 鲜花( 65)  鸡蛋( 0)
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发表于 2012-6-26 18:42
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OPTIMUM MORTGAGE 隶属于 CANADIAN WESTERN TRUST, 是加拿大西部银行集团的全资子公司， 我和他们打交道也有三年多了，今年也有五笔业务是通过该贷款机构获取的贷款。无收入证明需要的贷款产品简称 N.I.Q (NON-INCOME QUALIFIED), 其主要客户是针对自雇/全佣金人士；有工薪收入但达不到其借贷要求的申请人，我转发一段其网站对此类贷款的具体要：
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The N.I.Q. Borrower (each deal on its own merit).5 S Q8 L* w/ F' `
- Self-employed or commissioned individuals with stated income.4 |" d& U$ F0 |% g% z$ `8 m2 `
- Salaried individuals with a GDS/TDS that does not meet traditional bank
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3 y# Q. u% G# I: j; L4 i, v6 X- Borrowers with a satisfactory mortgage history; vocation will be
! `- K/ u3 R( d u" U& Oconfirmed, and should suggest a reasonable future repayment ability.( P, m/ P- l' `: I
- Discharged bankruptcies accepted with 12 months re-established credit.
v( Q2 r, O+ l5 }- No double bankrupts. Applications accepted from new immigrants
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$ s t: \- x9 n* |% T0 K: L此类贷款的利率一般很高（一年固定4.99%； 三年固定5.35%），且该机构要收取借款金额1%的手续费，; V3 b, v6 W: }8 f# h' y; E9 p: K4 m
如果没有任何收入来源，也不属于上述三类人士， 这样的贷款申请我还从未获得过批准。8 t6 o7 f4 j+ R$ h! V) G: @
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小年同志出道不久，已经俨然巧妇，居然能烹无米之炊， 实在令我这老江湖佩服之至也！: o( e! l1 P; L! {, C
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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
