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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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4 b+ x* b6 P& Q' Q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。
+ F7 V$ i. u. y I" U, s4 RThe following article is written by Peter Kinch.5 k0 o; Y B& P! @' D! c
1 i% w( x5 {' D, m! p2 b# {Spring Is In The Air! In some markets in Canada it may feel like 8 q6 x2 L9 R: r$ r/ \# r% P
Spring is starting to arrive. Each and every year in late February and 2 g1 E6 o! c3 u5 y6 b% S$ @) ]
early March, the banks start rolling out their Spring market campaign of 1 J. Q: ^% _0 l4 O8 |
new products in an effort to attract new consumers. And, if early signs
6 i6 |8 F' G k2 f9 Sare any indication, we're poised for yet another busy spring. The banks
% X+ Z0 C- x# \- r/ q4 A+ Eview this as the best time of year to get your attention by coming up
x# \5 ?' e9 s! t4 g+ }with new products or simply putting twists on old ideas.
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6 v+ q( h1 H4 ]# E7 X& y; sOver the next few weeks we'll see a variety of new products and this
# R, j! i3 w2 I3 b: e2 h# Lyear the early theme I'm seeing is banks getting more creative in an # H; \! X; O, E9 k7 N
effort to help you borrow more money. This is partly in response to growing : v6 h( _5 u; Y5 T7 ]
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 9 L" d* N2 V( [9 [7 A( y3 X
come out with 'True Equity' programs that will allow home buyers the
1 Y5 j: q, j: w) nability to borrow up to 75% of the equity in their homes without having
5 `0 G6 t* w4 e: n0 n& Fto qualify based on their incomes. These programs were previously only
1 V( F/ p0 W, i: ]/ I4 ~7 |available to self-employed borrowers. Income earners had to either put 3 {* R1 n( G6 T6 d2 S! k( G' V
more money down or pay higher rates. This will now be a mortgage based
V* \' s$ D3 t8 Pon the equity and the rates will be fully discounted.
- U8 o- _+ s* t/ F/ U# a iAnother product to keep an eye on is more lenders who will be combining / L" H( L& v; o, L6 _- H- D
the mortgage with the line of credit and creating a 'Global borrowing ; g" i) v) ~) G) T9 ?0 {/ V
limit' that will be re-advanceable. More and more consumers will be
& f n( q& y; h( ]looking for these kind of products for tax planning and investment # }( e# |. i- _' m) J
strategies. . g( k6 S% C4 d8 U" {9 n3 {
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And speaking about investors, banks are starting to recognize the
1 c' E2 `. x/ p4 |5 B1 y% D# Kgrowing number of home owners who are buying multiple revenue properties for
3 L# q: H. X" \ k- n& {7 yinvestments and we now have an 'Interest-Only' mortgage available for 5 |: J Z6 R! C4 h& ?
self-employed borrowers on a 'Stated-income' basis for revenue
9 p, i. c- Y5 X. zproperties. This marks the first time a self-employed individual can use
8 Y) @0 q! K5 _+ R$ ]'stated-income' to qualify for a revenue property.
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6 I8 {. D4 n2 F v* O" LThe interest rates will be higher for this product, but it is
: E6 Y* @1 }6 S& ereflective of a growing trend towards American-Style lending practices. A prime
9 y0 y7 K/ Q: i" y7 p' ]1 Iexample of an American trend influencing our banks will be longer 4 L/ _. c1 S: w
amortization periods. Canada has held tight on 25 year amortizations for
5 t; O6 K4 T) P5 K' C/ G( ]years, up until now that is. A few lenders have announced 30 year
0 D7 r+ N+ b3 T8 h$ Xamortizations on CMHC insured mortgages at fully discounted interest rates.
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- q+ s2 r- d/ w! vFinally, in an effort to further take your attention away from the long
h- D- \" Y D& f1 {! ~, q; b- uterm rates, look for lenders to get more creative with the discounts 5 p+ Y. A0 ?1 d& [9 d; j
they offer on Variable Rate Mortgages. I fully expect to see stronger " T' t! s' g& X! j6 t( z$ q
competition in the form of creative 'front-end loaded' discounts and
* }2 U, d8 `+ w: u& P$ `: @teaser rates that make it more confusing to compare an apple to an apple
% {1 d/ q7 Q' e. r% S+ L, \6 j% Hwhen shopping for the best mortgage option. It's going to be another busy
$ ]& r3 |" M: t& R& D9 fspring market and consumers are going to be faced with more choices
% k7 G4 W- n5 P; r# k6 O. ~4 Vthan ever before. The key, like always, is to get expert advice and 4 ^2 E/ y5 q% @) ^
remember you have options. |
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发表于 2006-5-7 20:26
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