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原帖由 dgg 于 2006-5-8 10:12 发表$ G9 F. g7 V5 o6 B* G
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7 {$ I$ L& x; x谢谢，请继续。6 ?( h: s; m( b; G0 r$ e8 p
8 j) Y+ c6 X7 n+ u; y/ {$ d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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5 ?% g* _. q( ]+ @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 1 X- l# h: l# n; L; ?! f7 _$ b
Spring is starting to arrive. Each and every year in late February and
4 T( w3 u) i$ q& j- Xearly March, the banks start rolling out their Spring market campaign of
4 i+ Z3 w9 e/ A! G! Nnew products in an effort to attract new consumers. And, if early signs 8 I2 q3 _2 H# [ ]! J( G
are any indication, we're poised for yet another busy spring. The banks ' N, b/ L$ M+ e9 q
view this as the best time of year to get your attention by coming up
' o- n% z8 H; m" wwith new products or simply putting twists on old ideas. 4 }" k4 x; r& C. i# p! a. H
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Over the next few weeks we'll see a variety of new products and this
2 ^9 w. @4 }/ i; fyear the early theme I'm seeing is banks getting more creative in an * Q0 ]: |. T3 Y/ B( A5 l- G
effort to help you borrow more money. This is partly in response to growing
6 W4 w# W4 r& F0 c6 A! kconcerns about the potential of rising rates. $ Y; Q/ L3 k# y0 r! O
; s: Z K" O/ u3 f" R* u6 e1 F. C& zIn an effort to take the focus away from rates, look for two lenders to
( M2 r7 ~% t! Jcome out with 'True Equity' programs that will allow home buyers the ) ?( [. J1 \" |* C3 \: B
ability to borrow up to 75% of the equity in their homes without having ' i' M) o$ u# Q7 D7 F8 S9 Y
to qualify based on their incomes. These programs were previously only $ J8 ~# m4 S& y2 r5 j9 h
available to self-employed borrowers. Income earners had to either put
9 G1 z1 N; [: f/ s5 ymore money down or pay higher rates. This will now be a mortgage based
* z7 P: o3 c) T X6 Jon the equity and the rates will be fully discounted.3 g% Z) A+ n- K2 k8 ~4 K) l
Another product to keep an eye on is more lenders who will be combining & W2 p& U' Z" n/ D) ?$ _
the mortgage with the line of credit and creating a 'Global borrowing
7 z- N: v" C8 h( T, klimit' that will be re-advanceable. More and more consumers will be 7 Y( J. R% t, f3 L# J
looking for these kind of products for tax planning and investment
. {6 \- q+ t+ r# wstrategies.
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7 ]0 X; u s, L1 hAnd speaking about investors, banks are starting to recognize the
% M0 f! V$ P( @) Cgrowing number of home owners who are buying multiple revenue properties for
; @4 P5 V9 s3 [2 O, ~" Pinvestments and we now have an 'Interest-Only' mortgage available for
6 V1 ?' P6 e9 _' ?8 I' ?4 tself-employed borrowers on a 'Stated-income' basis for revenue
) c) F& Y9 v$ o+ u# j. o7 T( zproperties. This marks the first time a self-employed individual can use
% D6 ?& t" D G5 @3 {# ^'stated-income' to qualify for a revenue property. 7 T- ~9 }. r9 i. R+ J
0 [ s+ z2 Z( u6 e) D0 g* }' h# RThe interest rates will be higher for this product, but it is
! I! o, Z+ V; x, H, `% treflective of a growing trend towards American-Style lending practices. A prime
: p2 t5 C2 F8 v6 }2 K/ \3 Fexample of an American trend influencing our banks will be longer
- }1 I# a$ A, N7 J* Ramortization periods. Canada has held tight on 25 year amortizations for
) Z) k4 z. S) s' z- f2 B0 tyears, up until now that is. A few lenders have announced 30 year * t$ m9 L/ A& g
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
7 |$ n) F; k# {) Oterm rates, look for lenders to get more creative with the discounts * X. ^2 g* Z8 i% T! J+ s# T% L
they offer on Variable Rate Mortgages. I fully expect to see stronger
! A X+ G/ t7 X7 P( t2 Pcompetition in the form of creative 'front-end loaded' discounts and % W" q2 i! W8 D5 u1 m# U, m+ Y
teaser rates that make it more confusing to compare an apple to an apple $ z9 V5 g' `* Y6 X
when shopping for the best mortgage option. It's going to be another busy $ U- n# }4 G* ~$ C8 u) y+ n; P
spring market and consumers are going to be faced with more choices # j1 h8 V; a0 [% `9 e) e/ X
than ever before. The key, like always, is to get expert advice and
# q+ h i3 z( [! Aremember you have options. |
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发表于 2006-5-7 20:26
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