本帖最后由 N1Finance 于 2014-6-22 12:34 编辑
HOW WE GET YOUR LOAN APPROVED? N1 Finance & Lease is a multi awardwinning mortgage broking firm. We represent over 25 lenders and we’ve gainedsubstantial status with major and non major banks/lenders due to our highvolume. One of our brokers is ranked #17 in the MPA top 100 brokers Australiawide. We have a team of over 35 people to look after the whole process of loanapplication through to settlement. We have the advantage of being able to orderunlimited free upfront valuations through 10 lenders: 1. Commbank 2. Westpac 3. Suncorp 4. St.George 5. Bankwest 6. Macquarie 7. AMP 8. Homeside 9. ANZ 10. ING Upfront valuation is especially important inrefinancing to maximize cash out. N1 Finance & Lease has also gained thebelow status that allows 24hr to 48hr turnaround in loan processing: 1. CommbankDiamond broker 2. WestpacPlatinum broker 3. SuncorpSunelite broker 4. BankwestPremium broker 5. St.George Flame broker
HOW WE HELP YOU BUY PROPERTIES? Our reputation with lenders has convincedmost major banks and lenders to grant us unlimited free upfront valuations. Whatis upfront valuation? Traditionally, banks and lenders will only doa valuation once a loan is conditionally approved. However our quality of workand high volume is the best track record banks can ever see to grant us upfrontvaluation – that means being able to do valuations even BEFORE loanapplication. Best of all it’s no obligation. That means if valuation outcome isunsatisfactory to you as a client you can choose NOT to proceed with theapplication. Howdoes upfront valuation benefit you? If you are refinancing, you will encountertwo potential problems:
- How much is the value of your property?
- How much can you cash out or release your equity?
We offer the opportunity to order multiplevaluations via multiple banks. So if Bank A has a high valuation than Bank B,then we can proceed to go with Bank A (provided all conditions and requirementsmet and you’re happy with Bank A), that allows you to MAXIMIZE your cashout to achieve your equity release purpose. If you are buying properties, you willencounter a potential problem:
- What if bank valuation comes back lower than my purchase price?
In this instance, we can order multiplebanks’ valuations, if Bank A has a valuation shortfall while Bank B has avaluation matched with purchase price, then we can proceed with Bank B(provided all conditions and requirements met and you’re happy with Bank B).
WHAT DOCUMENTS WE NEED? Belowlists all the various different documents needed before applying for a homeloan application. Some of them are optional. Note: Requirements may differ from lender to lender. Speakto us if you have some documents missing.
Ifyou are buying a property:
1. Twolatest payslips and/or Letter of Employment; 3. Contractof Sale 4. Copyof Driver’s license and/or passport 5. Latestcredit card statement 6. Latestother debt statements (e.g. personal or car loan, other mortgages) 7. Savingsaccount statement to prove balance of fund to complete purchase
Ifyou are refinance/debt consolidate/cash out or equity release
1. Twolatest payslips and/or Letter of Employment; 2. Twoyears tax returns (and Business tax returns for self-employed) and/or ATONotice of Assessment; 3. Sixmonths loan statements of debt to be refinanced/consolidated 4. Copyof Driver’s license and/or passport 5. Latestcredit card statement 6. Latestother debt statements not being refinanced/consolidated (personal or car loan,other mortgage)
IMPORTANCE OF CREDIT CHECK It’s always a good idea toperform a credit check before your loan application. Manyborrowers fail to consider the importance of getting a credit check ahead of time.These borrowers often find themselves caught off guard late in the borrowingprocess when the bank, as a result of some negative factors on a credit report,either deny the loan application or, at best, supply an undesirable loan withhigh interest rates, fees or other unfavourable terms. Hearing about it fromyour lender is the worst way to finally find out that your credit report is notup to par.
Credit report problems can happen throughno fault of your own. We live in a world where banks are getting bigger,transactions are getting automated, and real human attention to detail isfalling by the wayside. With the number of transactions even smaller banksprocess per hour growing constantly, funds can be applied incorrectly, paymentscan be sent to the wrong accounts, checks can be lost, payments can beprocessed too late and so much more. Often, if a borrower even notices aproblem, it may not be until it’s too late, maybe even 60 to 120 days after themistake occurred. Your credit rating drops monthly when issues come up. Amonthly credit rating check is so important because it can safeguard againstmistakes immediately, affording you ample time to dispute these mistakes andclean up your credit on a timely basis. General ruleto increase your credit score: 1. Pay all outstanding or default bills 2. Maintain your credit card balance below limit 3. Make loan repayment on time
There areother ways you can do to substantially improve your credit score. Talk to usand do a credit check, then we can review and help you to improve.
You can doyour own credit check via www.vedacheck.com.auat $51.95 per check. Alternatively, we offer the same credit check at only $30GST inc. Our reputation with the credit check provider has allowed us to passon the savings to you hence the lower cost with the same service.
Please findattached Privacy Disclosure Statement form to order a credit check.
为什么要选择N1 Finance & Lease?
N1 Finance&Lease 是个多元化的贷款公司。因为公司的高业务量，我们代理了超过25家银行，非银行和社会组织。 我们中有位broker获得了澳洲MPA100个最顶尖Broker 的第十七名,并且拥有了超过35个人的团队来帮您申请贷款直至交房。
我们的优势是，可以帮您向九家银行申请免费估价： 1. Commbank (联邦银行） 2. Westpac（西太银行） 3. Suncorp 4. St. George（圣佐治银行） 5. Bankwest 6. Macquarie（麦考瑞银行） 7. AMP 8. Homeside 9. ANZ（澳新银行） 而且，估价在转贷换银行时尤其重要。
除此之外，在贷款进程中，五家银行会在24-48小时内给我们回复： 1. Commbank钻石级broker 2. Westpac白金级broker 3. Suncorp精英级broker 4. Bankwest高级broker 5. St. George火焰级broker
我们可以用九大银行免费地帮您做房产估价。
什么是估价？ 一般来说，银行只有在贷款获批时才会帮您申请估价，但是我们高质量的工作和高额度的业务量使得他们给予我们提前免费定估价的权利。 这代表了我们可以在申请贷款前就帮您做个估价。如果您对估计的结果不满意的话，您可以选择不向这个银行进行申请。
估价如何让您受益？
如果您是转贷，您将面临两大潜在问题： 1. 您的房子现在值多少钱？ 2. 您可以取出多少钱或者释放多少房产抵押货款？ 我们向您提供不同银行定估价的机会。 所以如果银行A的估价结果高于银行B， 那么我们可以用银行A进行贷款（前提是您需要满足此银行所有条件和要求，并且您也满意银行A的产品）， 因此您在转贷中可以取出最大额度的现金， 由此到达释放房产抵押货款的目的。
如果您是买房，您将会面临一大潜在问题; 1. 如果银行的估价回来低于我购买的价格，怎么办？ 在这种情况下， 我们可以申请不同银行的估价， 如果银行A估价低了而银行B的估价符合了您的购买价格，那么我们可以采用银行B（前提是您需要满足银行所有条件和要求，并且您也满意银行B）。
我们需要什么材料？
下面是您在申请房贷前需要准备的各种材料。
注意：每个银行的要求可能有所不同。如果您有一些文件提供不了，请告知我们。
如果您是买房： 1.两张最新的工资单 和/或 雇主信； 2.两年纳税申报表（和公司退税表如果是自雇职业）以及ATO评税通知书； 3.房屋购买合同； 4.驾照或者护照的复印件； 5.最新的信用卡账单； 6.最新的其他欠款账单（例如：个人贷款或者车贷，其他房贷)； 7.存款账单，用来证明有足够的钱来付清首付
如果您是转贷： 1.两张最新的工资单 和/或 雇主信； 2.两年纳税申请表（和公司退税表如果是自雇职业）以及ATO 评税通知书； 3.需要转贷房屋的最近六个月还款账单； 4.驾照或者护照的复印件； 5.最新的信用卡账单； 6.最新的其他欠款账单（例如：个人贷款或者车贷，其他房贷)
信用度查询的重要性
在您申请贷款前， 最好先做一次信用度查询， 但是很多借款人都不知道做信用度查询的重要性。银行在借贷过程中, 会因为贷款人信用报告上的一些负面信息而拒绝贷款申请, 或者提出一个高利率, 高费用或其他不利的条款。这些借款人往往在此时发现自己措手不及。 信用报告中不良记录并不一定是您自己造成的。我们生活在一个银行变得越来越大, 交易越来越自动化以及人们对细节更关注的世界里。甚至小银行交易的数量每小时也在不断地增长,所以会面临着基金运用不正确,付款到错误的账户,检查被遗漏,付款处理太晚等等问题。通常, 如果借款人注意到这个问题, 那不会有事，但是如果处理得太晚, 比如错误发生后60至120天之后才去解决，那么您每月的信用度就会下降。每月信用度的检查非常重要,因为它可以立刻防止信用不良记录地发生,给您提供足够的时间来解决这些错误并及时更新您的信用记录。 可增加信用评分的方法: 1．支付所有未偿付或违约的账单 2．保持您的信用卡余额低于欠款额度 3．按时偿还贷款 还有其他的方法可以大大提高你的信用评分。让我们帮您做个信用查询, 然后我们可以检查及帮助您提高。 您可以自己上 www.vedacheck.com.au来做信用查询，每次花费$51.95包含GST。我们也提供相同的信用查询，$30包含GST。我们来查询可以有效地帮您节省开支是因为我公司在信用公司已建立起的良好声誉。
请先填写附件中的隐私公开声明表格，然后再由我们帮您做信用查询。
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