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原帖由 dgg 于 2006-5-8 10:12 发表% L& L0 J0 w' P
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5 |5 \: t: k) o6 x$ o/ X. L V- x谢谢，请继续。1 P, G+ O$ G9 J C& C1 T
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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. {9 L! g" s5 y) V9 C8 h
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Spring Is In The Air! In some markets in Canada it may feel like
4 e4 V/ q" W* h! `Spring is starting to arrive. Each and every year in late February and : l! W. u& {. F& h
early March, the banks start rolling out their Spring market campaign of 4 K/ ~% f' X8 d
new products in an effort to attract new consumers. And, if early signs ' I$ g% H9 l7 N& }" a
are any indication, we're poised for yet another busy spring. The banks
2 B1 ]9 s. h/ S/ H9 {* D, E# d' }view this as the best time of year to get your attention by coming up
4 r/ P7 M% o: D: i7 G$ H5 M" M. n" rwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this + \5 p5 J% }( Q8 U; d+ s
year the early theme I'm seeing is banks getting more creative in an . T+ s3 N" Y6 H S5 @; f
effort to help you borrow more money. This is partly in response to growing
$ o W3 \4 P& s7 V9 x. u) Tconcerns about the potential of rising rates.
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5 Y/ k7 R" b* H1 d- K# ?4 UIn an effort to take the focus away from rates, look for two lenders to ( h- q4 M- z' F9 m/ _& m
come out with 'True Equity' programs that will allow home buyers the
1 [2 U/ q1 d4 e7 ~4 C. ?ability to borrow up to 75% of the equity in their homes without having
; H4 D, x* @2 z1 L" qto qualify based on their incomes. These programs were previously only 5 l' I5 l) m% v8 l2 x/ \
available to self-employed borrowers. Income earners had to either put
! N4 @& }1 l/ h( D! \" i0 smore money down or pay higher rates. This will now be a mortgage based 1 [" Y. Q" ~4 u$ B$ e5 `
on the equity and the rates will be fully discounted.
# P+ y7 D2 o ?1 [Another product to keep an eye on is more lenders who will be combining
! V- N* S. p4 Q6 Z% |) ~% J+ h, s- lthe mortgage with the line of credit and creating a 'Global borrowing
- o0 v4 a* L/ l climit' that will be re-advanceable. More and more consumers will be * T( |9 R' U- a3 G% s
looking for these kind of products for tax planning and investment 9 r2 V, y3 F! T
strategies. ) V9 \- n1 m+ Q0 ^) z9 \ k: u( b' {
+ Y; d j7 J! n4 }+ ]And speaking about investors, banks are starting to recognize the
1 N$ G2 j2 E% l2 p" R) X* Cgrowing number of home owners who are buying multiple revenue properties for # D& t7 _& b) F1 N. O# h0 X- ?
investments and we now have an 'Interest-Only' mortgage available for " T- C( B2 N# {* w
self-employed borrowers on a 'Stated-income' basis for revenue * X! \4 q, n" W, G) p
properties. This marks the first time a self-employed individual can use 4 n+ x7 h& t6 t1 s& ]
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is - V% o7 {4 Q8 _' @' T x1 T
reflective of a growing trend towards American-Style lending practices. A prime
( x; S8 y0 B% Z% Yexample of an American trend influencing our banks will be longer 7 g8 B. a2 j( K
amortization periods. Canada has held tight on 25 year amortizations for * P/ c! H5 \$ N! z+ X7 M, K4 T
years, up until now that is. A few lenders have announced 30 year 8 Y5 o) C2 B! R B _
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
' Z: [1 a4 q$ w9 n5 Kterm rates, look for lenders to get more creative with the discounts 4 ]2 F: i7 c2 p Y6 @& c
they offer on Variable Rate Mortgages. I fully expect to see stronger
. n5 N+ Y$ C) N# \ mcompetition in the form of creative 'front-end loaded' discounts and 3 f( R% U" n+ D. B+ @/ {0 b
teaser rates that make it more confusing to compare an apple to an apple
8 A: x) k# Y0 T, U7 g0 fwhen shopping for the best mortgage option. It's going to be another busy
# ?% _+ B% [2 J- ?spring market and consumers are going to be faced with more choices - u& \6 Y4 a7 O" y
than ever before. The key, like always, is to get expert advice and
, L+ M b0 A% b; D8 n$ a! }3 dremember you have options. |
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发表于 2006-5-7 20:26
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