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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。
: E3 ?0 H p' q( e$ qThe following article is written by Peter Kinch.( l9 Q! V1 @; p! p* Z/ J) T
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Spring Is In The Air! In some markets in Canada it may feel like
+ `0 V l: |2 T+ p4 FSpring is starting to arrive. Each and every year in late February and + q ]0 I- X$ w, r; u8 V; _0 k
early March, the banks start rolling out their Spring market campaign of
4 m' `2 g4 j6 H+ C- e9 Y8 m; c2 qnew products in an effort to attract new consumers. And, if early signs 0 y- x7 o4 y( @: ?8 `4 r
are any indication, we're poised for yet another busy spring. The banks
" c! f# V9 g5 L" Rview this as the best time of year to get your attention by coming up 2 e! i- @& l; l; s/ \/ i
with new products or simply putting twists on old ideas.
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* N% r# j3 c& L: p! ?, eOver the next few weeks we'll see a variety of new products and this * M7 A8 A: L+ H5 W% J8 ^
year the early theme I'm seeing is banks getting more creative in an
' f0 b% x) l' k) P- Feffort to help you borrow more money. This is partly in response to growing
3 }. W6 R9 D& f, R2 Y9 Sconcerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
) D$ c* \) i8 ^6 J g0 J/ B1 F" }come out with 'True Equity' programs that will allow home buyers the
- e9 {6 S( Q8 z( \ability to borrow up to 75% of the equity in their homes without having 9 H3 z6 R2 b1 D2 ?# F
to qualify based on their incomes. These programs were previously only
# w* H5 |8 Y$ d; Aavailable to self-employed borrowers. Income earners had to either put
* A' f$ `, m ~/ gmore money down or pay higher rates. This will now be a mortgage based
3 D9 [7 |+ {. o, Oon the equity and the rates will be fully discounted./ }/ h6 C* V. t
Another product to keep an eye on is more lenders who will be combining 2 H$ Z) c* {2 U' f! l% k
the mortgage with the line of credit and creating a 'Global borrowing
3 s( i0 @0 M0 Y+ Flimit' that will be re-advanceable. More and more consumers will be
' C6 ~; R- \1 ]2 Q( E \6 A& blooking for these kind of products for tax planning and investment
) H4 v5 _0 L: T$ x9 P, [. `4 gstrategies.
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And speaking about investors, banks are starting to recognize the 7 R; N7 C+ }! H3 i+ {
growing number of home owners who are buying multiple revenue properties for 0 w3 p# s. @+ Z) E# D7 n, T d
investments and we now have an 'Interest-Only' mortgage available for 0 Z# T) u* v; V! s
self-employed borrowers on a 'Stated-income' basis for revenue : X. _3 l6 l, R' S2 N$ L5 H
properties. This marks the first time a self-employed individual can use
/ P# \7 m% x# y7 O0 G'stated-income' to qualify for a revenue property. , ~2 Q1 k3 `+ }
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The interest rates will be higher for this product, but it is
# g1 n- S6 u' [reflective of a growing trend towards American-Style lending practices. A prime
2 x3 n) h) ~% b& x) B a2 Nexample of an American trend influencing our banks will be longer
2 f* v9 w7 ^6 n, x" n" A7 M1 Z( z9 Iamortization periods. Canada has held tight on 25 year amortizations for ! e1 w4 O7 Q# o
years, up until now that is. A few lenders have announced 30 year 7 A' H2 z8 Q; w3 ^( H1 R0 I' l
amortizations on CMHC insured mortgages at fully discounted interest rates." C( `1 h, d7 e( ]6 p' \- j
9 l; d s% p2 R1 F8 f/ bFinally, in an effort to further take your attention away from the long
9 L" ?, |& g( Rterm rates, look for lenders to get more creative with the discounts 4 w/ s7 F5 N- o7 X' A
they offer on Variable Rate Mortgages. I fully expect to see stronger
2 N9 i, T% O4 u- v& e( \- V# H6 qcompetition in the form of creative 'front-end loaded' discounts and
3 n3 K1 Q, r' t/ K Kteaser rates that make it more confusing to compare an apple to an apple
R+ G* ]/ O- \0 [when shopping for the best mortgage option. It's going to be another busy ! @8 {/ g2 Q% D" N- ^
spring market and consumers are going to be faced with more choices # j& ^8 w: ?- f, z8 L" X, M& z, H
than ever before. The key, like always, is to get expert advice and
* |: L3 f2 d* X5 ]& dremember you have options. |
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发表于 2006-5-7 20:26
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