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原帖由 dgg 于 2006-5-8 10:12 发表4 M+ p. q) b) e; u( l
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谢谢，请继续。# A! T( V' s5 k. _( M/ ?) I
: a a% d1 ~6 |4 P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.
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. B4 G: ^ J1 }: I4 i K. WSpring Is In The Air! In some markets in Canada it may feel like
! t( N) n' @' h& ISpring is starting to arrive. Each and every year in late February and + L R0 C5 x3 A) s) i. u
early March, the banks start rolling out their Spring market campaign of + E+ }3 {5 [" w# q }( B
new products in an effort to attract new consumers. And, if early signs
* \* l; t P& F& I7 t/ F4 Pare any indication, we're poised for yet another busy spring. The banks 3 z( ]* t8 m( R$ ]
view this as the best time of year to get your attention by coming up , s n2 O% m) U4 g
with 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
& A$ W/ j+ @: z: x% r( {year the early theme I'm seeing is banks getting more creative in an $ Q* ?0 t- J1 D
effort to help you borrow more money. This is partly in response to growing
1 ]7 I0 w* W; p: @1 a' r2 iconcerns about the potential of rising rates.
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6 t" \* l8 l; Z5 f/ [) GIn an effort to take the focus away from rates, look for two lenders to 6 ~" `, Y9 |6 C. ^9 @. {0 g
come out with 'True Equity' programs that will allow home buyers the
' ~3 ~3 g+ _& t" h+ p* p5 {- e( [ability to borrow up to 75% of the equity in their homes without having ( [3 o. U/ A9 R" u6 r) M) d
to qualify based on their incomes. These programs were previously only & ?/ @* j* F8 U4 d
available to self-employed borrowers. Income earners had to either put ! F3 \0 G% J! x% ?+ B
more money down or pay higher rates. This will now be a mortgage based
! z8 J- n5 I7 B; q* {. Lon the equity and the rates will be fully discounted.7 n8 O# Z+ j3 y K8 H
Another product to keep an eye on is more lenders who will be combining 8 x- s7 a0 K! d( E6 S6 y6 O
the mortgage with the line of credit and creating a 'Global borrowing
( d3 @1 L# d! [* k8 Rlimit' that will be re-advanceable. More and more consumers will be . n+ a9 C2 _; E% }
looking for these kind of products for tax planning and investment
8 L" b# G+ _, m$ P! ystrategies. 9 C: K; h, ^7 c$ p; w; o
1 ^' h# y8 v1 _. z8 o ~4 \/ YAnd speaking about investors, banks are starting to recognize the
- N4 l8 e) p. U- agrowing number of home owners who are buying multiple revenue properties for ; M% n4 w' G8 c7 f
investments and we now have an 'Interest-Only' mortgage available for ! C* A( P @0 [& C% H* j2 i
self-employed borrowers on a 'Stated-income' basis for revenue & I3 P+ L' q; P2 u9 m$ }$ y
properties. This marks the first time a self-employed individual can use $ T0 |2 `: r6 Z& D1 _
'stated-income' to qualify for a revenue property. , V5 o' ?- R# S/ u
1 R6 p) W4 g: ]' u3 OThe interest rates will be higher for this product, but it is
9 O+ B5 t) o7 Y$ mreflective of a growing trend towards American-Style lending practices. A prime 3 D7 ]: P" T$ w
example of an American trend influencing our banks will be longer
5 q- q0 H' z) |amortization periods. Canada has held tight on 25 year amortizations for
2 o) S3 W' u" vyears, up until now that is. A few lenders have announced 30 year
$ d' f n6 f& Q4 T/ p2 Z* zamortizations on CMHC insured mortgages at fully discounted interest rates.3 h0 O& t( |1 r4 T( T, |" r
0 e7 i' @8 X; w* |( U( m+ T9 uFinally, in an effort to further take your attention away from the long
) ]& ?# ]4 F: a: e7 U1 m9 n+ cterm rates, look for lenders to get more creative with the discounts & S% ^4 p% C9 J, s
they offer on Variable Rate Mortgages. I fully expect to see stronger
( x V8 x) Q; j% l1 ]1 F% v8 icompetition in the form of creative 'front-end loaded' discounts and / v! E, K! Z+ F) e
teaser rates that make it more confusing to compare an apple to an apple
2 B) T9 }8 D3 _# awhen shopping for the best mortgage option. It's going to be another busy
4 {. U C2 E! ~, O5 q; Bspring market and consumers are going to be faced with more choices * y$ N N6 B. Y2 r
than ever before. The key, like always, is to get expert advice and
s3 d% M4 S+ B. z& ]9 Tremember you have options. |
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