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原帖由 dgg 于 2006-5-8 10:12 发表
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* }7 n$ c. W2 K6 r' l$ F: h谢谢，请继续。" u% q; F, M; U9 i
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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。
- u" ]/ q) l' m$ O; p; B: hThe following article is written by Peter Kinch.- w* O, z& i% R+ @1 Y1 w; S
0 D$ y, K( {% C6 Y; u( e% A; s uSpring Is In The Air! In some markets in Canada it may feel like & O& L- C) P( H
Spring is starting to arrive. Each and every year in late February and ' B7 S: w. o9 b: O
early March, the banks start rolling out their Spring market campaign of ' H; b+ Y4 c% e
new products in an effort to attract new consumers. And, if early signs 6 M S0 B& ? u) \
are any indication, we're poised for yet another busy spring. The banks ' l) G7 {# t; ?5 D0 I9 V" `
view this as the best time of year to get your attention by coming up , h+ P/ T' X# {6 I* J* Q, c
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 6 C, C ^, m: D' w: e, e
year the early theme I'm seeing is banks getting more creative in an
! k4 E0 p* Q+ w! d& R% Beffort to help you borrow more money. This is partly in response to growing # }1 P$ D$ g+ a, U1 B7 T6 X
concerns about the potential of rising rates.
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In an effort to take the focus away from rates, look for two lenders to
. W" R6 E; ]: a+ `come out with 'True Equity' programs that will allow home buyers the . U: k8 G9 B# b- h7 d. u
ability to borrow up to 75% of the equity in their homes without having % S2 c+ Z* }/ Q. ^. y8 Q3 A
to qualify based on their incomes. These programs were previously only
( R* Y; C6 B: L P5 F( I6 O" Wavailable to self-employed borrowers. Income earners had to either put
8 B9 Z! N" z8 ^" Xmore money down or pay higher rates. This will now be a mortgage based
/ D* L0 l# G* N { S! ^ kon the equity and the rates will be fully discounted.
! e6 \- A* p c' s# \+ vAnother product to keep an eye on is more lenders who will be combining $ j( h/ t2 [8 g0 e
the mortgage with the line of credit and creating a 'Global borrowing
7 j7 t" d F% F) `limit' that will be re-advanceable. More and more consumers will be : ]* p* q( K! A* E
looking for these kind of products for tax planning and investment
- O4 x, `# M% R5 y8 I0 nstrategies.
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And speaking about investors, banks are starting to recognize the
& y* B s( y2 E/ `growing number of home owners who are buying multiple revenue properties for
5 k6 W+ ?; b0 H) u+ [investments and we now have an 'Interest-Only' mortgage available for ' L" ]; P1 s2 R# _+ G, m( ] L% V; h9 C
self-employed borrowers on a 'Stated-income' basis for revenue , `( v" c, s/ I m+ p# t: ]1 _
properties. This marks the first time a self-employed individual can use * }! c! f: R3 b7 j2 a
'stated-income' to qualify for a revenue property. / n. W7 D$ [! x' |& r
; [& Y% o" L/ D! `; uThe interest rates will be higher for this product, but it is 4 t$ L2 R3 P5 K* ]" C
reflective of a growing trend towards American-Style lending practices. A prime
9 |" Y0 @ Q: f+ [$ }3 k) y4 t; Xexample of an American trend influencing our banks will be longer 9 r1 H$ [; w3 B9 d$ M
amortization periods. Canada has held tight on 25 year amortizations for : {: L0 y& O! \9 K
years, up until now that is. A few lenders have announced 30 year ( V: c% d" u2 O" ~5 g
amortizations 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
# Q& o5 q7 U* q! ]1 i* s1 C4 nterm rates, look for lenders to get more creative with the discounts , \0 U) J1 T @. v y
they offer on Variable Rate Mortgages. I fully expect to see stronger
+ r9 P5 h7 D9 L6 N6 W! V' N' Y6 z. L* Vcompetition in the form of creative 'front-end loaded' discounts and
- A; b5 O$ |, r8 _: U3 C7 w/ s% Xteaser rates that make it more confusing to compare an apple to an apple : A8 d2 ~* \' t" C6 U8 ?6 h: [* v
when shopping for the best mortgage option. It's going to be another busy
% b5 ]" @% C$ F0 J; I9 wspring market and consumers are going to be faced with more choices
) ~$ ?" Y6 }; z( C! ithan ever before. The key, like always, is to get expert advice and ) U' k. ~1 J8 D5 f/ ?) n
remember you have options. |
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发表于 2006-5-7 20:26
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