不看收入的贷款政策一览

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Kathy Wang

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随着进入2018B-20政策的实施,房贷市场风声鹤唳,贷不到款的恐慌情绪蔓延。实际上,B-20针对的是需要用收入来qualify贷款的客人。目前市场上仍然存在不需要提供收入证明就能贷到款的特殊政策,看看对您是否能够适用?

 

新移民贷款政策

 

登陆3年以内的新移民, 购买首套自住房, 首付达35%或以上,贷款金额不超过100万不需要提供收入证明。要求提供除首付以外的相当于12个月本金、利息、地税、供暖的净资产,一般来说相当于5% 的房价。

 

这就是说,如果购买153.8万以内的房产,只要手中有40%的资金,最高能贷到100万。需要注意的是:所有资金需要在交房前至少30天到达加拿大帐户,并且还需要提供30天的在帐记录,所以资金越早到帐越稳妥。

 

非居民贷款政策

 

完全没有本地身份的海外居民(请注意:这里非居民不包括学签或工签持有者),购买首套房产用于自住或度假,首付达到50%或以上,贷款金额不超过75万,不需要提供收入证明。要求提供除首付以外的相当于12个月本金、利息、地税、供暖的净资产,一般来说相当于5% 的房价。

 

也就是说房价不超过150万,就可以贷到50%;当然你可以买更贵的房子,只不过超过150万的部分就要全部纳入首付了。需要注意:所有首付款和净资产资金需要在交房前至少30天到达加拿大帐户。

 

自雇人士贷款政策

 

对于报税收入不足的自雇人士来说,如果是购买首套自住房,生意注册超过两年,可以按照所从事行业的年均收入来声明年收入用以计算贷款金额,贷款金额不能超过60万。需要注意的是,这里所说的自雇人士需要拥有自己的生意注册,对于没有自己公司赚取佣金收入的人士(例如:地产经纪)不适用。

 

需要注意的是:声明年收入金额要合理,如果明显高估收入,那贷款也是批不下来的。

 

 

以上是现行的不需要提供收入证明的贷款政策。请注意,贷款政策跟利率一样是随时会发生变化的。近两日,坊间传言某行将取消新移民和海外居民政策,是否属实尚无定论。因此,如果你有贷款需求,请尽早咨询贷款专家,确保政策没有变化,提早落实贷款。

 

 

 (本文仅代表个人观点)

 

如有问题欢迎随时致电Scotiabank房贷专家Kathy(王雷) 647-291-7958,或加微信kathywl

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