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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。, f8 F0 r5 A6 l. U" |6 E; w! w
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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。
2 @ A9 C; |+ wThe following article is written by Peter Kinch. b: v! y6 Q/ M% }& j
3 g/ T {9 [' c B! ~/ ~( wSpring Is In The Air! In some markets in Canada it may feel like - A/ R8 w. z, V& C5 z' T5 x
Spring is starting to arrive. Each and every year in late February and
8 U/ l, G7 L M6 }: a9 m; Z- Zearly March, the banks start rolling out their Spring market campaign of . h1 k) n4 V' g! |; ^
new products in an effort to attract new consumers. And, if early signs
( I# p& U/ `1 E( {: a- L$ `are any indication, we're poised for yet another busy spring. The banks ; G( G( b* v. U: x! f3 c, h8 ^
view this as the best time of year to get your attention by coming up
7 P- A6 m+ I) N* t4 u" gwith new products or simply putting twists on old ideas. ; \: I# c3 x. Z$ K8 o* Q( V
8 O% r- \. Y! n4 s0 s! |Over the next few weeks we'll see a variety of new products and this 9 M/ o2 k: D7 l4 S+ P" D$ g
year the early theme I'm seeing is banks getting more creative in an
1 v0 V7 E$ n( G: F h. K6 Q& Weffort to help you borrow more money. This is partly in response to growing
* X6 j% F* k8 v) ^* n' Oconcerns about the potential of rising rates. 1 R8 ^+ R& F. ?5 G/ _5 }7 i& L
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In an effort to take the focus away from rates, look for two lenders to
@2 f0 N* {3 ?- j) G& zcome out with 'True Equity' programs that will allow home buyers the " ~/ k$ L$ _' j* x4 k/ V
ability to borrow up to 75% of the equity in their homes without having ! l$ a/ I3 [* [- ^
to qualify based on their incomes. These programs were previously only
8 H5 E4 o" J1 u- ~8 Lavailable to self-employed borrowers. Income earners had to either put ; |9 r* s F. \# Q3 M2 d8 j- D
more money down or pay higher rates. This will now be a mortgage based
/ l4 X' h7 _8 B s$ b1 T4 Pon the equity and the rates will be fully discounted.3 H& L4 v: V5 u- ~7 o' @: T
Another product to keep an eye on is more lenders who will be combining
' x6 P" W, o/ T7 }# Lthe mortgage with the line of credit and creating a 'Global borrowing
: ~; r6 a0 e: \0 r4 flimit' that will be re-advanceable. More and more consumers will be
6 I& w1 c6 `( U! P& r( ?7 i+ `looking for these kind of products for tax planning and investment
$ n" E# F9 |1 L8 I3 g, ^strategies. . y) c. Z/ I- l0 [: l; D! o
3 M. W8 H1 n' w8 ?) y b- eAnd speaking about investors, banks are starting to recognize the ! |7 P( J0 D4 G2 x+ y9 p
growing number of home owners who are buying multiple revenue properties for ; p7 Q3 S8 c+ t: c5 a ~
investments and we now have an 'Interest-Only' mortgage available for % q$ ?7 k- _9 p. U
self-employed borrowers on a 'Stated-income' basis for revenue
2 e" a+ ]! I8 |properties. This marks the first time a self-employed individual can use + J" ^' n; h: n
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 7 e# Y# e, B; k' S, k3 Y( \2 G
reflective of a growing trend towards American-Style lending practices. A prime * m" t0 I8 @' L8 e, O+ A- d1 i" w
example of an American trend influencing our banks will be longer ; c& [$ m1 I' h" F, M- D0 |
amortization periods. Canada has held tight on 25 year amortizations for 6 a) t) Z* H1 v0 G, b0 x4 u- l
years, up until now that is. A few lenders have announced 30 year 8 y# U6 X6 A) ?+ m( n, S2 r
amortizations on CMHC insured mortgages at fully discounted interest rates.1 `! E- Y$ f0 C8 ]: G- h- H
/ ~ n0 a, s8 Z* o3 pFinally, in an effort to further take your attention away from the long # f, H; V" h% l
term rates, look for lenders to get more creative with the discounts & @! I3 _( ~7 T1 O) h
they offer on Variable Rate Mortgages. I fully expect to see stronger
. j. ]6 \# n/ \% E' Lcompetition in the form of creative 'front-end loaded' discounts and
' w$ W& }1 [- s. |- U- T' ^5 i4 A9 R7 }. @teaser rates that make it more confusing to compare an apple to an apple 1 ]3 Q. x+ q% @2 j
when shopping for the best mortgage option. It's going to be another busy - R$ p; p' D+ ~4 T
spring market and consumers are going to be faced with more choices 0 ~/ D0 ?# s. p9 V, Q9 S
than ever before. The key, like always, is to get expert advice and / f9 {% S, [4 x6 _# R
remember you have options. |
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发表于 2006-5-7 20:26
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