新政下的贷款策略

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Kathy Wang

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201811日开始实施的贷款新政给贷款申请增加了难度。最近接到客户的咨询电话很多时候都是以想了解新政后还能带到多少款为开场白的。所以,首先我把贷款新政所带来的主要变化给大家总结如下:

 

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。

 

那么,针对贷款新政,又有哪些策略可以规避贷款受到的影响呢?

 

首先,看看自己是否可以利用以下三种特殊贷款项目不用收入来取得贷款:

  

1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。

 

2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。


3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。 

 

如果很不巧,自己跟上面三项特殊政策均沾不上边,那么,就一定要用到年收入给自己贷款了。为了让自己的贷款额达到最高,请一定做到以下几点:  

  • 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

 

贷款新政确实对贷款金额有收紧的作用,但任何时期贷款政策的调整都是正常的。只要对自己的负担能力有一定程度的了解,不过分借贷超出自己偿还能力的债务,新政对您的影响就是有限的。

 

 (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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