领了CERB就贷不了款了?

Cobra

听说现在银行贷款方面对领过CERB的人，underwriter这里查的非常紧。只要领过就代表失业，家庭总收入CERB这部分不能算在申请之中。

如果领的同时还有其他收入，就代表fraud，一律不批。

如果要refinance或申请heloc, 申请过mortgage deferral 贷款延交的暂缓拖后再批。

感觉现在银行对风险控制的有点太紧了。现在一共有7百万领了CERB，感觉大约30%-40%的家庭会受到影响。如果银行政策不变的话，潜在买卖房的人数上会大大减低。未来几个月将会是低成交市场为主。然后2021年环比可是非常可观的。


原文出自这里：http://forum.yorkbbs.ca/property/5121129.aspx

此前的相关新闻在这里：http://www.hutong9.net/forum.php?mod=viewthread&tid=430787

deep

应该会有关联

rightonmoney

只有这样，一个国家，一个社会，才可能真正地鼓励老百姓通过创造财富，而后获得财富。

投机的零和游戏最终是没有赢家的。

Cobra

rightonmoney 发表于 2020-5-13 01:34 PM
只有这样，一个国家，一个社会，才可能真正地鼓励老百姓通过创造财富，而后获得财富。

投机 ...

Cobra

deep 发表于 2020-5-13 11:38 AM
应该会有关联

当然，CERB就相当于领EI，领着EI怎么可以贷款。

Cobra

Reports of “CERB” Mortgage Fraud

A well-known mortgage broker recently took to Twitter to share an exchange between his team and an individual who tried to take the system for a ride.

The broker tweeted: “Us: Reviewing your 3 months (of) bank statements, we see your payroll deposits are going in every 2 weeks but we see a CERB deposit from the Government of Canada. Why is that?” the broker wrote. “Him: Both my cousins said it was fine, they just applied and got it, so I applied and got it.”

Long story short, the bank confirmed with the broker that it was cancelling the client’s mortgage approval on the basis of mortgage fraud.

Let this be a lesson to anyone out there who thinks they can pull a quick one on the Canadian government and mortgage lenders alike. These stories rarely have a happy ending.

不知有多少领CERB的在贷款时会被当作mortgage fraud处理。

Cobra

我听Broker说的，她有一个客户，申请贷款时说有工作，被lender查出来有领CERB，lender直接和那个broker说这个申请直接disapprove因为有fraud的嫌疑, 还告诉她CERB不会算在工作收入以内。