自雇人士贷款贴士

银行评估自雇人士的方法与公司雇员不同。在评估自雇人士的时,银行使用不同的算式,所需的文件亦有所不同。贷款者需要提供最新的公司和个人的报税单,公司财务报表或者 Notice of Assessment (NOA),而不是工资单和工资进账单。

选择正确的房贷

尽管一些情况下,低文件贷款 (Low Doc Home Loan) 比较合适,但是在做贷款决定前,

是先将所有选择都进行考虑。如果你的公司不是最近才成立的,而且有稳定的收可以

选择申请全文件 (Full Doc Home Loan) 的普通房贷,利息会较低文件贷款优惠。

税单和其他选择

理想情况下,申请者需要准备最近两年递交过的税单来证明收入。但因为一些原因(如公司

两年内成立)并不是所有申请者都能提供税单。这些情况下,还可以用 Accountant’s

Declaration, BAS statement 或者银行商业户口的账单来证明自己的收入。

刚成立的生意

如果你买了一个现存的生意,或者从合约雇员转变成合同工作,那你的现金流和盈利是有可能

已经足够让你贷款了。在认定自己不能贷款之前,可以先联系我们,把所有可能的选择都作考

虑和计划。

在竭诚信贷,我们的团队在自雇人士贷款方面有丰富的经验和理解。我们的贷款专家会为你从众多银行和信贷机构中为你选择最佳的产品。

Why choose us

We can help customers who are working, receiving centerlink, bonus or non-taxable income, and having credit issue. We can help you to buy, build or refinance.

We can provide

  • More Savings

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    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • Free of charge

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    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • Convenience

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    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • More Choice

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    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • Easier Process

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    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • Expertise

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    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • Tailored & Flexible Solutions

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    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • Great Service

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    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.

为什么选择我们

不论您是上班族还是自雇人士,不论您想要贷款还是转贷,不论您想要买房还是买车, 不论您是有领取社会补助金或是其他收入问题,我们都可以帮您解决

我们可以提供

  • 更多的优惠

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    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • 无额外收费

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    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • 方便快捷

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    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • 更多选择

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    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • 更加简单的流程

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    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • 专业高效

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    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • 更客制化和灵活的解决方案

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    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • 卓越的服务

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    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.