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Kathy Wang

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以前旧政策可以用5年固定真实利率来qualify贷款金额,而自201811日起,则需要用央行Benchmark Rate(现为5.14%)或真实利率加2%之较高者来作qualifying rate以前利用5年固定利率获得较高贷款额度的借款人,现在就批不到那么高的额度了。据粗略估算,不算其它债务,以前也许最高能贷到收入的7倍,新政后可以贷款的倍数会减至5~5.5倍。








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。





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。









  • 正常报税,不要试图少报漏报,特别针对自雇人士,尤其当你知道自己需要申请贷款的前两年;

  • 保持良好的信用记录,不要迟付信用卡或电话账单,不要过多使用信用卡额度,一般来说使用额度不要超过总额度的50%

  • 工薪一族,在贷款申请前尽量不要转行跳槽,转成佣金占比较高的工作或开始创业;

  • 不要在贷款申请前贷款买车或lease车;

  • 如果要购买投资房,应尽早把首付款准备好,在帐户上要呆满30-90天(视具体贷款银行规定而定);因为投资房的首付一般不允许是赠与的





 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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