-Mortgage Specialist and Mortgage Broker
银行贷款经理和独立贷款经纪
-Affordability calculator
可负担性（压力测试）
A lender B lender Private lender
不同类别的贷款机构
-Mortgage Program: Eg. Owner Occupy/ Rental, New Immigrants, Self-employee, Non-resident, High net worth, Rental Property, Private Banking
贷款方案选项： 自住/投资，新移民，自雇，非居民，高净值，出租房，银行贵宾服务
-Downpayment: 5%, 20%, 35%, 30days-90 days (gift)
3 month statement(large transaction)
首付比率，方案项目要求，账户注意事项
-Conventional Mortgage/ High Ratio
常规贷款/高比例贷款
-Mortgage insurance ：CMHC, Genworth, Canada Guarantee(SAGEN) 20%
贷款保险， 20%以下银行强制
New: 1.5M for insurance Mortgage, 30 Years
-Credit Score: Eg. Min 720 and 680 for different program( name) Equifax/ TransUnion
信用分要求，查询机构Equifax/ TransUnion
-GDS/TDS : Eg. 39%/44%
Gross Debt Service Ratio: (Monthly Expense)
Mtg payments+Property Taxes+ Heating Costs+50% of Condo Fees/ Annual Income
Total Debt Service Ratio: GDS Expense+Credit Card interest+ Car Payments+Loan Expense/Annual Income
债务偿还比率（房屋本身 / 其他债务）计算
Pre-Approval: Eg.Conditional Approval
预批，带条件批准
Mortgage condition: 5-7 Days(2-3 days）
贷款条件，常见5到7天
Appraisal （In person/ System)（$300-$500)
房屋评估 (到现场/系统评估）
Documents Need for Application :
Income, Credit, Downpayment, ID, agreement , MLS
审批贷款常见需要文件: 证件，收入证明，信用，合同，银行账户流水
PIT( Principle-Interest-Tax)
月供➕地税
Underwriter
贷款审核员
Application Appeal
申诉
Commitment Letter( Approval Letter)(Letter of Agreement) ,Expired Date
承诺书, 有效期
Bridge Loan
过桥贷款
Portable Mortgage
贷款转移
Amortization(Eg.5- 25 Years， 30 years)
偿还总期限，5-25年，30年
New: 30 years for first time home buyer of new builds
Fix Term or Variable Term(2-5 Years Fix or 5 Year Variable)
固定期限和浮动期限，1-5年固定或者3-5年浮动
Mortgage Rate/ Interest Rate
贷款利率（4.4%-6%）
Monthly Payment(Monthly, Bi-weekly, Weekly) (adjustment)
月供, 每两周供，更改/变化
Prepayment（Eg. 20% per year without penalty, or 10%/10%)
提前还款政策（每年可提前还款20%本金无罚金）
Breach Penalties: Interest Rate differential or 3 months interest
提前还款罚金, 3个月利息或者利息差
Lawyer instruction
律师需完成要求
Insurance( Title and Home)
保险（产权保险/房屋保险）
Funding to lawyer
银行放款给律师
Auditing: additional Documents may required
再次审核，要求其他文件
Interest adjustment（interim interest)
利息调整
Register on Title（Charge）amount
注册贷款到产权上
Collateral Mortgage（registered loan amount)
注册贷款额度
Register/Deed
产权证明
Renewing: eg. 6 Months Before Term is up
贷款续约，到期前6半年
Switching:
新规 11.21.2024取消压力测试
Refinance
再次抵押贷款
Discharge
注销贷款
Home line of credit(HELOC)
房屋净值信用额度
Default
违约
Lender fee
贷款机构额外费用
OSFI（Office of the superintendent of financial institutions)
加拿大金融机构监督办公室
B20
NEW： LTI： Loan to income