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用老杨网上计算器敲了一下:没有车贷,学生贷款,信用卡欠款,需要家庭收入$53800 (假设首付4万,你信用分达到685)方可批下来,买30万价格的房子。小信用社的房贷利息不低的,他们的人也要吃饭,股东也要回报。再说90%LTV的房贷,小银行不愿意碰。我试问过,一年利息约4.9%,小额贷款公司,年利息达10%,房子同样作抵押的。
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of course, it is almost the biggest purchase in people's whole life, it is not impulse purchase. Some broker must have the integrity.
3 H& Y `; B- L) mNot on a 10% down payment mortgage. If 35% or more, that is a different story.4 N% u$ Z0 s; b9 ^! z% W2 _
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4% vs. 2.59% for 5 year qualifying on 25 year amortization, his income has to increase 54% to qualify on the same note 4/2.59 = 1.5444 Will that make sense. Small credit union also need to observe the rule of lending, either CMHC, Genworth or CG.