房贷之“龙虾三吃”

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买房子要申请房贷,地球人都知道。大家可能不知道的是,除了标准的“首付+贷款,还本付息,五年一续”方式,房贷有多种变化,用好了能够少花钱、多挣钱。

Credit Line:高资产新移民的最爱

Credit line,指的是用全款把房子买下来,然后再用房子作抵押把钱贷出来。和标准的房贷方式相比,Credit line有如下特点:

  1. 可以不用续约,从而避免标准房贷在续约时需要根据收入重新测算贷款额的情况。这一点对很多新移民非常重要,因为五年期满之后,他们就不能再享受“新移民不用测算收入”的优惠政策。
  2. 平时可以只还利息,这样还贷压力小。
  3. 还款、借款灵活,可以多借、少借,也可以多还、少还。
  4. 利率比标准房贷方式略高一点。

因此,如果您是资金雄厚的新移民,担心5年后在加拿大的收入不高影响房贷续约,不妨考虑Credit line。

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公募房贷基金:房贷 + 上市股票

有一些上市的基金、股票专门投资于Mortgage和Mortgage证券化资产,流动性强、投资额可大可小,有的还有高分红。美中不足的是,此类投资产品的证券市场风险较大,跌幅可达40%(见下图)。

阳光私募房贷投资基金:低风险的10%回报率

我们也可以参与阳光私募房贷投资基金。所谓“私募”,指的是基金不在证券市场上交易,不能在投资人之间自由转让股份,但是可以向基金赎回投资。所谓“阳光”,指的是这些基金仍然受到严格的监管,包括等投资方向、公司治理结构、信息披露、审计等方面。

因为“私募”,这些房贷基金的股份价格完全不受证券市场波动(就是“专家”们整天念叨的“系统风险”)的影响。又因为“阳光”,这些房贷基金不光可以用现金投资,也可以用RRSPRRIFTFSA投资。

无论公募还是私募房贷投资基金,都是投资于多个房贷项目。对每个房贷项目,Borrower(借款人)以不动产物业做为抵押品(比如市值为200万),按照一定条件(比如抵押品负债率不高于80%)从投资者(贷款人)获得房贷(比如60万)。因为是房贷,借款人必须按时还本付息,包括按月派发的固定利息(一般为每年8-12%)。

在考察一个房贷投资基金时,很关键的一条是看它的投资组合。如果这个基金有大量的投资在地产开发房贷项目、商业地产房贷项目,往往项目分散度低、项目平均周期长、延期拖期比例高、实际抵押负债率高、借款人信用风险高,风险较大。如果这个基金基本上是投资在住宅现房,尤其是高信用借款人群体的现房短期过桥贷款,那么项目分散度高、项目平均周期短、延期拖期比例低、实际抵押负债率低、借款人信用风险低,风险就很较低。

现在,我们根据加拿大华人的需求,正在围绕“控制总融资成本、控制全过程投资风险”的核心目标,为房地产投资人、开发商提供投资、融资服务和产品,希望通过我们的努力,为华人社区在加拿大的发展壮大尽一份绵薄之力。特别是对专业水准高的房地产经纪、房贷经纪、中小开发商,我们能为他们自己或其客户迅速提供融资支持:50万加元以内融资需求24小时内可准备好资金;50-150万两个工作日内可准备好资金;150万以上的需求,尽责调查时间要长一些,但可以边沟通边准备资金,不会误事。

Sales Representative, Highyon Reality Inc. Brokerage;

Mortgage Lic #: M13000336, under FMP, Mortgage Investments Inc. (FSCO reg. # 12373)

(以上内容不构成任何具体投资建议。对具体个案,欢迎来电垂询王富嘉6474000186或电邮[email protected]或光临近期举办的讲座 http://info.51.ca/my/view-350446-229195.html )

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