How to Get A Self Employed Loan! 自雇人士贷款［支招］ скачать в хорошем качестве

How to Get A Self Employed Loan! 自雇人士贷款［支招］

Self Employed Loan - How To Get One If You're Self Employed 自雇人士贷款 Neil Carstairs, Mortgage Corp (墨诚信贷) 房产投资贷款专家 the property investment mortgage specialist We’ve recently got a lot of enquiries from self-employed on, “How do I get a loan if I’m self-employed” 目前很多自雇人士的咨询都是围绕着，“如果我是自雇人士，究竟如何成功拿到贷款？” Self Employed Loans are what we specialise in. 自雇人士贷款是我们的特长。 Self-employed clients are people that either own a company or are working under an ABN 自雇人士是指那些有自己公司的老板或有ABN的自由职业者。 you lodge your own tax returns for your company or business rather than getting payslips from an employer. 作为自雇人士，你为自己公司／生意报税而不是拿工资单。 being self employed, the #1 thing we have to look at is ABN. 作为自雇人士，我们首先必须考虑的是你的ABN。 You need to have had an ABN for at least 2 years. ABN的历史至少要有两年。 We also look at two years tax returns for yourself or your company 还有近两年里你个人及公司的税务记录， and/or your company and profit and loss statements. 还有公司的年终财务报表（盈亏表）。 This is where it gets a little bit different from lender to lender. 贷款机构／银行在这方面要求各有不同 Some lenders will assess you on two years worth of business income, 有些贷款机构会评估您近两年的公司收入， so whether it’s your income, business income, we put it together, 所以我们会把你个人和公司收入一起算， Other lenders will go off the most recent financial year as long as we supply your last financial year 而有的贷款机构只需看最近一个财年的收入，这样我们只需提供您上一年的收入证明， and have a reason for any differences that might be. 如果有出入，能解释为什么有出入 Being self-employed, there are a lot of benefits 自雇人士有很多优势， driving a company car that you possibly use for 80% business. 开公司车，只要80%的时间车是用在公务上就可以 you might have as equipment where we can look at things for adding back, we call depreciation. 如有购买公司设备，我们可以想办法将设备费用算回到你的收入中，我们称其为折旧。 And there’s interest. 然后还有利息， This is where it gets even trickier 这就变得更加复杂了。 Our job as a broker is to maximise your borrowing capacity based on your needs and requirements 作为贷款中介，我们的工作是帮你借最多的钱，当然是根据你的需求 And the information that your accountant provides us 及会计师提供的信息来决定。 Here is what we call a full-doc, you have access to all products from a bank and you generally have access to a lot more lenders. 全文件贷款，可以考虑银行所有贷款产品，同时一般有更多贷款机构供选择。 Whereas if you go low-doc, there’s only a few different lenders that specialise in low-doc lending. 而考虑少文件贷款时，或许只有少数几家专业贷款机构专营这类。 Whereas full-doc, a majority of the lenders have a policy or product that will suit most clients across the board 对于全文件贷款，大多数贷款机构会有明确的贷款政策或一款产品适用于绝大部分申请人。 When you borrow here, you can potentially borrow up to 90%, 95%, not a problem. 如果像这样的全文件贷款，你将有机会借到90%，95%，没有问题。 When you go here, we’re talking 60%, 70%, 80% loans. 如果像这样的少文件贷款，就可能只有60%，70%，80%的贷款。 We’re talking much higher interest rates, sometimes up to 2% more by being a low-doc versus being a full doc. 这两种贷款利率差异很大，少文件贷款有时候比全文件贷款多2%的利率。 Secondly, fees, a lot of these second-tier, third-tier lenders have higher fees, application fees, risk fees, valuations and 其次，费用。许多小的二、三级贷款机构费比较高，比方说：申请费、风险费、房屋评估费 legal which could apply here also 还有可能涉及到律师费。 I’ve written a lot of articles on our website, www.mortgagecorp.com.au 我还写了很多相关文章，详情请登陆公司网站， www.mortgagecorp.com.au/chinese-mortgage-broker I look forward to speaking with you soon. 期待你来电 1300 138 943 咨询.