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原帖由 dgg 于 2006-5-8 10:12 发表) f3 d9 K Z" e! z" e9 t
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, B" g1 v" W) s V, A1 A2 d# y谢谢，请继续。2 i: [: s4 H6 Q' l6 V
- e7 ~; h* q, U5 B$ G# a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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2 s; k4 T- }' |. ?; jThe 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
% R+ G$ o- U, q }Spring is starting to arrive. Each and every year in late February and
* x( P: j3 L0 G/ V3 Z1 ^early March, the banks start rolling out their Spring market campaign of
( S- F+ T. ~3 R; Unew products in an effort to attract new consumers. And, if early signs
% t2 i4 N* i: N; ?are any indication, we're poised for yet another busy spring. The banks
0 Y8 M1 Q4 q" }; Z1 ^" U3 qview this as the best time of year to get your attention by coming up ) p) t8 F$ p8 j" M u+ u1 K6 B; c
with new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this 1 h; ^( O" N* S) K, L
year the early theme I'm seeing is banks getting more creative in an $ F0 q9 ?' _3 t
effort to help you borrow more money. This is partly in response to growing 2 ?9 U1 z1 n- w- ~3 }0 w$ M% {
concerns about the potential of rising rates. 0 q: H' s t1 D* s6 p3 Q! W
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In an effort to take the focus away from rates, look for two lenders to / s. k H/ }$ g7 K1 f, D/ i. y! H
come out with 'True Equity' programs that will allow home buyers the 7 \$ q- p+ F4 ?- L
ability to borrow up to 75% of the equity in their homes without having , ]( Y: l/ w0 B2 ^$ m$ x
to qualify based on their incomes. These programs were previously only 1 u m, a, ?( m, j2 X
available to self-employed borrowers. Income earners had to either put
( ]1 [/ I/ t" T0 s, dmore money down or pay higher rates. This will now be a mortgage based , X N C9 R, g. ]# N( E2 i
on the equity and the rates will be fully discounted.) I+ r+ u8 a7 g0 ]8 e( F
Another product to keep an eye on is more lenders who will be combining
9 z' n+ X" p2 x4 Wthe mortgage with the line of credit and creating a 'Global borrowing $ S: r) ~2 C$ u( N9 W# ]
limit' that will be re-advanceable. More and more consumers will be
0 l" s9 B5 _* g; i% B" ]looking for these kind of products for tax planning and investment S. K3 g* q" h
strategies. $ }/ y- _; D' G7 j/ |1 n
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And speaking about investors, banks are starting to recognize the 4 X- e' Y' N0 \
growing number of home owners who are buying multiple revenue properties for
/ `* ]" p6 L+ I- ^: Pinvestments and we now have an 'Interest-Only' mortgage available for
* ]4 c4 X3 |! X( ?1 J; sself-employed borrowers on a 'Stated-income' basis for revenue / s) d. R' E' f. B9 S5 P0 L
properties. This marks the first time a self-employed individual can use 9 b/ ~# Y8 n. Y( b5 O
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 4 X9 g+ y! n6 m% T) J7 g8 j
reflective of a growing trend towards American-Style lending practices. A prime ; `+ l0 R+ u; |; H
example of an American trend influencing our banks will be longer
+ R" m( y8 \% B1 Kamortization periods. Canada has held tight on 25 year amortizations for 5 r% }! n' \+ X: j
years, up until now that is. A few lenders have announced 30 year
, d' j6 L1 ]7 V$ f/ H$ oamortizations on CMHC insured mortgages at fully discounted interest rates.: a$ f4 ^( a5 E, F8 J3 j
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Finally, in an effort to further take your attention away from the long
, X( j& p7 M" f, N) }term rates, look for lenders to get more creative with the discounts ) `0 P( Y3 b: h2 J) b
they offer on Variable Rate Mortgages. I fully expect to see stronger
; E, I4 K3 K7 e% r; M6 ]! o1 zcompetition in the form of creative 'front-end loaded' discounts and
4 ~0 g1 r" p, y9 ]$ a2 h# kteaser rates that make it more confusing to compare an apple to an apple + p1 { j- }0 j1 x; P9 }
when shopping for the best mortgage option. It's going to be another busy ) x ]9 G3 }& U) ~6 h b
spring market and consumers are going to be faced with more choices
8 j% y8 S( \+ ethan ever before. The key, like always, is to get expert advice and $ k: g# Q' A4 t( E5 T/ s! _7 ~1 S
remember you have options. |
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发表于 2006-5-7 20:26
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