2. Personal materials at work:
(1) Work letter, company stationery, indicating the company name, detailed address, mobile phone, sending a fax, indicating the applicant's full name, whether full-time, working hours and position, and the salary in our company is gradually increased.
(2) Payslip, the payslip given by the company. Some banks will continue to need to provide pre-T4 or NOA from the Inland Revenue Department.
(3) Personal materials, such as ID cards, invalid checks and some personal information.
3. Material: Before the next paragraph, the insurance company stipulated that the liquidation fee of +65438+ 0.5% of your purchase price had been in the institution for a long time.
Loan problem: Can foreigners borrow money from Canadian banks to buy a house? What is the loanable amount; Is it related to the age of the house and the age of the consumer?
Canadian families can easily borrow 70% of the house price, and non-Canadian families can borrow 60%-65%. The loan can be repaid in installments within 20-25 years. At present, the interest rate of bank loans is slightly lower than that in China. It has nothing to do with the age of the loan house, and basically has nothing to do with the age of the consumer. It also shows Canada's confidence in bank housing prices in some ways.
What are the precautions for Canadian housing loans? First of all, we must understand the initial interest rate, mortgage interest rate, down payment amount and penalties for overdue repayment.
Second, don't confuse pre-approval with pre-qualification. There have been great differences between the two in the real estate industry. In fact, there is no explanation for these two achievements in the real estate dictionary, and it is impossible to define their meanings.
There is a saying that prequalification means that the loan company can infer how many loans it can provide to everyone based on some data. If you get the pre-approval card, it proves that the loan company has checked the information you submitted, and under certain circumstances, you can establish the deposit interest rate. And some loan companies interpret it the same way.
Therefore, if you negotiate with a loan company, you must ask them in advance how to judge the two appropriate terms of pre-approval and pre-qualification, and what rules are there to obtain loans.
Third, you can't apply for too many bank credit card accounts. Too many cards show that your personal credit record is poor, even if you always pay back the money on time, it is useless. So applying for too many bank credit cards is equivalent to refusing loans.
Fourth, when handling loans, don't make false information. When you applied for a mortgage, you exaggerated your salary. After being discovered, the loan company will get the loan back, although it is not easy for you to go to court.
You don't need to sign the housing loan application form before it is finished, because the loan company has been fishing for fame and reputation, so that customers can find that the mortgage loan amount can't be pressed after signing it.
Fifth, you don't have to hide when you can't repay the loan. In this case, many people refuse to answer the phone or receive the dunning letter. In fact, loan companies have many ways to deal with this kind of thing, such as taking back collateral or houses. But they don't usually do this, just talk to borrowers about their difficulties. If you hide, the loan company can't help it.
Sixth, there is no need to bypass the new house acceptance step in order to save trouble. The new house inspector will help you check the house carefully from beginning to end, telling you whether there is any water leakage in the roof and basement of the villa, whether there is any equipment in the house and how long it will last. They must be better at verification than you. So don't deposit 300 ~ 400 yuan.
Seventh, you don't need to find a real estate agent to sell a house. Every real estate agency is different. Ask them how they want to sell your house in the market, what decoration you should do to make it more attractive and how much the house is worth. If his response is not satisfactory, find another real estate agent.
Eighth, it is not necessary to easily find a house interior decorator. It is not easy for a good decorator to decorate your home, and he will not bargain on the cost. You can consult the old customers of interior decorators, their suppliers, better local trade bureaus and customer affairs management agencies.