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原帖由 dgg 于 2006-5-8 10:12 发表$ @) c- l$ s* X* N
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谢谢，请继续。
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% s% O$ M, U ^: u' } C# G1 E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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. Z2 F& I8 f8 Q! xThe following article is written by Peter Kinch.
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8 E+ O" q+ e* S5 ^Spring Is In The Air! In some markets in Canada it may feel like % i" M6 `: Z4 b4 g0 |5 X
Spring is starting to arrive. Each and every year in late February and 2 x+ P$ j, X. A
early March, the banks start rolling out their Spring market campaign of " i$ ?% P' `# X: l, T2 F
new products in an effort to attract new consumers. And, if early signs
, V$ ~/ D4 a' h- |2 s9 X* |are any indication, we're poised for yet another busy spring. The banks
. E0 f, k+ U4 M( n0 R! Kview this as the best time of year to get your attention by coming up , T. s) k- e; H) ^8 X
with new products or simply putting twists on old ideas. 7 b9 H- B8 }6 k4 m7 k
0 j* i- ^7 Z) g+ [Over the next few weeks we'll see a variety of new products and this - j2 g2 t2 A7 n4 L) V4 z8 [
year the early theme I'm seeing is banks getting more creative in an
% x+ U3 m$ A# O9 P: Oeffort to help you borrow more money. This is partly in response to growing , J, ~7 N5 E4 [9 O
concerns about the potential of rising rates. 3 Q* d6 m+ ^$ d$ z4 K
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In an effort to take the focus away from rates, look for two lenders to
& }+ g6 y4 S' \come out with 'True Equity' programs that will allow home buyers the . Y1 u9 ?/ p. h7 C5 O" \# Z
ability to borrow up to 75% of the equity in their homes without having
% o% H4 h" x( d8 kto qualify based on their incomes. These programs were previously only " }& W A' }+ v; E- u
available to self-employed borrowers. Income earners had to either put " I2 n3 [4 K- y) p. @8 s
more money down or pay higher rates. This will now be a mortgage based
5 c! R: e( o+ U( H9 pon the equity and the rates will be fully discounted.5 {* b- W% p6 p. y
Another product to keep an eye on is more lenders who will be combining % p2 j) w8 L* Y. R- n: b; Y
the mortgage with the line of credit and creating a 'Global borrowing
3 ^( J( I4 t9 y% u6 t# ~+ hlimit' that will be re-advanceable. More and more consumers will be
G( e4 B3 Q0 S Rlooking for these kind of products for tax planning and investment
1 @/ i9 e8 C" ]7 I/ ~6 Ustrategies.
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! z" @& L4 @9 L; u6 I3 SAnd speaking about investors, banks are starting to recognize the
O# v: O m, Z+ a7 T9 {growing number of home owners who are buying multiple revenue properties for
# `# p+ f! c" C3 Winvestments and we now have an 'Interest-Only' mortgage available for
9 }5 K5 G% p% W( Sself-employed borrowers on a 'Stated-income' basis for revenue
& j" m4 \$ x1 g4 iproperties. This marks the first time a self-employed individual can use
' X2 ~3 ]0 U7 o$ Y2 p9 m* F'stated-income' to qualify for a revenue property. 1 @2 l! q( G2 d
# n) n; N/ J$ `& \The interest rates will be higher for this product, but it is
: ]. D& K/ z5 }$ e+ greflective of a growing trend towards American-Style lending practices. A prime
9 t( D: |0 n9 I3 L; u1 o" cexample of an American trend influencing our banks will be longer
+ M& j" @& v, ^- o, ~amortization periods. Canada has held tight on 25 year amortizations for 7 j: `, Z5 t, h5 Z
years, up until now that is. A few lenders have announced 30 year ) i) f6 @1 a N# f' c6 i
amortizations on CMHC insured mortgages at fully discounted interest rates.
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8 D" V/ \6 F$ e$ u% zFinally, in an effort to further take your attention away from the long ( h& c$ x& |0 L5 W1 |. E, [
term rates, look for lenders to get more creative with the discounts 3 A% z- ~) h0 m8 D6 @0 Y
they offer on Variable Rate Mortgages. I fully expect to see stronger 8 s @6 N* M1 ]7 W" W5 \* m9 a. m
competition in the form of creative 'front-end loaded' discounts and
& `! H+ Q- {2 i1 b: ]teaser rates that make it more confusing to compare an apple to an apple 2 u5 P0 S# Z, K s. l; l
when shopping for the best mortgage option. It's going to be another busy
! Z1 I: U( ?9 A/ cspring market and consumers are going to be faced with more choices 4 z1 M0 w& Z9 I1 b" g$ E0 D( O+ a& t9 @
than ever before. The key, like always, is to get expert advice and ( N: D. ^" T- \5 B7 ^# w% N' i6 R
remember you have options. |
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