• Jeffrey Niu

原创 | TD 新移民政策调整影响几何?



TD新移民政策的收紧并不突然,此次调整的部分内容从去年年底的审批案例中已经初见端倪。春季利率促销并非贷款政策松动的信号,一切要求向本地收入看齐是政策主基调。


TD政策的收紧可能牵一发而动全身。新移民贷款将不可避免的暂时流向其他政策较为宽松的银行。但在政府的监管压力下,银行内部已经对新移民贷款在整个贷款盘子中的比重进行了限制,比如某大行要求新移民非居民贷款不得超过总贷款的25%,如果超出比例,其他银行政策被迫收紧也是可以预见的。


对于潜在购房者,第一选择当然是在新政实施前尽快完成贷款审批。另一方面,也需要对房贷申请做好第二方案。现在其他几个对新移民政策相对友好的银行,在利率及首付款方面可能有更高要求,购房者应有所准备。

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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.

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

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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
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xceed-financial-credit-union_edited
the right mortgage_edited
wealthone_edited_edited
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