解读高净值贷款政策

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Kathy Wang

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几年前曾风靡一时的高净值贷款政策兜兜转转又重新回到市场了。最近多家银行都颁布或重申了高净值贷款政策。Scotiabank也自去年关闭了自雇特殊贷款政策,收紧了新移民和非居民贷款政策之后,于3月15日公布了高净值贷款政策。

 

高净值贷款政策主要是针对拥有高资产,但收入较低,TDSR(总偿债率)不够申请贷款的标准的客人。

 

首先,对于高净值的贷款申请人也并非是完全不看收入的,同样得用收入来计算GDS和TDS ratios。当TDSR大于44%,小于或等于60%时,最高贷款比例可以达到80%;当TDSR大于60%时,贷款的最高比例为65%。

 

其次,高净值只计算流动资产,按$1资产对$1的比例,来获批贷款。就是说除了首付款之外,对于TDSR超过44%以上的贷款部分,你还需要有相等于余下的贷款金额的流动资产来满足net-worth的要求,而且最低不能少于$250,000。举例说明:如果按收入你只能贷款$150,000,如果你要申请的贷款金额为$200,000,尽管差额只有$50,000,但还是需要流动资产不少于$250,000; 当贷款金额为$600,000时,差额为$450,000,则需要流动资产不少于$450,000

 

那么,合格的流动资产包括哪些?

·       加拿大股票

·       联邦/省府的债券

·       GICs

·       银行存款(支票账户/储蓄账户)

·       Mutual Fund

·       TFSA

·       公司股票

·       已出售的物业产权(要求有Firm的售房合同,并在贷款申请日3个月内交接,不能是私售)

·       退休账户—RRSPs & RRIFs—按70%计算(扣税后),锁定的退休账户不能计算(如 LIRA, LRSP, or LRIF

 

对流动资产的其他要求:

要求账户持有人要于贷款申请人一致。提供该资产在账12个月的记录。投资账户,按12个月的平均值来计算。

 

按高净值来申请贷款的客户,首付款不能是赠与的。

 

Net-worth Program(高净值贷款政策)是对用收入来申请贷款的基本贷款政策的补充。对于能够利用该政策来贷款的客人来说应该是一大利好。详情还请咨询贷款专家。

 

 

 (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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