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बंधक पुनर्वित्त


अपने पैसे के साथ स्मार्ट होना ही समझ में आता है। हमारे कोस्ट टू कोस्ट भरोसेमंद बंधक दलाल आपको यह तय करने में मदद करेंगे कि यह बंधक पुनर्वित्त के लिए सही समय है या नहीं। बाद के चरण में किसी भी जटिलता से बचने के लिए पुनर्वित्त के निर्णय का सावधानीपूर्वक मूल्यांकन किया जाना चाहिए। आपके वर्तमान बंधक की स्थिति का सावधानीपूर्वक अध्ययन करके और आपकी आय और अन्य ऋणों से इसकी तुलना करके, हम पुनर्वित्त समाधान चुनने में आपकी सहायता करते हैं जो आपकी वर्तमान वित्तीय आवश्यकताओं के लिए सबसे उपयुक्त है।

ऐसे कई कारण हैं जिनकी वजह से आप अपने बंधक को पुनर्वित्त करने के बारे में सोच रहे होंगे।

  • Purchase Plus Improvement Purpose and Maximum Limit of the loan
    Purchase transactions: 1 & 2 units: 95% LTV (includes both purchase & improvement amount) 3 & 4 units: 90% LTV ( includes both purchase & improvement amount) Multiple advances to a maximum of four (excluding initial purchase advance) are permitted. Advances managed by lender or by Genworth Canada if improvements exceed $40,000 or 20% of initial value. Lending value is based on the lesser of the improved property value or the sum of the purchase price plus direct costs of the improvements.
  • Eligible Properties
    Maximum 4 units where 1 unit must be owner occupied. New construction covered by a lender approved New Home Warranty Program. Existing resale properties. Readily marketable residential dwellings, located in markets with demonstrated ongoing re-sale demand. Estimated remaining economic life of the property should be a minimum of 25 years.
  • Terms / Qualify Interest Rate
    Fixed, standard variable, capped variable and adjustable rate mortgages are permitted For loans with fixed rate terms greater than or equal to 5 years, the contract rate is used For loans with fixed or variable rate terms less than 5 years, the qualifying interest rate is the greater of the contract rate or 5-yr benchmark rate
  • Borrower Qualification
    Existing requirements related to income, down payment and credit worthiness apply. Gifted down payments from immediate family member can be used, provided they are properly verified, non-repayable and all other characteristics of the borrower are acceptable. Government grants may be considered if pre-approved by Genworth. For specific qualifications related to 3 & 4 unit properties refer to Homebuyer 95 Product Overview.
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