大银行贷款方案 / A Lender

What is a Big Bank (A Lender) Mortgage?

Big banks (also called "A lenders") include Canada's major financial institutions such as RBC, TD, Scotiabank, BMO, and CIBC. These lenders offer the lowest mortgage interest rates, but also have the strictest approval guidelines.

什么是大银行（A类贷款）？

大银行，也称为“A类贷款机构”，是指加拿大的主要金融机构，如 TD、Scotiabank、BMO 等等。这些银行提供市场上最低的房贷利率，但审批标准也最为严格。

Who is it for?

• Salaried or full-time employed individuals

• Clients with good credit (typically 680+)

• Those who can provide full income documentation (T4s, NOAs)

• Buyers with easily verifiable down payments

适合哪些客户？

• 有全职或稳定薪水收入的上班族

• 信用评分良好（一般为 680 分以上）

• 能提供完整收入文件（如 T4 工资单、NOA 税表）

• 首付款来源清晰可查

Common Programs Offered by Big Banks

• New to Canada Program: For permanent residents or newcomers with limited credit history

• High Net Worth Program: For clients with strong assets but limited income

• Fully Income Qualified Mortgage: Based on traditional income verification

• Rental Property Mortgage: For clients buying or refinancing investment properties

大银行常见贷款项目

• 新移民贷款计划： 面向信用记录不足的永久居民或新移民

• 高净值客户计划： 面向资产雄厚但收入不高的客户

• 全收入审查房贷： 适用于报税收入稳定的申请人

• 出租物业房贷： 适用于投资房产或出租房的购置与再融资

Key Features

• Lowest interest rates available

• Longest amortization and flexible terms

• Full document verification is required

• Strict debt servicing ratio limits (GDS/TDS)

主要特点

• 提供最低的市场利率

• 最长还款年限和多种贷款条款选择

• 要求完整且严谨的文件审核流程

• 债务收入比（GDS/TDS）要求严格

Pros and Cons

Pros:

• Best rates and lowest long-term interest costs

• Suitable for strong financial profiles

Cons:

• Not flexible for self-employed or non-traditional income

• Can decline applications with minor credit or income issues

优点与限制

优点：

• 利率最低，长期利息成本最低

• 适合财务状况良好的客户

限制：

• 对自雇人士或非传统收入客户不友好

• 稍有信用或文件问题即可能被拒