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[av_heading heading=’自雇人士及企业主置业贷款的选择-Alternate Documentation Loan’ tag=’h1′ style=’blockquote modern-quote modern-centered’ subheading_active=’subheading_below’ show_icon=” icon=’ue800′ font=” size=’6vw’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’20’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=’custom-color-heading’ custom_font=’#000000′ icon_color=” margin=’0′ margin_sync=’true’ padding=’0′ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlmaffj’ sc_version=’1.0′ admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]

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[av_heading heading=’导语’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlmbjwy’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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众所周知,所有借款人的情况都不尽相同,这就是为什么在贷款方面永远没有一种万能的办法。

对于大多数具有良好信用记录的全职雇员,您将可能有多种选择,并且能够查看常规的住房贷款。

要获得常规住房贷款,您可能只需要三个月的工资单或两年的纳税申报表即可。一般来说,常规住房贷款要严格得多,这就是为什么我们看到一些利率很低的常规住房贷款的原因。

但是对于个体户和企业主,它并不总是能够提供两年的报税单的或工资单。对于这些类型的借款人,还有其他途径可以为置业筹集资金,其中之一是通过提供替代文件(alt-docs)。

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[av_heading heading=’何时使用alt-docs’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlmctka’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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贷款人提供替代文件的贷款通常需要三个月的个人银行对账单和6个月的商业活动报表和商业账户银行对账单,或者甚至可能的会计师声明。

鉴于替代文件贷款的借款人收入并不像现收现付(PAYG)的员工一样清晰,因此贷款的利率一般会较高,也有可能也会产生较高的贷款申请费和设置费。

需要特别注意的是,仅仅因为您可能是自雇人士或企业主,并不代表您需要使用替代文件贷款。如果您有两年的纳税申报表并且拥有良好的信用记录,那么您应该能够获得较低的利率的常规住房贷款。

但是,如果您的企业最近收入大幅增长,并且您希望获得一笔较大的贷款,那么值得考虑选择替代文件贷款。同样,如果您过去曾遇到信用问题,并且已经解决了这个问题,那么也可以选择替代文件贷款。

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[av_heading heading=’关于alt-docs的一些说法’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlmdljh’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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有一些关于替代文件贷款的说法,最主要的一个说法是,您无需任何文件就可以获得贷款。这一说法目前已经不存在了,您还是需要一些文件来证明您有能力偿还贷款。第二个说法是,大银行不接受这类贷款。在许多情况下,大型银行有足够的能力来应对不同程度的风险,因此他们在无需借款人提供完整文件的情况下也可以审核其贷款。

再次,关键是与贷款经纪人交流,他们可以快速了解您的个人情况并为您提供适合您需求的正确解决方案。

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免责声明:本文所涉及的事实信息仅供参考,信息不能用于购买投资相关产品及服务、金融产品或替代专业会计、税务、法律或其他专业咨询者提供的咨询意见。在作出决定或采取行动前,您应咨询海嘉会计师事务所专业金融或税务服务人士。尽管我们尽力保证信息来源可靠性以及编译的准确性,但海嘉会计师事务所不对任何信息出现差错或遗漏,以及因使用该信息而获得的结果承担法律责任。

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