 鲜花( 65)  鸡蛋( 0)
|
楼主 |
发表于 2012-6-26 18:42
|
显示全部楼层
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：6 L, @6 ^8 N8 U* K6 z
7 Q. E0 @& `# A
The N.I.Q. Borrower (each deal on its own merit).9 J4 n& X3 L$ W) ^0 w- I$ m6 h+ D( T
- Self-employed or commissioned individuals with stated income. S1 h( K' l/ L% G7 o/ N: H
- Salaried individuals with a GDS/TDS that does not meet traditional bank* c8 f; L4 r- B: `& e* H, ]
requirements.
! u# H7 P- j0 o9 p5 D- Borrowers with a satisfactory mortgage history; vocation will be+ N3 S$ R1 N( f
confirmed, and should suggest a reasonable future repayment ability.
1 k; Q, _1 c( }7 C' [0 p3 g; ?- Discharged bankruptcies accepted with 12 months re-established credit.
/ e5 C9 m7 r' c- h5 X' s- No double bankrupts. Applications accepted from new immigrants
3 j6 \( ]: `* D0 M& V2 }4 m- E# v& @5 I* d& e7 z
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，
* N7 b; f# \+ b! N3 F8 K/ u# {# b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。0 h- S! a7 u8 [) L8 ^0 h
1 |3 e; f/ q6 J! W! R6 v
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！
/ W d' V( C$ U9 q+ t, g! N# u |
|
楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
