 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：0 F0 n7 u, ]2 ]. Y/ B
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The N.I.Q. Borrower (each deal on its own merit).; w& r5 ~% Q: W' W0 Q
- Self-employed or commissioned individuals with stated income.7 Q3 U) D- X% F3 N" G. {
- Salaried individuals with a GDS/TDS that does not meet traditional bank5 J; A3 u6 H7 L' ~: f$ Y
requirements.0 |* x5 I# N7 @$ p1 P
- Borrowers with a satisfactory mortgage history; vocation will be( W* I" D f" F% m5 {
confirmed, and should suggest a reasonable future repayment ability.5 \2 w) f8 @+ f+ Y) L, c, e; l: l
- Discharged bankruptcies accepted with 12 months re-established credit.5 t5 _* R- X( u
- No double bankrupts. Applications accepted from new immigrants8 n; h! V' k2 g# ~
) |( e/ k' N6 v$ W0 Z ^) k- R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，, O6 K- _8 _6 L5 |3 ^% b( S: N$ S7 l7 E
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。6 _! l+ Q: R* y' R% W: w s0 J
6 d9 b$ ?3 s, @: ?$ y0 ^ z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！
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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
