 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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9 F9 q/ a2 d5 t( E, ]! qThe N.I.Q. Borrower (each deal on its own merit).
t5 S! u$ T- g7 i( Z( o- Self-employed or commissioned individuals with stated income.
! Z5 t u8 O- |/ x! A1 Q7 d- Salaried individuals with a GDS/TDS that does not meet traditional bank
! R: f8 C, Z( }3 Rrequirements., [3 b( j6 a) D; S2 D' @# y
- Borrowers with a satisfactory mortgage history; vocation will be' v! p) G4 J+ |) O4 Z
confirmed, and should suggest a reasonable future repayment ability.8 t* F' e+ a0 a2 W: J
- Discharged bankruptcies accepted with 12 months re-established credit.
& g6 f0 M( r1 \" M+ U2 P! N* o- No double bankrupts. Applications accepted from new immigrants; N+ O: h4 K3 W* w
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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，) p9 }% _2 q) N: N4 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！
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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
