Sunday, August 10, 2008

REFINANCE AND/OR SWITCH, 增加贷款或转贷款,请提供 >>>

(from jason.wang@rbc.com)

FOR REFINANCE AND/OR SWITCH, PLEASE PROVIDE,

增加贷款或转贷款,请提供 >>>

1. PERSONAL INFORMATION: 个人资料:
RBC CLIENT CARD # IF YOU HAVE IT: # 皇家银行客户卡号码:
(如果您是皇家银行的客户:普通账户或VISA账户)
FULL / LEGAL NAME: 全名(和ID 上的相符)
SIN#: 工卡号:
BIRTHDAY: 生日:
SPOUSE > FULL / LEGAL NAME:SIN#: BIRTHDAY:
副申请人的全名(和ID 上的相符)工卡号:生日:
ADDRESS W/ POSTAL CODE, 地址:
EMAIL1, EMAIL 2,
TEL, 电话 HOME (家里), WORK(公司) ,
CELL1: (手机1)CELL 2: (手机2)
COPIES OF TWO ID: IE, PASSPORT, SIN# CARD, DRIVER LICENSE,
两份ID的COPY, 例如,护照,工卡,驾照,

2. INCOME: 收入
EMPLOYMENT LETTER, PAY STATEMENT, 工资收入:提供工作信,工资单,
FOR SELF EMPLOYED INDIVIDUALS PLEASE PROVIDE T4/T4A/NOA/T1 GENERAL. 自雇人士:过去2年的T4A, NOA, T1(个人报税), T2 (公司报税)
(如果您有会计师为您报税,您可以让会计师EMAIL 一份 T1 、T2 的PDF COPY 给我:JASON.WANG@RBC.COM )
2 YR EMP HISTORY INCLUDING CURR EMPLOYER:
EMP NAME, ADDRESS, TEL, PAYROLL DEP TEL #, WEBSITE, EMAIL, YOUR POSITOIN AND PAY
过去2年的工作经历:公司,地址,网页,收入,职位,电话,

3. DOWNPAYMENT AND OTHER ASSETS 首付以及其他资产
: BANK STATEMENT WITH 90 DAY HISTORY – PLEASE DO NOT JUST PRINT OUT A BALANCE. NEEDS YOUR NAME + BANK’S NAME ON THE STATEMENT PLEASE. WEB, ONLINE BANKING PRINT OUT IS OK. 银行月结单,过去90天的交易记录,请不要仅仅提供余额,您的名字,银行的名字,地址,网络打印出来的也可以。
IF THE FUNDS ARE GIFTED, PLEAES SIGN THE GIFT LETTER.
如果您的首期是赠与的,请让赠与人签赠与信

[其他资产] > 包括,定存,股票,基金户头, 请提供月结对帐单,
尤其是liquide assets, 现金类, 对您的贷款有很大的帮助。
房产证,(政府估价),车子,等。。。

4. information about current property & mortgages 有关现有房子的资料:

  • CURRENT VALUE OF YOUR HOME (IE, RECENT BC ASSESSMENT);
  • 房子目前的价值(最新政府估价);

  • MORTGAGE BALANCE (IE, RECENT MORTGAGE STATEMENT);
  • 贷款余额(贷款文件);

  • PLEASE SIGN "PAYOUT STATEMENT REQUEST FOR DISCHARGE PURPOSE" ;
  • 签署注销现有贷款的授权以及申请;

  • IF IT IS A RENTAL PROPERTY, PLEASE PROVIDE A COPY OF EXISTING RENTAL AGREEMENT; IF IT IS NOT RENTED YET, WE CAN ORDER "ECONOMIC OF RENT" LETTER FROM AN APPRAISAL COMPANY FOR YOU; PLEASE ALSO PROVIDE: PROPERTY TAX /YR, MANAGEMENT FEE /MONTH, --- FOR EACH RENTAL PROPERTY....
  • 如果这是一套出租房请提供现有的出租合同;如果出租房目前是空置的,我们银行可以让估价公司对租金进行评估; 同时也请提供每一套出租房的地税以及管理费细节。
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PLEASE FAX OR SCAN/EMAIL THE ABOVE INFORMATION TO ME AT JASON.WANG@RBC.COM IF YOU ARE SCANNING THESE DOCUMENTS, PLEASE SCAN IT AS A PDF FILE. PLEASE DO NOT USES COLOR MODE. 10 PAGES OF DOCUMENT SHOULDN’T BE >1MB IN A PDF FILE. PLEAES CHECK FILE SIZE BEFORE YOU ATTACHES IT. THANK YOU!

请将整理好的文件扫描,EMAIL 给我。我的EMAIL 是:JASON.WANG@RBC.COM 请将多页文件扫描到一个PDF 文件,大多数的情况下这份文件不会超过1MB.

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皇家银行贷款简介(中文)
http://jason.westca.org/chinese.mtg.basic.info.pdf
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RBC MTG PYMT CALCULATOR,

https://www.rbcroyalbank.com/cgi-bin/mortgage/mpc/start.cgi

*** PLEASE NOTE THIS IS PROBABLY THE ONLY ONLINE MORTGAGE CALCULATOR WHICH ALLOWS YOU TO CHOOSE VARIABLE OR FIX RATE MORTGAGES.