Flexible Mortgage Flexible Mortgage Flexible Mortgage
Flexiblemorgage Investment Szh KarenLin Flexible Mortgage 张蓬11年经验!加拿大房贷中心BrokerOwner - 服务黄页 - 加国无忧
Flexiblemorgage Investment Szh KarenLin Flexible Mortgage
Whether you are a first time buyer, self-employed or looking to refinance, Angela will work along with you all the way to provide you with the most competitive product.
Angelap Zhang, CFP
Principal Broker/Owner | AZMS Mortgage Solutions Inc. I License#12145
We‘re growing and hiring!! We are currently seeking new and experienced agents to join our team!
- Are you looking to work with experienced brokers that share ideas?
- Are you passionate about helping people and making money the same time?
- Are you motivated to have your own career, not just a job?
- Do you want to have unlimited Earning Potential and work flexible hours?
If you are ready, we are here to help! You work for yourself, but not by yourself!!!
We are an independent franchise of The Mortgage Centre, one of the largest Mortgage Brokerage in Canada.
We offer great programs and support:
- High Commission split in the market
- In-house full support by an experienced mentor
- Free online underwriting course
- Direct Access to Underwriters
- Office space to meet clients or host seminars
- Daily updated interest rates and product guidelines
- Full Access to private lenders
- Ability to offer competitive rates to your clients. The followings are some of the lenders that we deal with:
TD, CIBC, Scotia, National Bank, Laurentian Bank, ING Bank
Industrial Alliance, Merix Financial, Street Capital. etc
2 years experience in mortgage and real estate industry is preferred, but not required. Please contact me for a confidential meeting. Tel 416-558-7048 or Email: angela
@azmortgagesolutions.ca
Recent articles on Norstar Real Estate Weekly.
近期发表在北辰地产周刊的贷款文章
Dec 17, 2011
先交接，后装修，能把装修费用一并加入房屋贷款中吗？
张蓬 416-558-7048
案例一：你千辛万苦终于找到了理想的房子，唯一不满意的是地下室没有完成。你计划在交接后马上装修地下室，可是没办法拿出装修所需的35，000，你的个人LINE OF CREDIT限额只有15，000， 利率也太高了， 你还能买这个房子吗？
案例二：屋主急卖房子，你也愿意趁机低价买入。 只是厨房和卫生间的年龄比你还大，需要彻底翻新，预计费用25，000. 你又不想在交接后， 马上又支付一笔律师费，做REFINANCE， 而且购房一年之内，大多数银行也不会批准。 怎麽办？
有一些银行提供此类“房屋改进贷款”，允许你将装修费用加入房价中，最高金额达改进后房价的95%，房款加装修款享受正常的房屋贷款低利率， 分摊在25年还款期限，资金压力会大大减小。
以第一案例为例：
房屋价格： 400,000
装修费用：25，000
改进后价值：425，000
最高贷款额：425，000X95%=403，750
最低 首付： 425，000X5%=21，250
贷款操作过程：
1. 在申请贷款的同时，你需要提供装修的具体内容及报价，包括装修材料， 完成时间，自己做或装修公司名称，等等。
2. 银行认定并批准改进后的新价值。
3. 装修费用加入到贷款总额中。
4. 房屋交接时， 律师从银行收到正常的首付以外的贷款，顺利完成交接。
5. 银行验收，确保全部装修工作完成。
6. 律师再发放装修费用给客户
注意环节：
1. 有些银行对装修金额有限制，例如不得超过房价的10% 或者40，000.
2. 取决于具体银行， 装修工作必须在交接后30-90天完成
3. 如果装修金额不大，例如15,000 以内，有些银行免掉验收
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