• Jeffrey Niu

原创 | 不震惊不实锤,安静的做个新政解读

Updated: Mar 28, 2019



关于CIBC的最新贷款政策变化,网上已有部分披露,现针对政策变化做进一步解读:


New Comer to Canada Program

解读:

1、 新政限制新移民为登陆一年以内,登陆一年以上的移民需要用本地收入申请贷款

2、 首付二成的前提是收入能够满足贷款要求;因为新政按照income qualify来审收入,因此与income qualify program的最低首付比例看齐也属正常

3、 登陆一年以内提供本地收入证明或job offer的要求相当苛刻

4、 最多购买一套自住房比现有政策减少一套

5、 政策要求信用分数不低于某分值,意味着:即使新移民一登陆就马上申请信用卡跟银行建立往来关系,也至少得等待2个月以上信用分数才有可能在系统上体现。如果查不到信用记录或信用分数低于某分值,借款人必须在交割日前60天提供一年本息还款额存于银行账上,依然逃不过2个月的等待。

High Net Worth Program

解读:

1、50万加元流动资产存于某行同时要求最近2年NOA,贷款额度仍按收入计算,与流动资产没有关系,虽然GDS/TDS比新移民略有提高,对额度提升效果有限;

2、即使可以把投资收益、房租等计算在内,收入不足仍将会是大部分借款人碰到的最大问题;

3、最多购买两套限制了金主们希望贷款买十套八套物业的美好心愿。

4、试想,某金主在加国报税收入高,拥有高额流动资金,那么直接按income qualify贷款即可,其他program贷款条件甚至更为宽松。

关于海外收入的认定

可以用海外收入来申请,但需要提供加拿大税单显示申报的海外收入额度,以此计算能承担的贷款额度,不提供证明将无法用海外收入贷款。同时,还需要提供海外credit bureau 披露海外负债情况。

这一条明显触及了金主们敏感的隐私神经,相信不少金主们如果真的要买,宁可全款自付,也不愿提供那么多敏感信息。

更为重要的是:CIBC新政体现的是政府和监管的态度,意味着其他大行将在近期跟进实施类似政策(传言2月底前各大行均会做类似调整)。

票圈疯传的所谓对策,风险极高且已引起某行监管注意,具体贷款操作请直接与房贷顾问沟通。

What's next

Contact​​
 

First time buyer or refinancing?

Call for a free quote!

Apply Now
 

We shop for the best mortgage option at no charge to you.

Calculator
 

Crunch the numbers and explore your options!

2010 Winston Park Drive, Suite 200

Oakville, ON L6H 5R7

TOLL FREE TEL: (844) 644-1818

TOLL FREE FAX: (844) 644-1819

info@primemortgagebroker.ca

CONTACT US

 2010 Winston Park Drive, Suite 200

Oakville, ON L6H 5R7

TOLL FREE TEL: (844) 644-1818

TOLL FREE FAX: (844) 644-1819

info@primemortgagebroker.ca

PRIME is part of TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800 qualified and accredited mortgage brokers, agents and associates providing residential and commercial mortgage services. Since 1990, TMG has helped over a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast.

TMG The Mortgage Group Inc. Lic#: 10315

8 - 70 Yorkville Avenue,Toronto, ON, M5R 1B9

TOLL FREE TEL: 1-877-677-8462

TOLL FREE FAX: 1-855-604-3069

MCFMortgageLogo-HiRes-300x90-300x90_edit
marathon
equit_edited
B2B-Bank_edited
brookstreet_edited
duca_edited
first national_edited
icici_edited
ICSavingsCU_edited
ht_logo_edited
lendwise_edited
maridian_edited
mcap_edited
streetcapital_edited
optimum-mortgage_edited
td_edited
xceed-financial-credit-union_edited
the right mortgage_edited
wealthone_edited_edited
scocia_edited
MCFMortgageLogo-HiRes-300x90-300x90_edit
marathon
equit_edited
B2B-Bank_edited
brookstreet_edited
duca_edited
first national_edited
icici_edited
ICSavingsCU_edited
ht_logo_edited
lendwise_edited
maridian_edited
mcap_edited
streetcapital_edited
optimum-mortgage_edited
td_edited
xceed-financial-credit-union_edited
the right mortgage_edited
wealthone_edited_edited
scocia_edited
  • Grey Facebook Icon
  • Grey Twitter Icon