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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。4 P- J) }; o: Z& W: C' H1 K
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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.
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Spring Is In The Air! In some markets in Canada it may feel like
1 ]+ o. {: f) ySpring is starting to arrive. Each and every year in late February and
4 K: y, r4 f+ E: T# Y5 Searly March, the banks start rolling out their Spring market campaign of & ]7 m y5 w* X3 D6 `
new products in an effort to attract new consumers. And, if early signs 3 I6 ~5 O) p# E7 }
are any indication, we're poised for yet another busy spring. The banks
, i) x. E- S9 xview this as the best time of year to get your attention by coming up
$ z+ ^/ b. }/ ^* Z' |5 nwith new products or simply putting twists on old ideas. , t" ]/ G! V4 |! g7 q
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Over the next few weeks we'll see a variety of new products and this . M9 }) I; f0 g- ?) P3 K' x
year the early theme I'm seeing is banks getting more creative in an
3 {9 J/ l) ~8 q4 j3 Y" y* r- neffort to help you borrow more money. This is partly in response to growing
9 J7 V" f7 g O) b4 iconcerns about the potential of rising rates.
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, a4 {5 v, ~9 ]+ rIn an effort to take the focus away from rates, look for two lenders to
8 A" k( t9 I- O& t% A6 z bcome out with 'True Equity' programs that will allow home buyers the 6 z$ v( q$ v: h# O# h$ X
ability to borrow up to 75% of the equity in their homes without having
( A" a9 C9 a9 m$ G6 R yto qualify based on their incomes. These programs were previously only
8 ~$ k7 p$ f4 e Y: G5 \available to self-employed borrowers. Income earners had to either put
3 J: G; ^2 z6 ~) G5 hmore money down or pay higher rates. This will now be a mortgage based - ?- w0 L# H1 I; `5 W; f& v% ?, u
on the equity and the rates will be fully discounted.
% L4 w6 ?# p/ l7 X$ tAnother product to keep an eye on is more lenders who will be combining ( V$ U$ U9 s+ X q$ \
the mortgage with the line of credit and creating a 'Global borrowing & T& A$ O2 }/ A# a7 j: U
limit' that will be re-advanceable. More and more consumers will be
8 T) t7 O# W2 @looking for these kind of products for tax planning and investment
9 R! `: O8 w4 F) y- t" R0 u$ astrategies. ) k) R* l" Y3 K8 d
! Y5 K0 B2 o2 z; @: Q- y" ?And speaking about investors, banks are starting to recognize the
6 X8 x4 M' [9 p9 pgrowing number of home owners who are buying multiple revenue properties for
( U$ r& `5 K( q( B# ~ a. L; I* ainvestments and we now have an 'Interest-Only' mortgage available for 2 g; a% ]. x2 j) c
self-employed borrowers on a 'Stated-income' basis for revenue 4 B0 \: [! b# Q ?
properties. This marks the first time a self-employed individual can use
$ Q V" D# k& T; |; F+ y'stated-income' to qualify for a revenue property. . s. n# O! M/ x5 G& F; J' n! M! c
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The interest rates will be higher for this product, but it is
' o# l0 s4 T, G7 }reflective of a growing trend towards American-Style lending practices. A prime ' Q9 o( F! j, W$ s; s
example of an American trend influencing our banks will be longer
- n0 c& Q3 h, Z/ i4 x$ n" {amortization periods. Canada has held tight on 25 year amortizations for 6 b9 ^1 n9 i6 C$ V2 l$ s! N! Q7 E
years, up until now that is. A few lenders have announced 30 year
/ Y g G9 x& f: D: Wamortizations 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
3 g4 J! c# S; p* e/ _. c% N1 C( D' Bterm rates, look for lenders to get more creative with the discounts
6 P8 A4 Q$ o9 mthey offer on Variable Rate Mortgages. I fully expect to see stronger
5 b) v9 E$ ^$ g% N, g! Q! I1 ocompetition in the form of creative 'front-end loaded' discounts and
! f+ S, `8 \; O, I5 q8 G# zteaser rates that make it more confusing to compare an apple to an apple
/ ?2 k4 B6 \& H# ?when shopping for the best mortgage option. It's going to be another busy
( u' R# Z% g4 Pspring market and consumers are going to be faced with more choices - L8 t; u. p T- r; s* F ?
than ever before. The key, like always, is to get expert advice and ( N. I M* E6 ^$ X- ~& [
remember you have options. |
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发表于 2006-5-7 20:26
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