 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：; F7 |3 x7 A" r# |
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The N.I.Q. Borrower (each deal on its own merit).. J5 p6 u+ k3 X' Z# z( p
- Self-employed or commissioned individuals with stated income.0 w$ K- b9 B1 R) e+ u* u$ H W
- Salaried individuals with a GDS/TDS that does not meet traditional bank, l2 S: E( E' v9 S7 u
requirements.
$ v( f' K6 I$ r/ g7 i7 R5 Q1 A% @2 D- Borrowers with a satisfactory mortgage history; vocation will be% Y4 _1 C \; d; _- U- b2 ?
confirmed, and should suggest a reasonable future repayment ability.- P- ]' u7 M+ K. g1 }1 |" x- Z
- Discharged bankruptcies accepted with 12 months re-established credit.
1 Y. m% H0 j0 {" p- No double bankrupts. Applications accepted from new immigrants0 c6 X, {$ U. W6 [2 y0 w+ `. p
8 K+ D" N9 \/ U" D9 Y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，
* y" { E1 k0 j8 P. E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。: L! f, Q4 V5 Y1 h4 y( {
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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
