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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。 P; j5 l; Z3 m1 {
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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。
5 A* ]3 r2 D" m4 H @) a9 GThe following article is written by Peter Kinch.
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2 \6 Z0 [; E. O- R1 ?( X3 K* ?Spring Is In The Air! In some markets in Canada it may feel like
( [. W1 W7 _' t9 z. z" A) L6 _% @Spring is starting to arrive. Each and every year in late February and
& H! w+ A( A: w5 O# Iearly March, the banks start rolling out their Spring market campaign of 1 u0 j9 k# [" G- i) b6 H
new products in an effort to attract new consumers. And, if early signs \- O( ?# ^9 Y( \- q' j6 |
are any indication, we're poised for yet another busy spring. The banks
% y5 e( S! B3 M2 L4 Q: X' |9 xview this as the best time of year to get your attention by coming up 5 h- k G. d$ D9 z! i
with new products or simply putting twists on old ideas.
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# a# w8 M% M; {9 G7 ^Over the next few weeks we'll see a variety of new products and this
1 s* D# t# E' u) O8 n# Hyear the early theme I'm seeing is banks getting more creative in an
8 F2 k Y5 {+ T5 d% N; ueffort to help you borrow more money. This is partly in response to growing 2 Z8 N0 z. I8 }
concerns 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
) K) n7 E" P2 |8 l/ acome out with 'True Equity' programs that will allow home buyers the
3 U5 y( G* k% I b% d6 Eability to borrow up to 75% of the equity in their homes without having
# V+ C! n$ S. B5 Cto qualify based on their incomes. These programs were previously only
2 K5 r( S* H4 Q& b( Davailable to self-employed borrowers. Income earners had to either put , E. e- H' ~/ S5 b- H. ~9 N5 G! r
more money down or pay higher rates. This will now be a mortgage based
. O2 A) U( r, _# l; H+ B* s; ]# jon the equity and the rates will be fully discounted.
Z/ U! C( B" L; v4 \6 y( BAnother product to keep an eye on is more lenders who will be combining
' `: v* _& `: a' ?1 h, Qthe mortgage with the line of credit and creating a 'Global borrowing
* v9 x) G/ Y' n; c1 E$ m. Alimit' that will be re-advanceable. More and more consumers will be 7 m% K2 ~6 i1 x# |3 k9 u) g
looking for these kind of products for tax planning and investment
^' g% V, m0 [. Lstrategies. ( }2 d% c Y! Z
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And speaking about investors, banks are starting to recognize the : U+ w9 G) p3 W( v1 y& f. S+ r
growing number of home owners who are buying multiple revenue properties for " O3 o' T, v( O5 F) D, z1 d
investments and we now have an 'Interest-Only' mortgage available for
1 X3 A1 T: E# L5 Q' Hself-employed borrowers on a 'Stated-income' basis for revenue
# F( G* A5 `% g& e; l# oproperties. This marks the first time a self-employed individual can use
5 U4 S7 y4 Y8 A3 X7 G% \'stated-income' to qualify for a revenue property.
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: `2 ]" e0 v ?" P6 Q. vThe interest rates will be higher for this product, but it is , f. k Z9 F- c$ T1 H
reflective of a growing trend towards American-Style lending practices. A prime 9 ^9 P. A; m: M7 s0 l9 j
example of an American trend influencing our banks will be longer 4 T" Y7 @( J" Y* F' n
amortization periods. Canada has held tight on 25 year amortizations for
% L/ I6 f' ^$ [' f8 E) x5 [) }years, up until now that is. A few lenders have announced 30 year
U; Z8 s7 R; C' }* l: F Uamortizations on CMHC insured mortgages at fully discounted interest rates.- Y% y5 `' f8 v) G
: V4 T9 n& h: {+ m- VFinally, in an effort to further take your attention away from the long . `) Q; u. u8 v# i2 k4 j2 F
term rates, look for lenders to get more creative with the discounts ' K( w( o7 O" O; H) A1 k% T
they offer on Variable Rate Mortgages. I fully expect to see stronger 2 Z: i1 p9 p. A$ Z0 f
competition in the form of creative 'front-end loaded' discounts and
. l) s; }" V; E* jteaser rates that make it more confusing to compare an apple to an apple
6 [4 @ a- M gwhen shopping for the best mortgage option. It's going to be another busy ) h" a" q4 l" j5 ~9 ?! g, a" j
spring market and consumers are going to be faced with more choices
* C, b+ E" L8 o$ |7 Y9 b+ ]4 e$ Qthan ever before. The key, like always, is to get expert advice and ; b' S/ V6 n+ x
remember you have options. |
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发表于 2006-5-7 20:26
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