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原帖由 dgg 于 2006-5-8 10:12 发表5 t/ N d- G: Z- d, W2 S' C
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5 m* Y b' _/ t谢谢，请继续。+ u4 k& `% q1 F. I: d/ N: H9 B
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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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" H7 O8 |! V2 Z( z* KThe 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 G0 U' A, M( x0 R u. {
Spring is starting to arrive. Each and every year in late February and
0 k1 T% Z$ L, k- g% p; Yearly March, the banks start rolling out their Spring market campaign of
/ c4 {" J: h( P( K8 ~% U& snew products in an effort to attract new consumers. And, if early signs : o" q6 G( D5 g" l! K' q4 B
are any indication, we're poised for yet another busy spring. The banks
3 m& f9 W* Y/ d1 l! Wview this as the best time of year to get your attention by coming up * e: h/ I8 `1 |0 I5 b
with new products or simply putting twists on old ideas. 8 E9 P7 P! N3 J* ]7 h7 G' L
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Over the next few weeks we'll see a variety of new products and this 7 H* H8 n+ [' w8 _
year the early theme I'm seeing is banks getting more creative in an / r+ I" U! U- ]; k* W! K( {
effort to help you borrow more money. This is partly in response to growing 7 e% M/ X0 k- w7 r, K% {5 M
concerns about the potential of rising rates. . y0 l# M1 R' n. z j" L( @$ O
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In an effort to take the focus away from rates, look for two lenders to , |9 d+ Y% M( k! ]
come out with 'True Equity' programs that will allow home buyers the 0 F" [% _1 s3 c$ }
ability to borrow up to 75% of the equity in their homes without having 9 w( J" b5 }2 o: r8 A$ P3 l
to qualify based on their incomes. These programs were previously only , Q$ W5 S. v9 d8 a8 ~7 |
available to self-employed borrowers. Income earners had to either put
( u, a3 Y) }8 |# T$ Omore money down or pay higher rates. This will now be a mortgage based
3 z9 s. a8 E5 ]% i* |- M+ |on the equity and the rates will be fully discounted.
5 W* d* ?0 a1 gAnother product to keep an eye on is more lenders who will be combining
2 `2 B2 u) o# V" i, ~6 R5 Tthe mortgage with the line of credit and creating a 'Global borrowing
" j9 \3 n5 W$ R% Zlimit' that will be re-advanceable. More and more consumers will be
$ H2 }" s/ s' M7 j# m" {5 {0 Klooking for these kind of products for tax planning and investment
- A6 M# | f. K5 k! F% nstrategies. 2 \, q7 ?8 s2 M+ p2 B6 b# x+ C
/ y- D/ Z& V2 ^( M- x/ DAnd speaking about investors, banks are starting to recognize the
+ G3 x0 x4 v) `growing number of home owners who are buying multiple revenue properties for 1 y, f0 ?# j1 l
investments and we now have an 'Interest-Only' mortgage available for
6 P& S4 h. z% ~7 Y+ Q, Gself-employed borrowers on a 'Stated-income' basis for revenue ' D s! B/ N9 s* T& D w5 ~
properties. This marks the first time a self-employed individual can use ! `' |( ^' s n- b: h
'stated-income' to qualify for a revenue property. 4 t9 `6 x9 V$ r% V
7 }$ |7 O; V8 M4 a L# XThe interest rates will be higher for this product, but it is
$ ?; W0 o0 y! ]+ w! ]+ i H, C) i* qreflective of a growing trend towards American-Style lending practices. A prime # e) a- ]0 ~4 d: f1 E
example of an American trend influencing our banks will be longer 0 H; b. h0 h8 x* |9 ]" E, q
amortization periods. Canada has held tight on 25 year amortizations for
: B0 B( J/ G- [( F) Eyears, up until now that is. A few lenders have announced 30 year 1 N8 I$ S5 r, F+ r/ |" `+ j
amortizations on CMHC insured mortgages at fully discounted interest rates.! B( l/ _3 u8 I
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Finally, in an effort to further take your attention away from the long 6 k% s0 W& V# a% k
term rates, look for lenders to get more creative with the discounts
( A6 g' ^' Q& q1 Bthey offer on Variable Rate Mortgages. I fully expect to see stronger
3 F, I6 r" |* P7 N- K& Q4 u4 Dcompetition in the form of creative 'front-end loaded' discounts and [( v+ Z! n; m# V
teaser rates that make it more confusing to compare an apple to an apple
M5 w2 M) c8 X- B3 ~/ \1 Fwhen shopping for the best mortgage option. It's going to be another busy 2 w) E5 C" b) f7 q
spring market and consumers are going to be faced with more choices / q2 j6 Y$ H) v) p% g
than ever before. The key, like always, is to get expert advice and / a/ g) q) u6 g! w1 e% M9 K
remember you have options. |
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发表于 2006-5-7 20:26
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