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Each program is different. if you need to access additional income from your business in order to qualify, For financing between 65% and 90%, default insurance is required.

Are you self-employed and finding it difficult to arrange competitively-priced mortgage financing for your home? Visit RBC Royal Bank to learn how we can help.
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 自雇人士申请贷款找A类银行还是B类银行更划算
    假如一个餐馆老板想120万的独立房,首付20%,贷款需要96万。每年给自己报个人税4万左右。如果他想要更低的利率走A类银行,A类贷款用个人报税收入,基本上需要20万左右的报税收入,那么他需要交7-8万个人税,实际上很少人这样做。如果他B类银行申请,用生意流水收入,基本上需要20万流水,个人税少了很多。代价是贷款利息高1-2%,外加一次性1%经纪费。实际操作中每个人的情况都差别很大,申请贷款是一个综合考虑的规划,有时候,银行贷款利率不是唯一考虑的因素
    • 贷款经纪水平有高低的。
      • 餐馆都要关门了,还买房?先把餐馆生意保住吧。
        • 餐馆倒闭的很多,生意好的也多。
    • 不要误导,royal 一直可以用流水给small business owner 贷款,没有利息高和1%手续费一说
      • Each program is different. if you need to access additional income from your business in order to qualify, For financing between 65% and 90%, default insurance is required.
        Are you self-employed and finding it difficult to arrange competitively-priced mortgage financing for your home? Visit RBC Royal Bank to learn how we can help.
    • 不能一概而论,有时B类银行可以给好利率。看生意,个人收入,债务情况。