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原帖由 dgg 于 2006-5-8 10:12 发表4 x' ~& b7 \$ @! u% d5 l% U
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/ v# F/ K7 c' ^) c- Z谢谢，请继续。; ~$ s, y$ O: N1 V2 W0 I; T0 N/ Z
4 S$ _9 }1 H6 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。
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The following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like
+ i% \6 n4 w& ~0 E3 ^Spring is starting to arrive. Each and every year in late February and
) B: m: X, @: C0 V1 Bearly March, the banks start rolling out their Spring market campaign of 8 N8 j3 w& u. u! r( v4 T
new products in an effort to attract new consumers. And, if early signs
+ C' }3 C" _9 U" Ware any indication, we're poised for yet another busy spring. The banks + m! d7 m0 N/ W* }
view this as the best time of year to get your attention by coming up
; A+ s2 s6 @% @' H' i$ L" Vwith new products or simply putting twists on old ideas. % j* ^$ w7 u& L) o6 s
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Over the next few weeks we'll see a variety of new products and this
0 Z; c, d' f! B, h& J) Ryear the early theme I'm seeing is banks getting more creative in an
8 r8 b: [" C/ I3 weffort to help you borrow more money. This is partly in response to growing
! C! z0 t6 s4 F8 Y Yconcerns about the potential of rising rates.
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+ o+ ^% B& E+ CIn an effort to take the focus away from rates, look for two lenders to 1 V9 k$ h* h. h. }
come out with 'True Equity' programs that will allow home buyers the
1 b" c/ F5 K m/ P; H0 @ \, T3 yability to borrow up to 75% of the equity in their homes without having P' q; f- y$ h5 d# K
to qualify based on their incomes. These programs were previously only 8 ]3 q# w, e3 l2 k* u/ r1 D
available to self-employed borrowers. Income earners had to either put
7 t8 `! T' M% I" q7 gmore money down or pay higher rates. This will now be a mortgage based
* {/ g3 K. v! R( e0 S! W6 C$ j, Gon the equity and the rates will be fully discounted.
( }- k7 {5 q3 @/ e% s, EAnother product to keep an eye on is more lenders who will be combining 6 q0 v9 \$ c; y \& M
the mortgage with the line of credit and creating a 'Global borrowing
& v7 i- O: B; `) p7 A: y/ c0 s1 ^; plimit' that will be re-advanceable. More and more consumers will be
6 L2 d. q; E$ n; ~7 d4 W! olooking for these kind of products for tax planning and investment 6 p1 Z$ }$ I$ p4 n
strategies. ' N* ^3 w( Z0 v- A2 y
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And speaking about investors, banks are starting to recognize the % y, I" R' d/ M5 k2 ?+ u# ?5 [
growing number of home owners who are buying multiple revenue properties for ' t6 _* Y9 F! J$ }1 I, `( y9 K
investments and we now have an 'Interest-Only' mortgage available for ; f" m. M V" W( N
self-employed borrowers on a 'Stated-income' basis for revenue * \; n& B- M; D4 {) D7 n
properties. This marks the first time a self-employed individual can use ' z ^/ w2 c$ T- F% q l! w8 w
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is % s% V& J) @5 [! _
reflective of a growing trend towards American-Style lending practices. A prime
+ c$ C; V0 t. dexample of an American trend influencing our banks will be longer
: Y/ ~% e: ~# kamortization periods. Canada has held tight on 25 year amortizations for ' L- T* H4 X# z$ I7 s
years, up until now that is. A few lenders have announced 30 year - N9 L9 F* n* G5 V
amortizations on CMHC insured mortgages at fully discounted interest rates.
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8 o8 B: S. p/ w/ `Finally, in an effort to further take your attention away from the long
- a, a" x I& c1 _term rates, look for lenders to get more creative with the discounts 4 ]& A( {8 [6 W3 ~, h
they offer on Variable Rate Mortgages. I fully expect to see stronger
9 i! D W5 t D$ D q" ]5 O4 l# ~, Jcompetition in the form of creative 'front-end loaded' discounts and ]% e- t" p8 ~0 Q6 o8 u7 O9 R# r" y
teaser rates that make it more confusing to compare an apple to an apple
% N# ^" h4 V6 Mwhen shopping for the best mortgage option. It's going to be another busy
6 U, _+ _! \ E B8 Q- U) g. V. Kspring market and consumers are going to be faced with more choices
/ ?3 a" j0 I( M' T8 R7 }4 ?than ever before. The key, like always, is to get expert advice and / w3 T" j( I9 A
remember you have options. |
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发表于 2006-5-7 20:26
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