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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。5 z& Q/ D0 b. U1 p) G6 }
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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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" r# M2 ]& V8 A; V0 D/ [The following article is written by Peter Kinch.
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. K& i1 n# J z7 g- @0 CSpring Is In The Air! In some markets in Canada it may feel like
3 E4 F5 Z$ t! FSpring is starting to arrive. Each and every year in late February and 0 J" l3 c" t" I+ i
early March, the banks start rolling out their Spring market campaign of / M+ R8 D; V0 N7 y' \- @
new products in an effort to attract new consumers. And, if early signs # L1 W& @4 J) i$ H' V; V- r
are any indication, we're poised for yet another busy spring. The banks
$ t7 m% d7 k4 U6 e) N2 a0 nview this as the best time of year to get your attention by coming up h1 z$ {* d6 c
with new products or simply putting twists on old ideas. 2 G+ A/ o- I' K. `( x, B
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Over the next few weeks we'll see a variety of new products and this
+ g0 B' @+ }4 E% Q, xyear the early theme I'm seeing is banks getting more creative in an `7 D! q |& @" X5 M
effort to help you borrow more money. This is partly in response to growing 4 G/ ~% W8 ]$ Z
concerns about the potential of rising rates. 2 b/ P( A; g% S' j$ T
; R2 \8 @" ?0 Z8 j. K& NIn an effort to take the focus away from rates, look for two lenders to
% {( V: ^0 ]! P; a: M+ }+ m/ rcome out with 'True Equity' programs that will allow home buyers the
/ W) L+ M- V, S7 pability to borrow up to 75% of the equity in their homes without having
+ O6 P& _5 N7 l+ z: ~to qualify based on their incomes. These programs were previously only ( v* ^ F0 A0 e3 g5 B/ l
available to self-employed borrowers. Income earners had to either put
* W% | }: t8 R5 I* ?9 @' ?more money down or pay higher rates. This will now be a mortgage based
5 u2 ~' q/ r3 lon the equity and the rates will be fully discounted.- S; Y: V9 ~$ n, P0 b
Another product to keep an eye on is more lenders who will be combining
4 _2 w! C5 t4 A9 T$ P1 Vthe mortgage with the line of credit and creating a 'Global borrowing
- i* {/ `" D' O* J; ?limit' that will be re-advanceable. More and more consumers will be $ N" z/ k' h$ T+ T
looking for these kind of products for tax planning and investment
' R2 e& [4 g/ I) g8 Qstrategies.
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, R! D# b+ A9 f* \1 EAnd speaking about investors, banks are starting to recognize the
, T& |, p8 N6 z/ G) w- _2 w! hgrowing number of home owners who are buying multiple revenue properties for
; M0 ?9 }$ ~ n2 |investments and we now have an 'Interest-Only' mortgage available for 1 ]6 M# u8 B9 l* \: N0 t, m
self-employed borrowers on a 'Stated-income' basis for revenue 3 b9 |2 v; w9 o4 j
properties. This marks the first time a self-employed individual can use
( A* G+ X7 _& _* Q'stated-income' to qualify for a revenue property. 2 R: f1 D! s; A Y: y
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The interest rates will be higher for this product, but it is $ q+ j" A0 N. ]1 j( t1 Z
reflective of a growing trend towards American-Style lending practices. A prime . z" \% B9 Q. W
example of an American trend influencing our banks will be longer
1 v$ ?5 |, x4 s( {' i. T5 ?/ _. j2 Vamortization periods. Canada has held tight on 25 year amortizations for & W8 o# ?! Y7 S3 T
years, up until now that is. A few lenders have announced 30 year ) Y0 c7 }- y. \8 B" A$ u
amortizations on CMHC insured mortgages at fully discounted interest rates.! w. P- V& B: K
3 X B+ Y1 _7 D& d; E3 O; h$ W/ }, ]Finally, in an effort to further take your attention away from the long
( f- t/ U" J+ P8 I% l' `term rates, look for lenders to get more creative with the discounts # V# @6 H( _. [5 D
they offer on Variable Rate Mortgages. I fully expect to see stronger
- t: E. K% k5 g3 {8 }/ Qcompetition in the form of creative 'front-end loaded' discounts and
) M2 ~2 U. j. h/ m( `' Ateaser rates that make it more confusing to compare an apple to an apple 7 a3 s, A3 L. z5 `% X% U
when shopping for the best mortgage option. It's going to be another busy 8 v0 b5 M4 p4 p# U1 j
spring market and consumers are going to be faced with more choices
9 z2 o) G, L3 ? E& a+ \2 `: @3 Mthan ever before. The key, like always, is to get expert advice and
" H0 }) V; N% Yremember you have options. |
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