房屋按揭,抵押贷款(Mortgage)? 请找 Mark

[xiaolu]

Mark (Zhaohui) Ren

[Mark]

感谢站长和各位渔友的鼓励, 支持! 我会经常更新利率, 服务大家贷款需求.

MC_Logo_Red_Blue_on_White_Horizontal.jpg (10.46 KiB)

The Mortgage Centre of Canada, one of the largest mortgage brokerage of the country. We provide more mortgage solutions than any bank and serve client's best interest.

Agent Lic.# M11002371, 真实，透明，诚信。来电查询您最好利率。mkrencn@gmail.com / CE: 647-230-5670
YOUR CHOICE OF MY RATE OR BEAT OTHER OFFER BY 0.01% !
中意大银行? 我们代理 Scotia, TD, National Bank且利率低过分行.
选择低利率? 我们代理的 Non-bank Lenders 提供低于银行的利率.

促销: 5年浮动 2.25% P-0.75%, 60天到期, 报税收入, 自住.

灵活: 3年浮动 2.35%起 (P-0.55% to P-0.65%), 适用报税收入.

5年浮动 2.40% 起 (P-0.50% to P-0.60%), 适用自雇收入.

新低: 5年固定 2.85% - 2.99%, 30-120天到期, >$20万.

3年固定 2.39% - 2.49%, 60天到期, 适用报税收入, 自住.

银行促销利率(固定): 2年2.49%, 3年2.69%, 4年2.77%, 5年2.99%

零费用融资(Free Refinance: Cover Legal & Appraisal fee). 限自住, 报税收入, 信用650+, 贷款$20万-$75万, LTV<75%, 5年固定利率3.19%.

加拿大咨议局(Conference Board of Canada)预测按揭利息于2017或2018逐步上调2%. 届时5年固定利率在5%左右. 专家建议锁定5年固定利率, 避免利率上调冲击.

贷款方案 (Mortgage Solution):

换房: 利率低于原银行, 减免罚款.

收入不足: 首付20%-35%, 各种方案, 利率好.

自雇: 首付5%起. 首付20%-25%-35%, 无须买贷款保险, 限自住.

自雇(佣金类): 最佳贷款方案! 首付35%, 自述收入, 无须证明, 限自住.

新移民: 5年内登陆, 首付35%, 无须收入证明, 众多好利率选择.

非居民: 首付35%, 用国内收入;首付50%, 无须收入证明, 最高可贷$75万, 利率好.

民商两用: 商用面积占20%-30%, 可按民宅贷款利率.

投资房: Multi-family properties upto 5 units, 可按民宅贷款利率.

商业贷款(大): 首付15%-25%, 5年利率3.50%起. 贷款额$25万-$50万起. 灵活, 快速, 低利率! 启动沉淀资本, 自己做 Commercial Landlord. 投资热点: Rental multi-family properties (5+ units), Retail Plaza, Office, Industrial, Self Storage.

商业贷款(小): 首付35%, 5年利率4.25%起. 首付25%, 5年利率4.89%起.

提示: 区分,选择贷款类型

Standard mortgage (transferable) - 标准贷款可转出, 利率好.

适合融资的贷款 - Collateral mortgage 包括 TD, National Bank, ING, HSBC 及各大银行捆绑式贷款(mortgage+HELOC; fixed+variable rate). Refinance融资时省去legal fee. 此种贷款不能转出(non-transferable).

易进难出贷款- LONDON LIFE, INVESTOR GROUP MORTGAGE. 流通量小, 转出受限制. RENEW RATE非常高.

提示: 新法规定对客户的影响是5年固定贷款容易批下或批得更高贷款额. 其他期限固定或浮动贷款则反之. 如没有任何其他个人债务, 首付20%以上, 选择5年固定利率和30年还款期, 贷款额可达家庭税前年收入的6倍。

如首付低于20%, 要由按揭贷款违约保险公司审批且有保费. 由于保险公司执行25年最长还款期, 此类申请人最高贷款金额是税前年收入的4-5倍。

Not another brokerage: Mortgage Center Canada is A lender - MCC Centric Mortgage. 标准贷款可转出, 利率好. 20%+20%还款规定.

贷款申请方式：
网上申请，Apply Now! Go to link: http://www.mortgagecentre.com/zhaohuimarkren;
电邮 mkrencn@gmail.com 索取申请表格，或预约面谈。

24小时速批贷款。索需资料如下：
- Mortgage Application Form - 贷款申请 (需签名)

- Photo ID- 个人证件

- Employment letter & pay stubs - 雇主信及工资单

- Purchase and Sale Agreement - 买卖房合同 (New Purchase)

- MLS Listing (New Purchase)

- Proof of Downpayment - 首付证明 (New Purchase)

- Current mortgage Statement (Switch, Refinance, ETO)

- Property Tax Statement - 地税单 (Switch, Refinance, ETO)

[XUYCA]

我的房屋贷款就是MARK做的。利率很好。还有几位鱼友也是MARK做的。MARK为人诚实热情，服务周到，利率好。值得信赖。

[Mark]

院长及渔坛上的渔友都是上乘客户. 正所谓亲近大自然的人都淳朴. 院长是有福之人, 赶上利率上涨前锁定. 之后, 5年固定利率一度上升到3.59%, 现有回到3.09% - 3.29%. 专家预测2014下半年固定利率又将上升.

[Mark]

London Life Renew Offer

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London Life mortgage is very popular among high income and high credit clients in our community esp. 2.29% 1 or 2yrs fixed rate. Other terms are not competitve.

Most A lenders with competitve rate don't accept London Life mortgage. That is the reason London Life renew rates are extremly high.

易进难出贷款- LONDON LIFE, INVESTOR GROUP MORTGAGE. 流通量小, 转出受限制. RENEW RATE非常高.

[Mark]

Hi everyone,

I know everyone is talking about this 1.99% rate. Clients need to be aware of the restrictions attached.

Here are what I got from Investor Group website about this product:

"These promotions are closed terms that are not eligible to be paid out, refinanced, early renewed or extended prior to maturity of the term (except upon the bona fide sale of the subject property)."

"Payments are based on the 3 year fixed posted rate at the time of funding."

Higher Payment: mortgage payment is calculated based on 3 yr posted rate, which is 3.75% right now. It does not fit the clients who care about their monthly cash flow.

Rate conversion Option: Lock into a fixed rate at any time (Note: Investors Group typically doesn’t have the most competitive fixed rates)

Refinances: Not allowed before maturity. This means you can’t refinance your mortgage for any reason during the term of your mortgage.

Early Renewals: Not allowed

Early breakage: Not allowed unless due to a bona fide sale of the property. This means you have to sell your home if you want to break your mortgage.

Collateral Charge If you want to switch your mortgage to another lender at maturity you’ll need to pay legal fees to switch your mortgage.

[Mark]

Bank Promotion Rate: 2.29% 2-year fixed rate
- 120 days rate hold
- For purchase, transfer, refinance
- Up to $500 rebate for transfer or refinance from another lender

[Mark]

Below is list my niche mortgage products for your record.

- Better than Banks rate. For rate sensitive clients whom wish for lowest rates.

- New immigrants program. 35% down payment from own source, NO income required.

- Old immigrants living oversea most of time. 50% down payment from own source, NO income required.

- Business for self program. Solutions with 20% - 25% - 35% down payment. NO mortgage insurance.

- Commission income. Best program for commission income applicant with 35% down payment from own source.

- Income not sufficient. Applicants with income source and 50% down payment from own source.

- Rental Investor. Best rental program accepting 100% rental income offset to qualify deal.

- Property with separate entrance basement apartment. Accept basement rental income to qualify deal.

- Clients with credit issue. offer B lenders and better than B lender rate solution.

- Clients with cash income component like chef, cook, waiter / waitress etc.

- Commercial mortgage (small & large, good rate)

Let me know if you have any question. Thanks!

[Mark]

内部消息: 因为债券成本提高, 5年固定下周上3%. 不知将持续多长?