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原帖由 dgg 于 2006-5-8 10:12 发表" Z! V5 a6 d( Z( n( L8 V5 q* }
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谢谢，请继续。
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c; p; }( x& h5 P. h$ ?- b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。
, O1 i& p- a7 BThe following article is written by Peter Kinch.
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5 h0 q2 n/ |( A8 xSpring Is In The Air! In some markets in Canada it may feel like 6 a' r) s) A& M
Spring is starting to arrive. Each and every year in late February and
, {$ N% }# `$ z" t, tearly March, the banks start rolling out their Spring market campaign of
& {# h `8 X& m3 s& t' [new products in an effort to attract new consumers. And, if early signs 4 z4 C& E5 \$ f* v& o, P, i/ n
are any indication, we're poised for yet another busy spring. The banks
' [: F) W( j! N: Z Cview this as the best time of year to get your attention by coming up
9 }4 n' i2 R9 ?# Q7 N2 Hwith 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 2 F) T- \6 ~9 r" }, |, S) `+ y
year the early theme I'm seeing is banks getting more creative in an
! a" f4 j$ q% Y C q- `/ _effort to help you borrow more money. This is partly in response to growing 5 h( u) b) u2 ?: n3 \6 Z( |7 d. L
concerns about the potential of rising rates. 1 U" i G+ \$ s* H+ B7 \* l
9 a! H6 ]: Q) D" h* xIn an effort to take the focus away from rates, look for two lenders to
% V+ e2 {$ N2 K* W& Jcome out with 'True Equity' programs that will allow home buyers the
2 W# J* s5 c5 ]4 x& A% J9 i1 j" {ability to borrow up to 75% of the equity in their homes without having
. h8 B) m6 f3 _3 |" h: zto qualify based on their incomes. These programs were previously only
8 y8 a$ p- @( G! J) e, Z0 javailable to self-employed borrowers. Income earners had to either put 2 b& \" g# }7 {
more money down or pay higher rates. This will now be a mortgage based - a& l. y2 A) i& b
on the equity and the rates will be fully discounted.4 S6 l# e# ]# M
Another product to keep an eye on is more lenders who will be combining
$ u; Q1 F u! Z0 C% l: ]the mortgage with the line of credit and creating a 'Global borrowing * d J6 j9 Q4 z
limit' that will be re-advanceable. More and more consumers will be
) P7 }. Z8 q% {looking for these kind of products for tax planning and investment
& ?, b$ B) i' E; i W5 i2 c; _strategies.
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And speaking about investors, banks are starting to recognize the
7 a/ X. D# {4 M( L; Z9 a8 k; vgrowing number of home owners who are buying multiple revenue properties for ' ^; l( v. N S- g# ?+ H
investments and we now have an 'Interest-Only' mortgage available for " }: u7 l k5 k6 I
self-employed borrowers on a 'Stated-income' basis for revenue
7 p; j" m3 Z' y, K! mproperties. This marks the first time a self-employed individual can use / [7 b9 l8 a$ ?4 U7 N1 x! x) r
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is $ ~/ L. Q; s: W# e" O% B
reflective of a growing trend towards American-Style lending practices. A prime % _* }/ {/ q7 G. s' ]- }
example of an American trend influencing our banks will be longer ; C7 G b' s* w* M: M' D
amortization periods. Canada has held tight on 25 year amortizations for " Y9 a* W( o- a" r" D
years, up until now that is. A few lenders have announced 30 year
: Z9 r9 f- `7 ^$ F5 h3 e, ramortizations 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 8 }: J9 J, ^, W% G: F) F
term rates, look for lenders to get more creative with the discounts
?* e' B. S3 e/ x% M& h- r& ?they offer on Variable Rate Mortgages. I fully expect to see stronger 3 ]/ T' G/ \' W3 z1 [
competition in the form of creative 'front-end loaded' discounts and ; B' i5 f P8 L9 P3 `9 W
teaser rates that make it more confusing to compare an apple to an apple
G* |: t/ Y6 @ qwhen shopping for the best mortgage option. It's going to be another busy $ r( {- c) F. }
spring market and consumers are going to be faced with more choices
% A" b" h- M/ c0 s, Hthan ever before. The key, like always, is to get expert advice and
4 \( [2 ]9 K+ K& L5 Wremember you have options. |
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