 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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, P; g* `" n- h3 U* L, CThe N.I.Q. Borrower (each deal on its own merit).9 ~; |" ]8 W7 A& g$ P
- Self-employed or commissioned individuals with stated income.- Q/ l% E) e; o3 M9 L" }( Z
- Salaried individuals with a GDS/TDS that does not meet traditional bank' x" d3 \4 e4 H6 {; B" d: u
requirements.3 e7 C# X _1 `4 ~! T$ }1 ?
- Borrowers with a satisfactory mortgage history; vocation will be
' x1 \- j" [# N( P1 W* U: @confirmed, and should suggest a reasonable future repayment ability.
5 g$ Q- q6 L( H7 x# F- Discharged bankruptcies accepted with 12 months re-established credit.
! M- [/ O3 g- H5 w7 F" z% N- a+ `: G- No double bankrupts. Applications accepted from new immigrants
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) @6 S2 }* j. X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,% c0 x' `* i5 X/ f9 N3 i
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!
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