 lThe interest rates will be higher for this product, but it is ' H+ s' u5 J& v: x* T _: ^. k+ P4 u
reflective of a growing trend towards American-Style lending practices. A prime
+ M6 e1 K6 D- g1 a6 m0 B/ eexample of an American trend influencing our banks will be longer
/ l: a) ]. K( R$ Lamortization periods. Canada has held tight on 25 year amortizations for
+ u7 n9 R* ~8 w7 M* ~8 d' gyears, up until now that is. A few lenders have announced 30 year
' |0 O& p: V; o3 Xamortizations on CMHC insured mortgages at fully discounted interest rates.$ S/ w$ @+ t% [5 ]3 q. m
- e2 |) b" i* L# G9 D1 ]Finally, in an effort to further take your attention away from the long : U6 X, v, f+ u/ M) m
term rates, look for lenders to get more creative with the discounts
! ~3 `* N: E: [7 R, x1 |they offer on Variable Rate Mortgages. I fully expect to see stronger
( N: v/ k2 @! Q9 {1 lcompetition in the form of creative 'front-end loaded' discounts and 1 X5 e& T0 P% j! B6 q) W* S& t6 z
teaser rates that make it more confusing to compare an apple to an apple 0 S$ g* H3 Y) z& O
when shopping for the best mortgage option. It's going to be another busy
2 B2 z6 s, a/ _8 K9 _* B% ]spring market and consumers are going to be faced with more choices
2 k. d. W/ Y/ | X/ c. dthan ever before. The key, like always, is to get expert advice and
. w3 i5 N, {+ a: \7 R$ i5 J6 Z6 vremember you have options. |
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