私贷机构 / C Lender

What is Private Lending?

Private lending refers to mortgages provided by individual investors or mortgage investment corporations (MICs), not traditional banks. These lenders focus primarily on the value and equity of your property, not your income or credit score.

什么是私人贷款？

私人贷款是由个人投资人或房贷投资公司（MIC）提供的房屋贷款，区别于传统银行。他们主要依据房产价值和净值来决定是否放款，而不是过度关注您的收入或信用分。

Who is it for?

• Clients with poor or no credit

• Clients with limited income documentation

• Urgent financing needs

• Borrowers declined by banks or B lenders

• Clients needing second or third mortgages

适合哪些客户？

• 信用记录差或没有信用历史的客户

• 难以提供标准收入文件者

• 有紧急融资需求

• 已被银行或 B 类机构拒绝贷款的人

• 需要第二或第三房贷来提取房屋净值者

Key Features

• Approval based on property equity

• Very fast funding (sometimes within days)

• Higher interest rates

• Short-term solutions (typically 1-2year)

主要特点

• 依据房屋净值审批贷款

• 放款速度快（有时几天内完成）

• 利率较高

• 多为短期贷款（通常为1-2年）