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原帖由 dgg 于 2006-5-8 10:12 发表
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& L5 v# X. ^ g E谢谢，请继续。
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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。
) o' }" E. }: R8 |3 c2 YThe following article is written by Peter Kinch.& b; r0 O4 n1 p( Q7 W* B( z6 r
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Spring Is In The Air! In some markets in Canada it may feel like
; r! A5 j- j% q8 Z' nSpring is starting to arrive. Each and every year in late February and
+ D6 z) Q0 h2 w$ e9 Nearly March, the banks start rolling out their Spring market campaign of - S' \$ M9 R, U- \0 X, ^ B% c
new products in an effort to attract new consumers. And, if early signs 1 V7 u3 ?( K& t2 P1 x
are any indication, we're poised for yet another busy spring. The banks / `9 W8 a( p. X6 {5 y) c# u
view this as the best time of year to get your attention by coming up
! }4 {+ i! H/ kwith new products or simply putting twists on old ideas. ! b, R# [+ G7 o( u; o% `/ L) x( W
+ a( y3 d' c# o MOver the next few weeks we'll see a variety of new products and this
: R' v5 d4 P) A% P! Gyear the early theme I'm seeing is banks getting more creative in an & W/ J) x$ l" P$ q
effort to help you borrow more money. This is partly in response to growing
9 n* s% r% W+ p% econcerns about the potential of rising rates.
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1 Z7 y" o! d6 `+ L1 B, U1 R tIn an effort to take the focus away from rates, look for two lenders to
7 E( E+ c+ v, Z$ L' {) ocome out with 'True Equity' programs that will allow home buyers the W3 w$ K1 w4 B& @, v
ability to borrow up to 75% of the equity in their homes without having
/ s& }3 i' j0 v0 Z/ g) a1 [& oto qualify based on their incomes. These programs were previously only
* |8 c% r, ^6 K! w+ o0 o* Q* Wavailable to self-employed borrowers. Income earners had to either put
5 z' G' |5 I: _; p) s# umore money down or pay higher rates. This will now be a mortgage based
4 |" L& _/ N& z9 qon the equity and the rates will be fully discounted.
! b. ~1 u) @6 tAnother product to keep an eye on is more lenders who will be combining . b& f4 S+ w2 W0 I
the mortgage with the line of credit and creating a 'Global borrowing
Y. u! _* L! ]: Jlimit' that will be re-advanceable. More and more consumers will be ; b& E4 T! f. ]. `
looking for these kind of products for tax planning and investment 1 T+ Z1 k9 S) [# i* x& E
strategies.
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$ p( ]9 @$ h" U1 JAnd speaking about investors, banks are starting to recognize the " b/ X4 T) H/ S( b$ b2 F# m ^
growing number of home owners who are buying multiple revenue properties for
# y1 k; l0 O( \investments and we now have an 'Interest-Only' mortgage available for 4 `. Z1 {3 E( ~1 P
self-employed borrowers on a 'Stated-income' basis for revenue
0 z. |. r: V! u- a1 h& Tproperties. This marks the first time a self-employed individual can use
: q7 J2 R6 H; Y6 G. F'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is
% d9 [3 r' o+ a) L) L; r, r9 Wreflective of a growing trend towards American-Style lending practices. A prime
y" Q. V4 C+ K6 Aexample of an American trend influencing our banks will be longer
6 [6 I# E# f4 `9 Namortization periods. Canada has held tight on 25 year amortizations for
, L" D- M- T% v$ o$ \$ byears, up until now that is. A few lenders have announced 30 year ) h0 i/ Y: Q$ @: |7 R+ ~
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
' b" x# C- m7 Y- B& r. Sterm rates, look for lenders to get more creative with the discounts
6 x- v. g+ I! Cthey offer on Variable Rate Mortgages. I fully expect to see stronger 5 n5 U! w; \1 {- v. |6 I$ t5 \
competition in the form of creative 'front-end loaded' discounts and
" k9 @9 L) P E' Bteaser rates that make it more confusing to compare an apple to an apple % f1 T. I9 p" L
when shopping for the best mortgage option. It's going to be another busy ; i/ g |3 A. @( t
spring market and consumers are going to be faced with more choices $ @" h2 i0 y) H' n z
than ever before. The key, like always, is to get expert advice and 4 z3 D" S- a% v# O' B! S7 D% _3 o
remember you have options. |
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发表于 2006-5-7 20:26
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