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原帖由 dgg 于 2006-5-8 10:12 发表
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7 D( E0 `% w1 O+ u6 q谢谢，请继续。
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' s8 U3 p6 u& j! ^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.0 E" x2 A7 ]# x: V- W1 L; a. o
3 R9 \; N) W; n L% `4 ESpring Is In The Air! In some markets in Canada it may feel like
, o, s' p& I" [- o0 p) L5 MSpring is starting to arrive. Each and every year in late February and
/ F# I# Y+ y2 X& T6 Yearly March, the banks start rolling out their Spring market campaign of
0 c) ~( B* S3 N p( B/ Vnew products in an effort to attract new consumers. And, if early signs
9 d5 x$ |1 B! Q u( d7 `are any indication, we're poised for yet another busy spring. The banks
9 r7 l. b- N. U! j1 Pview this as the best time of year to get your attention by coming up ; |' B/ F/ N+ B9 c L% n, a1 T
with new products or simply putting twists on old ideas. % R) f" n7 u6 w/ {6 y; E! E
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Over the next few weeks we'll see a variety of new products and this
% ^0 H5 M/ x; B% i1 P |' Xyear the early theme I'm seeing is banks getting more creative in an
$ `4 j% _. m+ |2 U. o q5 `effort to help you borrow more money. This is partly in response to growing 6 f* Q7 \7 y9 b7 o2 f
concerns about the potential of rising rates. 0 g2 C( F9 O" ?" B
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In an effort to take the focus away from rates, look for two lenders to
- M9 A, Z4 x- y0 C |0 f1 ncome out with 'True Equity' programs that will allow home buyers the
/ b) d, p* f0 y S( r) Kability to borrow up to 75% of the equity in their homes without having 9 j0 O0 f, ^5 O) x7 D9 O1 O( U
to qualify based on their incomes. These programs were previously only
) i$ s0 U, K. l- ^; d3 Favailable to self-employed borrowers. Income earners had to either put & v# w4 p# q0 V6 P! V; O
more money down or pay higher rates. This will now be a mortgage based
h A' B9 z' E2 B5 X' w. M% Hon the equity and the rates will be fully discounted.+ x0 w6 X4 l: D9 @* e2 b9 X
Another product to keep an eye on is more lenders who will be combining * d1 X5 V; @( X; O" J
the mortgage with the line of credit and creating a 'Global borrowing 6 O: G- R: Y7 D' B
limit' that will be re-advanceable. More and more consumers will be
9 `6 L/ |) Z! G+ E- t. ~$ [looking for these kind of products for tax planning and investment
/ _2 c/ O3 Z" S$ @! gstrategies.
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And speaking about investors, banks are starting to recognize the * v' V4 M4 Q9 {1 h& j6 h3 X
growing number of home owners who are buying multiple revenue properties for : O: G4 O4 f) L, H
investments and we now have an 'Interest-Only' mortgage available for
. t( U# O$ k9 Gself-employed borrowers on a 'Stated-income' basis for revenue 0 m) e6 Y1 A% Q& A7 o" y
properties. This marks the first time a self-employed individual can use 4 [& _' U/ ^. [
'stated-income' to qualify for a revenue property. 3 n! `: F* n* ~6 h9 U5 x7 u
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The interest rates will be higher for this product, but it is 9 G2 y4 d, @0 J- z
reflective of a growing trend towards American-Style lending practices. A prime
% t% w7 D' Y5 Q% V% iexample of an American trend influencing our banks will be longer ) j; ^! `1 P* o
amortization periods. Canada has held tight on 25 year amortizations for 3 a; s. C1 K& l, v$ `$ E2 P4 s0 N: w
years, up until now that is. A few lenders have announced 30 year
2 v# D! y3 J+ C: hamortizations on CMHC insured mortgages at fully discounted interest rates.3 E, ^7 r& E7 J: o
. M* \0 ?5 h8 i' o5 DFinally, in an effort to further take your attention away from the long
' U2 x7 s1 @* C3 N9 F0 ~term rates, look for lenders to get more creative with the discounts
; t. s# l1 t8 t+ u9 {' othey offer on Variable Rate Mortgages. I fully expect to see stronger s H& i$ k3 n+ c# n+ \
competition in the form of creative 'front-end loaded' discounts and
1 U. Q$ P \7 s9 ]" tteaser rates that make it more confusing to compare an apple to an apple ' X! |& K* a+ q3 o* ^1 c6 a
when shopping for the best mortgage option. It's going to be another busy 8 R8 j% G$ G5 r0 X5 o2 J2 [% Z
spring market and consumers are going to be faced with more choices ( y/ M+ U& m- \! j4 j* r1 h
than ever before. The key, like always, is to get expert advice and " j6 Z+ E5 P5 w
remember you have options. |
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发表于 2006-5-7 20:26
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