flagger

Post by 3DVRD;2257783
从申请贷款到批下来一般要等多长时间？

多些！

如果文件准备齐全的话, 银行要48 小时可审核完毕. 贷款3个工作日到帐.

3DVRD

Post by flagger;2258015
如果文件准备齐全的话, 银行要48 小时可审核完毕. 贷款3个工作日到帐.

很快啊！多谢。

kittyglass

Post by flagger;2258015
如果文件准备齐全的话, 银行要48 小时可审核完毕. 贷款3个工作日到帐.

这么快啊，我是当时房屋经纪帮着找银行申请的，可是现在都2周了，还没审批完呢:confused:
前几天还看到你在这说打算申请了，是否已经办理下来了呢？你是在哪个银行办的呢？能给我具体信息么？我的MSN：karenzhang63@hotmail.com 多谢

3DVRD

Post by flagger;2258015
如果文件准备齐全的话, 银行要48 小时可审核完毕. 贷款3个工作日到帐.

具体是那些文件？多谢！

newlife2006

怎么这么贵？
本人去年从td 借的 small business loan。 央行的prime rate加3％ 现在是3.25％
td 负责出2％的政府手续费。 只是外加一条件， 头6个月 不许我还本金， 只还利息。估计td是想多赚点。美其名曰 减轻我的开业负担。

不过现在small business loan 的上限已经翻了一倍了今年 从25万涨到50万。

john2016

银行什么时候开始50的上限的，我6月初批的还是25，利率是5.5%，扣除5000的费用

kittyglass

Post by john2016;2261094
银行什么时候开始50的上限的，我6月初批的还是25，利率是5.5%，扣除5000的费用

请问您的审批过程大概多久呢？我的已经2周多了还没下来，着急中……
同是TD小生意贷款，不过我得是连房带店的！！十分感谢

benteng988

我是前几年从BDC贷的浮动, 现在是BASE4.250%+VARIANCE0.500%,不记得当时会有几千加元的费用要付.

newlife2006

How much financing is available?

Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.


http://www.ic.gc.ca/eic/site/csbfp-pfpec.nsf/eng/h_la02855.html

这是 联邦政府 的small business loan office 的网站， 大家可以研究一下。

What are the costs?

The interest rate is determined by your financial institution. The interest rate may be variable or fixed:

• Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
  
• Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate plus 3%.
  

A registration fee of 2% of the total amount loaned under the program must also be paid by the borrower to the lender. It can be financed as part of the loan.
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government