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原帖由 dgg 于 2006-5-8 10:12 发表
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$ Q4 C* g" o9 Y2 I {谢谢，请继续。$ X1 n+ Y i/ l% L1 D
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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。
! J' v2 u' R9 F6 b% _$ q, w- o) h" BThe following article is written by Peter Kinch.* J6 c7 I0 Q: a' T% J) T- Q
G0 m, r1 U% J/ _Spring Is In The Air! In some markets in Canada it may feel like
% m" \+ ? ~. p! S$ W" kSpring is starting to arrive. Each and every year in late February and + M7 t/ |+ I) g( t
early March, the banks start rolling out their Spring market campaign of
) \/ U9 @; I% H' anew products in an effort to attract new consumers. And, if early signs
8 a& W! L. f6 v b6 v/ S+ ?" x+ V- nare any indication, we're poised for yet another busy spring. The banks
% q" @. d+ k* t* }: _1 X5 oview this as the best time of year to get your attention by coming up
2 m$ L" F _. @with new products or simply putting twists on old ideas.
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/ V3 e+ e5 Z- [7 t% w3 NOver the next few weeks we'll see a variety of new products and this
* d3 r- ]6 W& E7 h' D& N/ @2 yyear the early theme I'm seeing is banks getting more creative in an
: Y+ _7 z. W9 g/ deffort to help you borrow more money. This is partly in response to growing
6 j( f& d4 }: J2 H5 c8 Vconcerns 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
0 F( e- ~) X+ k; v [4 Y$ xcome out with 'True Equity' programs that will allow home buyers the
" ]1 r- C0 i$ O/ ~ Aability to borrow up to 75% of the equity in their homes without having + |8 @% _2 C' h4 {0 h
to qualify based on their incomes. These programs were previously only @# V$ D+ Y8 a& z0 A
available to self-employed borrowers. Income earners had to either put
. @: Z+ L9 f5 H& r7 Fmore money down or pay higher rates. This will now be a mortgage based
5 \' ~% m8 b2 G, t- O# C+ Lon the equity and the rates will be fully discounted.
" B0 @" s4 x* E2 ]/ |Another product to keep an eye on is more lenders who will be combining $ }7 \) f% v: F7 ?4 M
the mortgage with the line of credit and creating a 'Global borrowing ' D4 i4 O; R1 V. J1 t: p4 n
limit' that will be re-advanceable. More and more consumers will be u6 G J; d- w' j z2 e
looking for these kind of products for tax planning and investment ! V0 C4 H A$ Z
strategies. " t$ ]0 ] Z9 \# s
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And speaking about investors, banks are starting to recognize the 5 ]& H0 m6 o$ [. w5 w4 d
growing number of home owners who are buying multiple revenue properties for 6 Q6 Q- `6 X; \; @
investments and we now have an 'Interest-Only' mortgage available for
" g! ^) e3 ~, C9 K) v) B, ^self-employed borrowers on a 'Stated-income' basis for revenue
% m5 S# O6 P L9 u+ g' _: G/ tproperties. This marks the first time a self-employed individual can use i) o0 [# G# Z+ c, i8 D: |
'stated-income' to qualify for a revenue property.
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% w1 |" [2 E" B9 @( y6 T! ^The interest rates will be higher for this product, but it is / I) @' ]% s2 ^0 P) A' _
reflective of a growing trend towards American-Style lending practices. A prime 6 ?5 G1 v9 g4 t& x5 g* {* |6 ~
example of an American trend influencing our banks will be longer ! F3 ~( R& `- |8 P9 c9 q
amortization periods. Canada has held tight on 25 year amortizations for 6 I, k; m: Q& {) ]: F# h
years, up until now that is. A few lenders have announced 30 year
1 Y8 H- W7 s$ k! ?9 P# H/ Hamortizations 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
# G, L& D9 R. ^! xterm rates, look for lenders to get more creative with the discounts
8 B+ l# k5 z8 y6 `/ [5 }- kthey offer on Variable Rate Mortgages. I fully expect to see stronger 1 F9 [6 Y6 q: S4 L4 l, ?& V
competition in the form of creative 'front-end loaded' discounts and
) r/ u' x# A1 ~- T; t0 U- yteaser rates that make it more confusing to compare an apple to an apple
* u* _, l1 z6 D7 y- G1 ewhen shopping for the best mortgage option. It's going to be another busy 7 s# U: T: W0 N9 X6 L3 ^6 F4 a
spring market and consumers are going to be faced with more choices , I5 i9 k: C% T8 |0 w
than ever before. The key, like always, is to get expert advice and
# x+ s1 L( i! ~ w. m7 W6 _; sremember you have options. |
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发表于 2006-5-7 20:26
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