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原帖由 dgg 于 2006-5-8 10:12 发表- v2 |/ F. L1 V+ b! z
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" U) V0 e9 A* l2 o; F, g谢谢，请继续。
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. W* N- Z( G; @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.; V( W0 E: I% @$ H- n* X; ^
8 `$ A' S. ?$ m% ~2 b6 USpring Is In The Air! In some markets in Canada it may feel like
% k& s! O4 B7 E2 Z0 x& I# ]9 DSpring is starting to arrive. Each and every year in late February and , {0 u3 x- }! i* N
early March, the banks start rolling out their Spring market campaign of
+ | Y8 Z: E* D% gnew products in an effort to attract new consumers. And, if early signs
3 f: @9 j C' I+ |are any indication, we're poised for yet another busy spring. The banks l! F4 q/ H: X2 h( V
view this as the best time of year to get your attention by coming up
1 b: ~* K5 l ?9 w" xwith new products or simply putting twists on old ideas. X! B0 Q) I0 g: z1 M' y
i0 K% i" O9 qOver the next few weeks we'll see a variety of new products and this 0 {2 r4 }1 O* r. x) I( E) C
year the early theme I'm seeing is banks getting more creative in an
# n: b/ S9 E5 @ ueffort to help you borrow more money. This is partly in response to growing 5 o, `& G& |% j+ K
concerns about the potential of rising rates.
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/ E* j* B) L6 ?1 K$ X# k% [In an effort to take the focus away from rates, look for two lenders to 5 S$ x& }$ C5 X6 i* l9 E
come out with 'True Equity' programs that will allow home buyers the " D* E4 f; i2 W* v. K) c
ability to borrow up to 75% of the equity in their homes without having
4 Q! e I6 u6 Z" D: a9 P/ gto qualify based on their incomes. These programs were previously only 2 W# O" Z, j; P9 S6 R( r. r
available to self-employed borrowers. Income earners had to either put * n2 D) i4 w1 Y3 U* b8 i9 t9 u
more money down or pay higher rates. This will now be a mortgage based 3 R* w+ d: {/ i/ C$ j( q0 i4 {
on the equity and the rates will be fully discounted.; m( D# m/ G$ b6 R T5 _
Another product to keep an eye on is more lenders who will be combining , l1 ~+ Z( ]: U* @# d, v5 C6 T
the mortgage with the line of credit and creating a 'Global borrowing
- T$ V$ m: b$ h& Q, R" Tlimit' that will be re-advanceable. More and more consumers will be 5 z" L( N* d3 c2 I, Y: \
looking for these kind of products for tax planning and investment , C3 C( Y" J- |) C% ]+ t
strategies. ! ], L* N$ p1 S
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And speaking about investors, banks are starting to recognize the
$ q4 D* t2 S# S) W& P5 jgrowing number of home owners who are buying multiple revenue properties for
% t5 A& {/ r: g7 ~: Linvestments and we now have an 'Interest-Only' mortgage available for
" V+ x; M" a; Oself-employed borrowers on a 'Stated-income' basis for revenue " j1 P" o7 e7 I
properties. This marks the first time a self-employed individual can use 7 p( I/ {$ h; e* i' z; b
'stated-income' to qualify for a revenue property. + X! ~( L e9 z2 c v5 L& y
" b/ q1 j* v! d. U* LThe interest rates will be higher for this product, but it is
' A/ ^7 n; z* J' B9 ireflective of a growing trend towards American-Style lending practices. A prime
) K ~$ T- g/ M4 M3 wexample of an American trend influencing our banks will be longer
" _/ w) [) k4 F) F8 Uamortization periods. Canada has held tight on 25 year amortizations for + U2 E* E5 m$ i5 Z7 n
years, up until now that is. A few lenders have announced 30 year # }0 b w! i; v2 z5 R+ n7 c0 T* Z
amortizations on CMHC insured mortgages at fully discounted interest rates.2 a( ]$ J5 F* R. g. d/ x
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Finally, in an effort to further take your attention away from the long
" ?, ~9 `# O3 l6 V& j% e, Yterm rates, look for lenders to get more creative with the discounts 5 T' y( d% n6 p' z) T4 ?. _* p) x
they offer on Variable Rate Mortgages. I fully expect to see stronger $ o! a6 F K1 Q* M- R+ a _
competition in the form of creative 'front-end loaded' discounts and ! U5 c2 w2 Z. r( a% Z
teaser rates that make it more confusing to compare an apple to an apple % x. n+ H S5 Y- I& B8 l# G
when shopping for the best mortgage option. It's going to be another busy
# [$ O) W' T- d. e4 G' H* dspring market and consumers are going to be faced with more choices # s _0 {8 ?3 A
than ever before. The key, like always, is to get expert advice and ( I1 F |! T3 [2 h
remember you have options. |
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