yook2000 发表于 2012-5-14 21:50:45

新移民在未找到工作前可否申请到买房贷款

过几天就登陆了,因为想在第二个宝宝出世前把房子先买好,所以想问一下新移民在登陆后,如果还没找到工作,是否可以申请到房屋贷款.国内有固定的店租收入,但产权写的是我父亲的名字,无法做为我的收入证明.

lamjin 发表于 2012-5-14 23:14:05

难 。

David-qd 发表于 2012-5-15 00:29:16

Yes. 35% downpayment.

yook2000 发表于 2012-5-15 00:43:25

Yes. 35% downpayment.
David-qd 发表于 2012-5-15 00:29 http://www.ourdream.ca/forums/static/image/common/back.gif
这种贷款是只有特定的金融机构才有还是各家银行都有,只是利率不同? 谢谢 了

David-qd 发表于 2012-5-15 04:00:12


这种贷款是只有特定的金融机构才有还是各家银行都有,只是利率不同? 谢谢 了
yook2000 发表于 2012-5-15 00:43 http://www.ourdream.ca/forums/static/image/common/back.gif
发给你的指南中有说明，对新移民，只是提高首付比例，其他都一样。各大银行都可以。

CICI 发表于 2012-5-15 12:02:48

可以，只是首付高一些，如果首付能够达到50%，连收入证明都不需要了，银行基本没啥风险了。:-D

yuangr520 发表于 2012-5-15 12:14:46

可以，只是首付高一些，如果首付能够达到50%，连收入证明都不需要了，银行基本没啥风险了。:-D
CICI 发表于 2012-5-15 12:02 PM http://www.ourdream.ca/forums/static/image/common/back.gif还好，我以为要100%，学习中

David-qd 发表于 2012-5-15 20:13:20

新移民35%的首付，不需要提供工作证明和信用记录。

yifan9889 发表于 2012-5-16 19:39:29

之前看的是30% ，不过以35%为准吧

liuqueen1 发表于 2012-5-16 20:28:46

可以，首付30%或35%，而且帐上必须有这个比例的存款。复印件提交就可以了。现在是新移民登陆三年内可以这个政策。

David-qd 发表于 2012-5-16 21:09:03

30%的首付，有的银行可以，有的不可以。 35%都可以。

yook2000 发表于 2012-5-16 22:00:49

前天发了邮件给TD,收到他们的回复,感兴趣的朋友可以看一下:
We are pleased to provide the following details regarding applying for a mortgage as a new resident of Canada:

Borrower Eligibility:

New Immigrant applicants will not have an established credit history in Canada and, therefore, must provide:

*Evidence of liquid assets (cash or cash equivalents only; foreign or domestic real estate not qualified) equal to 50% of purchase price
*Applicants must be residents in Canada (Landed Immigrant Status) or confirm an application for Landed Immigrant Status has been made and received/ acknowledged by Immigration Canada
*Verify that that no more than 3 years have gone by since the date of being granted the Landed Immigrant Status or date of application for the same, as applicable.
*Minimum down payment of $40,000.
*Gifted down payment not permitted.

Documentation Required:

*Satisfactory letter of reference from Bank in the country of origin.
*Confirmation of minimum 25% down payment plus closing costs, to be without recourse to additional borrowing and that the funds are in Canada, prior to submission of the application
*Confirmation of additional liquid assets equal to 25% of the purchase price, with 10% on deposit in Canada.
*Offer to Purchase and MLS listing (if applicable).

刘家大宝宝 发表于 2012-5-16 23:01:52

多伦多貌似不这样，我家客人新移民刚办完贷款，首付30%，银行无条件贷款，他们也是新移民，没工作，而且应该很长时间都找不到工作。太太怀孕了。

lilyhao 发表于 2012-5-29 10:21:33

谢谢各位的分享。
新移民没工作，银行对总的贷款额度有限制吗？

yook2000 发表于 2012-5-29 10:54:58

貌似没有.开户时问了TD客户经理,只说付30%,根本不理会我原来从TD收到的邮件.(见12楼). 找华人的客户经理吧,他们会帮你想些办法的.
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