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原帖由 dgg 于 2006-5-8 10:12 发表2 q+ J# {7 G) L9 ?8 _; c
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谢谢，请继续。
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/ s1 P# ]/ @- |: A. T# e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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9 ^# S+ q3 i! |Spring Is In The Air! In some markets in Canada it may feel like % c. j H/ E# x4 \
Spring is starting to arrive. Each and every year in late February and ; ^3 {8 p' {. j/ r2 ^' o: ]+ a
early March, the banks start rolling out their Spring market campaign of
& U9 U t% f; e, R5 |" U: f6 Vnew products in an effort to attract new consumers. And, if early signs ' S# h4 y& P6 U( s) y
are any indication, we're poised for yet another busy spring. The banks - b4 O) o9 @2 E% E- [( _
view this as the best time of year to get your attention by coming up 5 G |- s }2 X) l
with new products or simply putting twists on old ideas. 0 l9 k! R5 D8 y' A8 A+ E2 O$ ^
, `7 Y" V3 [' E0 H; ]6 M$ Q9 aOver the next few weeks we'll see a variety of new products and this 7 K) ?0 H' }7 A1 X0 v6 o
year the early theme I'm seeing is banks getting more creative in an
2 Q! h* _4 l/ a* [5 aeffort to help you borrow more money. This is partly in response to growing , J+ n/ g' ^; M/ V5 ?0 A d+ ^
concerns about the potential of rising rates. 1 ]" G" h$ P! I- C8 d& k% T1 t
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In an effort to take the focus away from rates, look for two lenders to
% K3 {& w) V. Ncome out with 'True Equity' programs that will allow home buyers the $ _4 \/ k2 o' i, `9 a1 ^$ a
ability to borrow up to 75% of the equity in their homes without having 6 l4 Z( B$ x# |
to qualify based on their incomes. These programs were previously only x" p7 M; h$ x3 w8 B' }
available to self-employed borrowers. Income earners had to either put 4 y9 n( _4 f+ T1 U e: @/ W6 T
more money down or pay higher rates. This will now be a mortgage based
+ F: I% u Y8 d( u0 Gon the equity and the rates will be fully discounted.
3 a& O5 k" Z" ~6 p5 w9 AAnother product to keep an eye on is more lenders who will be combining B# q% {* s0 p( s
the mortgage with the line of credit and creating a 'Global borrowing
8 d2 g9 ?" N5 Climit' that will be re-advanceable. More and more consumers will be , @ B6 h2 p7 O( ^
looking for these kind of products for tax planning and investment 4 @" ?5 F- W3 S8 [; D9 V, i
strategies.
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And speaking about investors, banks are starting to recognize the 4 O4 C# B% |6 D; K- W f* @
growing number of home owners who are buying multiple revenue properties for e& y. n. O4 { ^, z5 r; I. I, B
investments and we now have an 'Interest-Only' mortgage available for $ Y+ V" z" F* R) `
self-employed borrowers on a 'Stated-income' basis for revenue * y- \$ O |+ ?
properties. This marks the first time a self-employed individual can use
# l- M- O7 u9 V' y- ?* A' n. t9 A'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
/ {* X8 L, k( R1 b4 T$ freflective of a growing trend towards American-Style lending practices. A prime
# I$ V* @3 V, n0 r! I: fexample of an American trend influencing our banks will be longer
# p/ ~3 F) w4 I' f' {2 camortization periods. Canada has held tight on 25 year amortizations for 7 O+ a- B: B. A W
years, up until now that is. A few lenders have announced 30 year
% S2 o: ?5 i$ x% f4 u' o& K/ I2 Gamortizations 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
; h: _6 q7 ^6 K5 E5 @8 d6 iterm rates, look for lenders to get more creative with the discounts 4 m$ B2 n l/ @& \. F0 M
they offer on Variable Rate Mortgages. I fully expect to see stronger
* J8 ]0 b- ~$ F/ scompetition in the form of creative 'front-end loaded' discounts and * A1 b4 e3 b9 \! }0 v
teaser rates that make it more confusing to compare an apple to an apple
+ G0 G9 _7 t/ U' T& w& i. j+ k9 Owhen shopping for the best mortgage option. It's going to be another busy
2 [5 n; E; U4 `" `+ ~spring market and consumers are going to be faced with more choices + P5 V, Z9 }7 U" h+ h( a; r
than ever before. The key, like always, is to get expert advice and & [* ]6 d- u$ c& R# S( g( o6 `
remember you have options. |
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