 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).9 A$ J& `. T& J. G3 R( D I
- Self-employed or commissioned individuals with stated income.
+ J8 ~' S" W" D1 p, F/ x. K- Salaried individuals with a GDS/TDS that does not meet traditional bank0 p4 H$ `- p: G; F. Y* Y
requirements.
1 ?- J, W+ a9 K; ~1 q& P- Borrowers with a satisfactory mortgage history; vocation will be
' l+ v1 A: D7 vconfirmed, and should suggest a reasonable future repayment ability.3 Z4 F% s) `% a, [, r& {
- Discharged bankruptcies accepted with 12 months re-established credit.3 D9 W& D; t V; C: `* ]8 k
- No double bankrupts. Applications accepted from new immigrants
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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,
3 b) {9 C0 R) b8 S) v7 F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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# r* g+ o) N$ R, ?2 k6 z9 k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!1 S; k+ X" {, l7 t4 s3 M! k
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