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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。
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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。
" x( B) Q% _( I0 n( GThe following article is written by Peter Kinch." Y5 v" a/ ?. I6 q: ^7 v
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Spring Is In The Air! In some markets in Canada it may feel like
+ C* i0 O. [! X+ z- G! g4 vSpring is starting to arrive. Each and every year in late February and
* e- v( [" |2 h! |# Y- y% @early March, the banks start rolling out their Spring market campaign of + q8 W: g7 |6 u* }
new products in an effort to attract new consumers. And, if early signs 4 h, r) o, X; ^5 L" u
are any indication, we're poised for yet another busy spring. The banks * J; _! Z+ f M4 x+ A
view this as the best time of year to get your attention by coming up
) _ A. \; `7 K$ O; xwith new products or simply putting twists on old ideas. - i) }2 v/ o; F# ~9 @8 n8 \0 ~
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Over the next few weeks we'll see a variety of new products and this
% G. k" p" ?, ?8 u5 U, xyear the early theme I'm seeing is banks getting more creative in an r! G: o0 h# f
effort to help you borrow more money. This is partly in response to growing 7 l5 B" @$ v j: ]2 q. h
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 6 E& [& t! s7 J2 s" Y
come out with 'True Equity' programs that will allow home buyers the % x6 ?3 C P; B3 ^6 G) a/ c
ability to borrow up to 75% of the equity in their homes without having
! }0 J& {" a$ W4 B! t, Kto qualify based on their incomes. These programs were previously only 9 O5 l0 H3 ]1 K/ G5 T9 _
available to self-employed borrowers. Income earners had to either put $ K9 Z) u% U$ F: x% U
more money down or pay higher rates. This will now be a mortgage based
: x" x& L; f1 |6 \+ Y6 son the equity and the rates will be fully discounted.2 b# ]( F! A* b' k( ?1 A* i
Another product to keep an eye on is more lenders who will be combining 5 S4 V2 y1 X; ~ `
the mortgage with the line of credit and creating a 'Global borrowing
8 W D9 y) M! X4 L; x( Slimit' that will be re-advanceable. More and more consumers will be 4 j D% R1 o3 T3 Y% V7 d
looking for these kind of products for tax planning and investment
& |. t) `4 L% _3 k4 `$ n0 Gstrategies. * R0 ~1 r; `* X6 p: j4 D
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And speaking about investors, banks are starting to recognize the
3 g5 A+ y8 Q/ l0 T* mgrowing number of home owners who are buying multiple revenue properties for
, r. Y0 {# i$ C [' Dinvestments and we now have an 'Interest-Only' mortgage available for e* u. U& D8 A( p& R; `- P
self-employed borrowers on a 'Stated-income' basis for revenue
- A+ w( f6 }# f; B# t' Lproperties. This marks the first time a self-employed individual can use * B4 a3 R1 b+ O. ^0 k
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
$ h3 E- f: g3 l1 E" a( p, j1 \reflective of a growing trend towards American-Style lending practices. A prime f$ z2 q" y$ \# ~
example of an American trend influencing our banks will be longer
( X5 L1 D. Q$ Z) B mamortization periods. Canada has held tight on 25 year amortizations for
- U% b# y. t+ K: _5 c# y. l3 Q9 Qyears, up until now that is. A few lenders have announced 30 year ' Y7 p: u/ u8 j
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 ( F0 Z+ ~; _- y
term rates, look for lenders to get more creative with the discounts 0 V1 l! q/ r- O8 T( I( w
they offer on Variable Rate Mortgages. I fully expect to see stronger ! H! o3 K4 }$ d* h1 ?2 M, y6 ^
competition in the form of creative 'front-end loaded' discounts and |! _5 F- f+ E; f- v
teaser rates that make it more confusing to compare an apple to an apple & u* i% Y1 B' j: Q* k- R8 L
when shopping for the best mortgage option. It's going to be another busy
3 F# |% b- H1 |! Q5 hspring market and consumers are going to be faced with more choices
8 b' p5 G( {1 Q7 O _1 W, ythan ever before. The key, like always, is to get expert advice and
' \ a1 C& s/ H! ~/ ^remember you have options. |
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发表于 2006-5-7 20:26
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