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原帖由 dgg 于 2006-5-8 10:12 发表
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s2 u) r+ a% T1 G4 t. R7 y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。
) O1 l5 J6 ^" ?) `. q, W6 a3 U% T6 C. ]The 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
. |; M& y6 u* ?7 I. pSpring is starting to arrive. Each and every year in late February and
3 ^0 Z5 K; `0 w. P8 learly March, the banks start rolling out their Spring market campaign of
0 L7 _$ L9 q \" `: Pnew products in an effort to attract new consumers. And, if early signs $ p6 |# q% G/ M
are any indication, we're poised for yet another busy spring. The banks
8 D$ u; X6 a; n5 s/ ]4 A' ^view this as the best time of year to get your attention by coming up
2 Q+ l5 w) e! B2 V# d8 {with new products or simply putting twists on old ideas.
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u$ B: o* L- A0 D _/ \8 ^" OOver the next few weeks we'll see a variety of new products and this
" f0 d5 B& N6 ^% w9 w. U) Oyear the early theme I'm seeing is banks getting more creative in an
- T5 f# J- f9 keffort to help you borrow more money. This is partly in response to growing
" r* T$ E U. j5 I0 oconcerns about the potential of rising rates. ! c3 C; V4 |/ B: m3 P
& F- l( H6 ~2 ^' |9 ZIn an effort to take the focus away from rates, look for two lenders to 8 `: U0 B/ e3 K5 w8 }
come out with 'True Equity' programs that will allow home buyers the Z3 U$ e) {0 C+ f. z- O- Q
ability to borrow up to 75% of the equity in their homes without having
7 C% b0 ], |* Q. T& l# @3 G3 m X- Pto qualify based on their incomes. These programs were previously only
, I+ {3 e1 P5 {& F2 Vavailable to self-employed borrowers. Income earners had to either put 7 J6 E2 }, Y9 t& L% r/ B( E, Z
more money down or pay higher rates. This will now be a mortgage based / N% j" y) R& E% r2 O
on the equity and the rates will be fully discounted.& g( ?# q$ d9 x# o3 f- c8 j
Another product to keep an eye on is more lenders who will be combining
! E. D1 |9 G/ l& ethe mortgage with the line of credit and creating a 'Global borrowing . e. C, c$ }1 @( j0 v. }
limit' that will be re-advanceable. More and more consumers will be : l8 I1 b+ f/ _1 G1 S
looking for these kind of products for tax planning and investment
) v$ P5 Q4 N& Z5 C5 T& _! ?: Jstrategies.
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And speaking about investors, banks are starting to recognize the - e7 y% \# E0 Z' a# Z
growing number of home owners who are buying multiple revenue properties for 6 ]; S8 h @8 q4 \5 q
investments and we now have an 'Interest-Only' mortgage available for 1 A8 y. g' n% r9 H0 q& T
self-employed borrowers on a 'Stated-income' basis for revenue
$ P+ J5 `1 M" ]8 wproperties. This marks the first time a self-employed individual can use 2 Y, M- K! L* t. U6 q
'stated-income' to qualify for a revenue property. 7 h8 I, @3 @0 \8 J* r: F" c
( E6 e6 k1 p5 @! y& u- O4 ZThe interest rates will be higher for this product, but it is
d( G- N& m, u* Dreflective of a growing trend towards American-Style lending practices. A prime 5 \! |' @ a0 ^9 l3 r, r
example of an American trend influencing our banks will be longer * o. w6 M& P; c( i$ W+ H
amortization periods. Canada has held tight on 25 year amortizations for
! O3 |, x9 a! ]1 Yyears, up until now that is. A few lenders have announced 30 year " }/ J' i; d2 l: I# A
amortizations on CMHC insured mortgages at fully discounted interest rates.3 v, ?- v9 [& C6 S, K( D
" \7 b6 _, i9 |4 ^ `" MFinally, in an effort to further take your attention away from the long 8 u& r4 f5 w2 i& r: p( o
term rates, look for lenders to get more creative with the discounts
5 Q& X; w* a+ l3 D! @they offer on Variable Rate Mortgages. I fully expect to see stronger ( D) x$ u3 l1 d/ U8 @# F
competition in the form of creative 'front-end loaded' discounts and & t: {* e2 e1 A: J3 ~( E! e
teaser rates that make it more confusing to compare an apple to an apple
! [- u2 U/ L5 y0 U+ t6 vwhen shopping for the best mortgage option. It's going to be another busy
& Q' `1 Y p. h# j t3 N4 espring market and consumers are going to be faced with more choices ! R( B) o2 m1 E
than ever before. The key, like always, is to get expert advice and
K+ _! T# o6 l" {/ B9 gremember you have options. |
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