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原帖由 dgg 于 2006-5-8 10:12 发表4 k5 E6 _3 y7 l$ ^
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1 i1 L: w3 h( z9 v' Y! v: R谢谢，请继续。6 n/ T1 @* Z, D! N% [4 L$ `) _3 j
% l7 V6 ]7 u% T' Z2 Z) f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.6 X! E4 S0 j. h# h9 h# O1 M3 u
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Spring Is In The Air! In some markets in Canada it may feel like
! o- u' l8 Y; c) |) o; O6 y' ~Spring is starting to arrive. Each and every year in late February and
/ }- ?; N I0 p. learly March, the banks start rolling out their Spring market campaign of
# l$ t8 E7 R ?1 u1 Hnew products in an effort to attract new consumers. And, if early signs / }( t1 G! }' A7 e( A4 o
are any indication, we're poised for yet another busy spring. The banks
0 \' R, n- g5 @4 k/ s- Dview this as the best time of year to get your attention by coming up
$ ]8 u1 u7 S. Q' ~2 @+ |# lwith 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
3 x/ y0 q, v6 J/ u( F: ^year the early theme I'm seeing is banks getting more creative in an
4 v7 M; T( e8 a! i- g, [% O {effort to help you borrow more money. This is partly in response to growing
+ j$ \6 ]; X+ _: b9 S1 j) h# A4 ?9 Econcerns about the potential of rising rates.
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5 X% R7 {1 `4 ~, a2 y/ VIn an effort to take the focus away from rates, look for two lenders to
' L) m# t) ^4 F( U7 [4 \0 P# D3 g: Jcome out with 'True Equity' programs that will allow home buyers the
9 S6 L8 w: S, g' @5 mability to borrow up to 75% of the equity in their homes without having # w0 d1 Q$ g- c( h
to qualify based on their incomes. These programs were previously only
" F2 A j! S# }, e& k% K7 Iavailable to self-employed borrowers. Income earners had to either put ( a0 Q6 p) T; Y
more money down or pay higher rates. This will now be a mortgage based
1 B3 h2 s% C1 l; z+ B" X& [on the equity and the rates will be fully discounted.' J6 H* d8 V; j, U$ p
Another product to keep an eye on is more lenders who will be combining ! Z5 u" B, f9 m$ a! ]( t
the mortgage with the line of credit and creating a 'Global borrowing " L. U; y: {, y) e
limit' that will be re-advanceable. More and more consumers will be
1 D5 j! @6 s1 X6 r9 alooking for these kind of products for tax planning and investment
1 ^% @7 B% ?& Q; _strategies. % A+ b$ r( ?, A, e6 Z
* `! ^ {2 J/ H; s) GAnd speaking about investors, banks are starting to recognize the
( E# t( w$ ?- b# w' E$ Q E! T) ^growing number of home owners who are buying multiple revenue properties for ) u: R% m) j# W" x9 C
investments and we now have an 'Interest-Only' mortgage available for
) t% M8 {! ?6 ~2 G7 Jself-employed borrowers on a 'Stated-income' basis for revenue # A0 A; w. [9 Y; P! j; x
properties. This marks the first time a self-employed individual can use ( ?& N9 ?, [' y
'stated-income' to qualify for a revenue property.
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/ ]' V5 a0 p/ U) DThe interest rates will be higher for this product, but it is % A8 F9 D8 U% T' H
reflective of a growing trend towards American-Style lending practices. A prime 4 M4 ~% }2 H: x
example of an American trend influencing our banks will be longer
. V' e1 W: ]6 w. i# d+ ?amortization periods. Canada has held tight on 25 year amortizations for
, a( j; @: q R8 M4 fyears, up until now that is. A few lenders have announced 30 year & `* J* L0 k) h9 l2 u8 \5 M
amortizations on CMHC insured mortgages at fully discounted interest rates.# N* @) t2 f6 W
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Finally, in an effort to further take your attention away from the long 2 y6 j/ n' H7 ^" l6 N
term rates, look for lenders to get more creative with the discounts
5 Y/ _% E$ u$ g2 x3 @2 x( uthey offer on Variable Rate Mortgages. I fully expect to see stronger ; Q7 {. d$ h6 I" k! V
competition in the form of creative 'front-end loaded' discounts and 4 V9 f/ m! ^% b2 z0 ?
teaser rates that make it more confusing to compare an apple to an apple ! P& z, i i7 x% e' D
when shopping for the best mortgage option. It's going to be another busy
( c. X5 V5 P# z7 Vspring market and consumers are going to be faced with more choices
1 }9 ]9 O& P+ M% p: o5 r6 xthan ever before. The key, like always, is to get expert advice and / x& n4 E- C; C" @6 v
remember you have options. |
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发表于 2006-5-7 20:26
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