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原帖由 dgg 于 2006-5-8 10:12 发表
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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。
: I A3 P4 H D5 Z8 y! p4 _( _9 H0 iThe following article is written by Peter Kinch.
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3 ]! i4 D) i k( h9 e6 pSpring Is In The Air! In some markets in Canada it may feel like F# U+ y9 b) l; J
Spring is starting to arrive. Each and every year in late February and
8 Q' [2 o5 i5 ^1 t7 ~) @' L2 {early March, the banks start rolling out their Spring market campaign of
u% }. V) |! X5 `new products in an effort to attract new consumers. And, if early signs
+ e _& q/ ~ u7 Z& |are any indication, we're poised for yet another busy spring. The banks
" D3 i E! w0 S9 Pview this as the best time of year to get your attention by coming up . S% Z/ L. o9 l. K& ?; C4 e
with new products or simply putting twists on old ideas.
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) {+ y/ b! G7 F; k( W' u- S. EOver the next few weeks we'll see a variety of new products and this $ C( B- K! n x$ z+ O* a
year the early theme I'm seeing is banks getting more creative in an : C0 o# l" o# O9 F
effort to help you borrow more money. This is partly in response to growing
/ j- S% x3 Y8 Z& _/ sconcerns about the potential of rising rates.
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4 N1 U8 y3 @ w J) R; r5 |0 KIn an effort to take the focus away from rates, look for two lenders to ' y! c9 _/ j+ Y1 U* }# V G
come out with 'True Equity' programs that will allow home buyers the 6 T; d5 Q$ c" v8 |
ability to borrow up to 75% of the equity in their homes without having
. Z1 z# L( ]1 e# g3 _0 ^to qualify based on their incomes. These programs were previously only
0 o2 J+ N1 Y6 F+ Wavailable to self-employed borrowers. Income earners had to either put ) t' g; \% E6 m6 _1 B1 A
more money down or pay higher rates. This will now be a mortgage based % }& W g5 V T9 f; Y- q# y9 c# d
on the equity and the rates will be fully discounted.
8 [9 A/ M2 x+ s0 ]4 t" @Another product to keep an eye on is more lenders who will be combining % u; ]2 }8 B- c. b
the mortgage with the line of credit and creating a 'Global borrowing
( N6 x$ J2 @$ e+ j# G* plimit' that will be re-advanceable. More and more consumers will be
" I5 s2 m: G# A: q& U; I1 N: Llooking for these kind of products for tax planning and investment
. B- @. g3 N7 P2 m( Rstrategies.
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And speaking about investors, banks are starting to recognize the
2 W" ~7 W5 \2 z* Y, ngrowing number of home owners who are buying multiple revenue properties for ( T& @" x1 @) |7 N, L! _( V5 u
investments and we now have an 'Interest-Only' mortgage available for
% ^8 S- |( A, H& g8 ]% n( N$ lself-employed borrowers on a 'Stated-income' basis for revenue 7 e5 D1 Z$ ~4 t9 o3 m- h* s8 D/ O
properties. This marks the first time a self-employed individual can use . a" \3 _6 R; M- X' b N- U
'stated-income' to qualify for a revenue property. : A3 @, X0 z% x
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The interest rates will be higher for this product, but it is
" K7 s, V1 S0 j, A# d- D Ireflective of a growing trend towards American-Style lending practices. A prime 0 z0 w1 Q0 k( s" ^/ K- ]
example of an American trend influencing our banks will be longer 5 ^+ @# w9 _ V; h K
amortization periods. Canada has held tight on 25 year amortizations for
0 ^( X4 u8 s3 I, Qyears, up until now that is. A few lenders have announced 30 year % z- t6 s) C. v& {3 z
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
9 @4 o$ Q' f4 h9 v* [4 y& mterm rates, look for lenders to get more creative with the discounts 9 f3 o5 J! i3 g
they offer on Variable Rate Mortgages. I fully expect to see stronger
$ B/ p1 R% [3 Ncompetition in the form of creative 'front-end loaded' discounts and
$ M) e6 O. _7 s1 G$ O. }! H" y, |teaser rates that make it more confusing to compare an apple to an apple 3 [$ L5 F% J* J$ B' p
when shopping for the best mortgage option. It's going to be another busy
2 m/ A) O3 u5 F5 `5 a/ m5 {spring market and consumers are going to be faced with more choices , [& i( E/ W+ d. X( t
than ever before. The key, like always, is to get expert advice and / ~/ @. x- j' A9 h4 `
remember you have options. |
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发表于 2006-5-7 20:26
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