Yan Gong (MBA) Realtor - Alberta Real Estate 卡尔加里
龚彦 (MBA) TOP 1% 房地产经纪 ---------------------------- 新旧住宅 商业地产 ------------------因为敬业,所以专业;因为专业,所以信赖!

Calculators 房屋贷款


 

新移民

如您来加拿大不超过5年,只要有首付30%,我们都可助你梦想成真。如您有足够的工作或其他收入,首期更可低至5%。

学生签证工作签证

如您持有学生签証或工作签証,购买自住屋或出租屋;只要付35%首期,无论你有无工作,我们都可助你梦想成真。

 国外投资者

如您是外国人身份希望在加拿大购买出租屋;只要你能付35%首期,也可以贷款,享受与加拿大本地人同等低利率

投资出租屋

如您想购买出租屋,除自住屋以外,我们也可助您购买多个出租房屋在你个人或公司名下。

各类贷款

无论您需要为现有的房屋贷款或再加贷款,或是首次置业人士,或需要过渡期贷款,我们都可在种类繁多的贷款方式中选择最适当的方法,以配合您的特定需求。

正为收入或首期不足,无法取得大银行优惠利率贷款而烦恼?

新老移民 35% 首付,稳定存款,无需收入证明,即可申请贷款


首付20%,1万元以上年收入无不良信用记录,最高可以购入50万物业
保守计算:
20%首付,年收入1.6-3万可买30-56 万物业,贷款24- 45万 = 年收入X 10 倍或更多;

20%首付,年收入4-5万可买60-75 万物业,贷款48-60万 = 年收入X 10 倍或更多

20%首付,年收入6万以上可买80-100 万或以上物业,贷款64-80万 = 年收入X 10 倍或更多

自雇人士:最低10%首付,无需收入证明

另外,我们还可以做以下特殊情况的贷款:

自顾人士贷款、买卖同时进行时的搭桥贷款、整改过的大麻屋、特小面积的condo、

认可特殊收入(小费收入、业余工作、夫妻支持、退休收入、季节性工作收入等)

有Post Tension cable问题的公寓楼、有年龄限制的公寓楼

买房时附加装修费用贷款、多套投资房贷款

郊外住宅、土地交易贷款、各类商业贷款

无信用记录、信用分数低、破产历史等 

- No credit, Bad Credit, Bankruptcies

- and more......

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Mortgage


Mortgage Centre


Purchasing a home is one of the most important decisions you will make in your lifetime. Our morgage officers are the recognized suppliers. We can help take away the confusion and frustration to assist you in locating your dream home and a custom-tailored mortgage.

Our courteous professional manner will put you at ease, and allow you to focus on the enjoyment of home ownership.


Our experience and knowledge will provide you with the best advice as we guide you through important decisions you will make such as:
 
  • Where you would like to live.
  • Afford ability.
  • Commute to schools or employment.
  • Your personal interests.
  • Community amenities.
  • Your life style requirments.

    Everyone's needs are unique and we specialize in meeting those needs with our dedication to our customers.

    Having a mortgage pre-approval is esstential in today's busy marketplace and by contacting us we can contact dozens of lenders on your behalf in the time it takes you to book an appointment at your bank. Put our expert, unbiased, fast service to work for you.

    To get started on the process of a mortgage pre-approval please fill in our Morgage Application
     form.

    Thank you for giving us the opportunity to listen to your needs and dreams and help you achieve home ownership simply and affordably.

     

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