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原帖由 dgg 于 2006-5-8 10:12 发表* g; N% v- v+ m! ]4 t& D- A7 }
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# F) K' M+ c3 F谢谢，请继续。
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& M+ E' E' {. {5 b, `: v- N0 E7 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.
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Spring Is In The Air! In some markets in Canada it may feel like $ v# B: n" t( l' V
Spring is starting to arrive. Each and every year in late February and " B4 I( c/ ?6 \! {' |3 P- S
early March, the banks start rolling out their Spring market campaign of
6 n* J9 @6 Y6 Y" E4 k, anew products in an effort to attract new consumers. And, if early signs : ^) m* y. g0 S6 N9 t( L7 i
are any indication, we're poised for yet another busy spring. The banks & x3 w3 _, G7 ]: h2 G! O! }
view this as the best time of year to get your attention by coming up 3 }* ^9 Z: V7 T! o7 X$ P5 f, S
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
' _( u$ ` k3 P4 x" _2 F4 ~year the early theme I'm seeing is banks getting more creative in an
8 p0 H5 o+ l8 J2 keffort to help you borrow more money. This is partly in response to growing ( |) h! z9 ^2 @! }
concerns about the potential of rising rates. & }. h; @6 b w l6 |+ e
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In an effort to take the focus away from rates, look for two lenders to
- T* T. e% P# ^& ncome out with 'True Equity' programs that will allow home buyers the
% ]2 D9 t! j" Bability to borrow up to 75% of the equity in their homes without having & _3 w' l1 F3 T( a
to qualify based on their incomes. These programs were previously only ' _2 O) H/ ?' T9 g1 i
available to self-employed borrowers. Income earners had to either put 9 Q" F6 M& x0 {
more money down or pay higher rates. This will now be a mortgage based # y. ^" z7 Y5 \1 W2 H
on the equity and the rates will be fully discounted.+ r% I1 Z L* U+ f' p
Another product to keep an eye on is more lenders who will be combining
/ T; i* ~6 ~* m( e8 D; |$ jthe mortgage with the line of credit and creating a 'Global borrowing
: p/ Q; z" P# q5 F6 l9 tlimit' that will be re-advanceable. More and more consumers will be
; L8 }8 a; V0 Q- Plooking for these kind of products for tax planning and investment $ `5 u2 F( N: N- [( a
strategies. 2 `( ~5 X6 j4 }+ S
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And speaking about investors, banks are starting to recognize the
/ w) D; W: v' X2 Q5 rgrowing number of home owners who are buying multiple revenue properties for
4 o; z) x$ `( b$ n0 i; w/ Cinvestments and we now have an 'Interest-Only' mortgage available for
5 e! M9 Z( R& L" H5 O, Aself-employed borrowers on a 'Stated-income' basis for revenue
. }5 x. z# b. B5 @- Y+ x% Gproperties. This marks the first time a self-employed individual can use " @3 {4 L$ B/ M1 l' r6 W6 h- N% r
'stated-income' to qualify for a revenue property.
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! M% `4 o5 s2 x( J8 R* [The interest rates will be higher for this product, but it is
8 O1 j% h6 z# M( ]reflective of a growing trend towards American-Style lending practices. A prime
9 ]+ n, D/ |3 F4 s; C6 |example of an American trend influencing our banks will be longer
+ _+ U2 a* o. M6 K5 m! vamortization periods. Canada has held tight on 25 year amortizations for
+ e7 p+ _! R5 a- ?# L8 {/ e* oyears, up until now that is. A few lenders have announced 30 year ! g6 M2 Q- j' W, U6 {
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 + K8 V& E( J, W" Z" x. A
term rates, look for lenders to get more creative with the discounts
$ ^! @! t' x6 u+ fthey offer on Variable Rate Mortgages. I fully expect to see stronger & a( z5 F1 a8 T
competition in the form of creative 'front-end loaded' discounts and ' I4 L5 t1 Z& c* L. H' H4 A& n, n
teaser rates that make it more confusing to compare an apple to an apple x+ J( a% |5 s: n, r8 Q
when shopping for the best mortgage option. It's going to be another busy ! n G2 i/ \0 F: [6 E- h
spring market and consumers are going to be faced with more choices
0 ~4 d6 \: @+ K8 |0 dthan ever before. The key, like always, is to get expert advice and 1 c: u* e6 Y. P
remember you have options. |
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