 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：7 q7 p: G2 z$ }4 l' M
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The N.I.Q. Borrower (each deal on its own merit).
9 k7 n& z1 J( c: |- Self-employed or commissioned individuals with stated income.
# N6 z) e7 ?5 C) C+ M' ~& {) |- Salaried individuals with a GDS/TDS that does not meet traditional bank: c% ?% l4 W" @2 m" Y1 }# T0 ^
requirements.. @. W" H& ^) P
- Borrowers with a satisfactory mortgage history; vocation will be
, b' I% a, k: \: rconfirmed, and should suggest a reasonable future repayment ability.
0 P0 A9 k* Z+ C- Discharged bankruptcies accepted with 12 months re-established credit.
9 W0 X( v# `6 J7 g3 s- ^- 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，/ h0 n/ m5 \. S! F& g9 T8 Y
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！/ Y( f: I7 ]# J. |2 k# N# M! l6 S
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楼主: 郭森房贷
狗仔卡
发表于 2012-6-24 12:54
显身卡
