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原帖由 dgg 于 2006-5-8 10:12 发表% f7 j* S- ~% K# j6 N. d& l* F) \5 h
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' R" L# N h9 F1 |5 `4 ~谢谢，请继续。$ Y$ e7 o) u# `" ~) G( t3 o8 e
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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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The following article is written by Peter Kinch.) Y8 b! e6 j" E
! y b9 q& W- D$ O R' X1 ?. oSpring Is In The Air! In some markets in Canada it may feel like
' Q. ` g2 W: f6 Z# y( y. OSpring is starting to arrive. Each and every year in late February and
0 B, V- d* Y! s1 @8 t2 b; aearly March, the banks start rolling out their Spring market campaign of
7 b/ I6 `0 U" r9 cnew products in an effort to attract new consumers. And, if early signs
* j }& Z7 Z7 W; T- W# vare any indication, we're poised for yet another busy spring. The banks * `/ Z/ C7 L7 g2 C( C( h
view this as the best time of year to get your attention by coming up
\) r' _* H' Q) ^% z' d- a: jwith 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
5 V @$ ^4 B, Y7 @% |year the early theme I'm seeing is banks getting more creative in an * R$ m! S/ g2 j$ u
effort to help you borrow more money. This is partly in response to growing # C6 Z' u6 e7 o3 Y# J, @! {
concerns about the potential of rising rates.
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; Z9 h; u( I( z+ TIn an effort to take the focus away from rates, look for two lenders to
) [* e4 D/ |8 g) J9 J+ S7 f6 G. ccome out with 'True Equity' programs that will allow home buyers the
7 Q6 n2 r( C7 r& x- ^ability to borrow up to 75% of the equity in their homes without having
% H4 N5 D2 ^5 P2 [7 A: y9 [to qualify based on their incomes. These programs were previously only 6 R: {" |# B! H/ ?. I- n
available to self-employed borrowers. Income earners had to either put
- V8 s4 e7 ]- Z: ?) P7 O' S' L1 ymore money down or pay higher rates. This will now be a mortgage based
I5 }. n( T- f' A* L) `4 z* ~on the equity and the rates will be fully discounted.
- J& d/ Q1 T% @: A: L/ f/ `Another product to keep an eye on is more lenders who will be combining
9 q9 |2 N3 D0 |9 |# uthe mortgage with the line of credit and creating a 'Global borrowing
& u S. Z2 T3 n7 O& S+ \2 O4 _limit' that will be re-advanceable. More and more consumers will be , F l+ v. g, k) q
looking for these kind of products for tax planning and investment
( S, D$ J+ ]* Vstrategies. , Z- N7 m/ p4 A! h: X
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And speaking about investors, banks are starting to recognize the
+ k* @; u' I$ Z1 n3 u" Ggrowing number of home owners who are buying multiple revenue properties for
' F% e# ~: r- ginvestments and we now have an 'Interest-Only' mortgage available for 2 T' [- }" i- u4 M
self-employed borrowers on a 'Stated-income' basis for revenue . e3 R# J4 \' _$ ]
properties. This marks the first time a self-employed individual can use
/ @* O/ S5 u. S1 {& I3 \# \1 u'stated-income' to qualify for a revenue property. 2 ?5 y6 O: _: I6 c, e& Q2 [
- ^7 \7 n; M9 S: h1 ^The interest rates will be higher for this product, but it is
* E; u/ J4 I3 F! Y2 b! Vreflective of a growing trend towards American-Style lending practices. A prime
- m/ x9 _+ `/ E- Aexample of an American trend influencing our banks will be longer , o+ i6 H/ r# z3 w& e, K
amortization periods. Canada has held tight on 25 year amortizations for
# {- g! d2 L! L( Gyears, up until now that is. A few lenders have announced 30 year , H+ o3 T) ~- I. C+ O7 `2 W( f
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 1 ?3 Q9 x4 u z% G+ B1 U( {
term rates, look for lenders to get more creative with the discounts + M; y4 W8 |* x8 _: K
they offer on Variable Rate Mortgages. I fully expect to see stronger
- k0 S4 O3 r& p# Wcompetition in the form of creative 'front-end loaded' discounts and
+ Z% b' I9 y Wteaser rates that make it more confusing to compare an apple to an apple
( l: E9 E2 a/ Vwhen shopping for the best mortgage option. It's going to be another busy 1 J) z+ M$ F% k
spring market and consumers are going to be faced with more choices
1 N r0 B1 x9 v1 ~than ever before. The key, like always, is to get expert advice and . d4 | R' ^$ w6 R8 ]6 j3 o6 S
remember you have options. |
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发表于 2006-5-7 20:26
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