 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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% q( A5 v- O1 A, z1 \The N.I.Q. Borrower (each deal on its own merit).. E& _! A/ q+ ~& l* {1 B+ T: u
- Self-employed or commissioned individuals with stated income.
. v5 u5 H" Y b$ L& w& k4 Q- Salaried individuals with a GDS/TDS that does not meet traditional bank, s4 O) \$ i# s; h
requirements.2 l6 V; Q; F# }" I! u- K6 L/ E" H
- Borrowers with a satisfactory mortgage history; vocation will be, S" c! q1 V5 J% r) r0 h
confirmed, and should suggest a reasonable future repayment ability.
6 A q- I+ m5 Q$ `- Discharged bankruptcies accepted with 12 months re-established credit. f( {/ T# Z' z
- No double bankrupts. Applications accepted from new immigrants
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! M+ X8 W7 {* ~; u: _" 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，
* t$ z1 }; L0 a u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。( m, P8 l, e- P
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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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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
