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原帖由 dgg 于 2006-5-8 10:12 发表 f& n% M! l( S! `$ z1 j }. b
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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。
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: m" `/ J+ \; o1 ~The following article is written by Peter Kinch., O* ?! b% u5 C! u2 D5 D d
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Spring Is In The Air! In some markets in Canada it may feel like 5 H9 C+ ~7 g) K
Spring is starting to arrive. Each and every year in late February and " c+ W7 M! E. X, |; S- D
early March, the banks start rolling out their Spring market campaign of
; S( D, U4 L' p: z8 \new products in an effort to attract new consumers. And, if early signs , c0 \; f, ^+ r
are any indication, we're poised for yet another busy spring. The banks
0 }# ]: G2 x, c. U6 w: S2 ^view this as the best time of year to get your attention by coming up
4 V) a* ?0 ]. a4 {4 D/ y* Jwith new products or simply putting twists on old ideas. # a1 c4 K5 `8 Z; r a
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Over the next few weeks we'll see a variety of new products and this / L f' v) L/ j5 n/ p
year the early theme I'm seeing is banks getting more creative in an ( \: o: Y: G. i# p/ J
effort to help you borrow more money. This is partly in response to growing
9 ^- n A2 g# Wconcerns about the potential of rising rates. 8 R- s. l% y& |4 A9 R( P
' M$ d- r! H% H# j. H" \In an effort to take the focus away from rates, look for two lenders to 2 A7 S$ z2 T+ E" W9 K
come out with 'True Equity' programs that will allow home buyers the
, Y+ g+ d$ z; u2 a: @: P8 Gability to borrow up to 75% of the equity in their homes without having / @9 G- L& J5 o+ o
to qualify based on their incomes. These programs were previously only , N. z+ S# g9 E3 o7 w ^
available to self-employed borrowers. Income earners had to either put
/ \- | ~3 H3 G0 dmore money down or pay higher rates. This will now be a mortgage based 3 ?$ i/ p, i. q! C, ], v Z7 s) G
on the equity and the rates will be fully discounted.
! |6 {) f4 Q/ E6 F) i gAnother product to keep an eye on is more lenders who will be combining * c2 K4 k" ~! c; Z! r: t" Z
the mortgage with the line of credit and creating a 'Global borrowing
8 x0 H& H) W8 S: @; x7 dlimit' that will be re-advanceable. More and more consumers will be
' W3 I4 v3 s6 H! nlooking for these kind of products for tax planning and investment
9 }) Z& U3 U; |8 w: v2 D, ]strategies. 8 z/ }& @( B6 S$ \
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And speaking about investors, banks are starting to recognize the
0 O# r* [, j' v. O. Hgrowing number of home owners who are buying multiple revenue properties for
. j/ q/ S1 X N; E/ A! Y! I3 Oinvestments and we now have an 'Interest-Only' mortgage available for * u `8 q+ X/ x e. T: @
self-employed borrowers on a 'Stated-income' basis for revenue
4 E1 P, t0 r4 N6 e! u+ dproperties. This marks the first time a self-employed individual can use 0 J& ?2 p ]0 }! @0 H. Z# N
'stated-income' to qualify for a revenue property. & ]+ o" H0 h5 w1 t" m' d R; b1 Y! I
. \% C) m& X6 G6 q( QThe interest rates will be higher for this product, but it is
3 A' ?, A3 K5 G, ^8 p0 w" i7 sreflective of a growing trend towards American-Style lending practices. A prime
2 m3 T8 s$ M9 ]& C' R2 Wexample of an American trend influencing our banks will be longer 1 M! `" X% H# W; R
amortization periods. Canada has held tight on 25 year amortizations for
$ |4 d9 r9 m1 ryears, up until now that is. A few lenders have announced 30 year 7 r; }( ?0 B% @: u: j" b7 C P
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 4 r% q1 _- Q5 ?" f' [* v8 ]* t2 b
term rates, look for lenders to get more creative with the discounts
! Z @# d8 K% i k9 zthey offer on Variable Rate Mortgages. I fully expect to see stronger " e, b, s+ k1 S9 t
competition in the form of creative 'front-end loaded' discounts and $ K g9 {- ^3 ]& K, W: g
teaser rates that make it more confusing to compare an apple to an apple
6 Y" `) B6 A+ z5 I; l+ ]when shopping for the best mortgage option. It's going to be another busy
2 q+ F/ ^: O9 I% n& }: sspring market and consumers are going to be faced with more choices
; N; i- }3 b% E. Athan ever before. The key, like always, is to get expert advice and
3 B& M& m% ]0 r9 e% j8 H3 c. }remember you have options. |
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发表于 2006-5-7 20:26
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