 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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* z, M: p: ?. ]The N.I.Q. Borrower (each deal on its own merit).
2 p& R$ q7 a* D6 q1 ^& ^0 S: y- Self-employed or commissioned individuals with stated income.& V& O! @& c% K' ~/ K4 w7 m A9 L
- Salaried individuals with a GDS/TDS that does not meet traditional bank
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- Borrowers with a satisfactory mortgage history; vocation will be4 G4 X8 ^% |4 r% X
confirmed, and should suggest a reasonable future repayment ability.: Q" J2 C4 i9 e. O" C8 R( _* n' \
- Discharged bankruptcies accepted with 12 months re-established credit.+ x8 d3 w/ B' c. i6 E( T
- No double bankrupts. Applications accepted from new immigrants
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' D3 j: P- E* e w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,
6 M/ u5 h) B e% g2 n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。1 {% w- l* ^* \% g' P$ q. D6 K
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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!9 e& U+ X( B" I$ d- E% \; D5 k
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