 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：2 @7 F5 U; Q: A8 `3 r1 V
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The N.I.Q. Borrower (each deal on its own merit).
& |3 H! @/ \* G c- Self-employed or commissioned individuals with stated income.& d8 l- n5 k# w
- Salaried individuals with a GDS/TDS that does not meet traditional bank0 L4 X' {+ }! f+ a1 a
requirements.: s {( W% o( w0 O. L8 k
- Borrowers with a satisfactory mortgage history; vocation will be
* g0 v' u1 M2 r' Qconfirmed, and should suggest a reasonable future repayment ability.
9 G, o0 W* z3 H% R- b- Discharged bankruptcies accepted with 12 months re-established credit.
7 P" }/ b0 n" x- M2 j- No double bankrupts. Applications accepted from new immigrants" C% L7 l, ?. t6 N
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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，
, c2 X8 C5 S6 O5 }) F# M$ A# d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。. @& S( t7 M w6 B, N0 Y, q
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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$ |6 M+ l# S2 e0 i+ E
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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
