 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:4 J7 |1 M) @: z `
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The N.I.Q. Borrower (each deal on its own merit).
5 g; Y6 @# i7 s$ ?$ ~7 h P- Self-employed or commissioned individuals with stated income.4 H7 h9 v. p4 ?. m
- Salaried individuals with a GDS/TDS that does not meet traditional bank; K+ Z8 k. i5 O' B' c0 r) l& T
requirements.
- V: W% N6 e, I( x( j- Borrowers with a satisfactory mortgage history; vocation will be
2 G% I/ E$ |8 p5 ? y5 aconfirmed, and should suggest a reasonable future repayment ability.
; I( B9 @6 h1 o- L+ |1 M8 p- Discharged bankruptcies accepted with 12 months re-established credit.+ ?6 ~0 Z5 ~, l
- 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 u7 g3 y3 Q7 h$ m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!$ j4 H' L0 O7 M0 g8 k, T
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