2019年 11月 15日 星期五  
CIBC最新贷款政策细节

【仅供参考,请联系CIBC贷款经理】:


1.新移民非居民留学生政策统一列为foreign income program;
2.最高贷款比例65%,上限3mm;
3.海外business owner提供营业执照以及最近两年公司财务报表;
4.海外雇员提供工作信(写明工作年限职位年收入信息,可是中文,无需翻译和公证,为显明其真实性,建议加盖公章),或者最近两期工资单,或者最近一年银行收入存入记录;
5.留学生需要父母做担保,可接受POA签字(加拿大本地律师签署的POA);
6.在貸款申請递交前,MA需要corfirm首付款以及一年貸款还款额在申請人自己名下的海外帳戶或加拿大銀行帳戶,沒有存期要求,包括股票理财以及存款等流动资金(房产等固定資產不接受);
7.首付款以及一年还款额度在交接日前15天需要转入申請人加拿大銀行帳戶;
8.接受POA交接,无需直系親屬;
9.貸款利率和本地居民相同,分摊Amort最長25年。

 
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