 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).1 w7 t, I: b4 ~% ^
- Self-employed or commissioned individuals with stated income.- _8 i/ s; c5 x1 R1 J5 l v
- Salaried individuals with a GDS/TDS that does not meet traditional bank
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- Borrowers with a satisfactory mortgage history; vocation will be
4 c( r1 Z, j `) x: zconfirmed, and should suggest a reasonable future repayment ability.5 ]$ N; Y9 r J D$ O/ P2 h- R
- Discharged bankruptcies accepted with 12 months re-established credit.
; [3 ]5 M1 @& i" x' U- No double bankrupts. Applications accepted from new immigrants
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0 K+ l- u$ P: b3 V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，% _9 D3 j1 z2 ]" b
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。
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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！( W( S1 F$ K' n. s
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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
