加拿大多伦多房屋贷款政策最新变化

<div><div class="MsoNormal"> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-Db0W4851H0cEdh4XEEe27SPxETmHjXTa40cmR2ZXjN6YodqrjYjRyZUBIK8aMesSRo8W8cWxsjps_VXlVf9VSJSAvPgpR8HtPhNpJ_2-XdTJWtC5uNNAD6CDU0qIAcTM1J8MANGXIDw/s1600/banner2+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="93" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-Db0W4851H0cEdh4XEEe27SPxETmHjXTa40cmR2ZXjN6YodqrjYjRyZUBIK8aMesSRo8W8cWxsjps_VXlVf9VSJSAvPgpR8HtPhNpJ_2-XdTJWtC5uNNAD6CDU0qIAcTM1J8MANGXIDw/s320/banner2+%25281%2529.jpg" width="320" /></a></div> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";"><br /></span> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">主讲人：与嘉德置业合作多年某银行的贷款专家，</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">2015</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">年全加排名</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">Top 6<o:p></o:p></span></div> <div class="MsoNormal"> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">日期：</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> 2016-12-01<o:p></o:p></span></div> <div class="MsoNormal"> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">作者：隔壁老王</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> Jason Wang </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">，</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">多伦多嘉德置业地产经纪人</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span><br /> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";"><br /></span></div> <div class="MsoNormal"> <br /></div> <div class="MsoNormal"> <span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">11</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">月</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">14</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">日银行贷款新政以来，从银行工作人员到贷款申请人乃至地产经纪人，各个方面都在徘徊观望评估中。从银行方面来看，总的来说贷款力度有所收紧，对贷款申请人资质的考察比以往更加认真和严格。但是符合贷款申请条件的申请人还是毫无意外的贷出款来。</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">具体变化如下：</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoNormal"> <br /></div> <div class="MsoNormal"> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">新移民，海外居民和留学生这三种贷款申请人统称海外收入项目（</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">Foreign Income</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">）</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">可贷款额度占房价的</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">50-65%   </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">（上限</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">3 Million</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">）</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">即：最低的首付为房价的</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">35%-50%<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">一般申请人如果能够负担房价</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">50%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">的首付，贷款一般没有问题。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">如果申请人要求低于</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">50%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">高于</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">35%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">的首付，银行有可能会要求申请人提供更多补充材料，或者与申请人协商提高首付比率，例如首付</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">40%<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">符合所有贷款申请条件，资金充裕的申请人可以毫无悬念轻松申请到</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">35%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">首付的贷款。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">所有申请人必须要有固定工作，没有工作无法得到贷款审批</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="color: red; font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="color: red; font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">贷款申请人必须本人来加拿大开户</span><span lang="EN-US" style="color: red; font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">,</span><span lang="ZH-CN" style="color: red; font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">所有银行都规定这个要求，没有例外</span><span lang="EN-US" style="color: red; font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="color: red; font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="color: red; font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">贷款申请人必须本人来加拿大签同意信用调查的表格。所有银行都要求这个规定，没有例外</span><span lang="EN-US" style="color: red; font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="color: red; font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">本人不来，银行不贷款。贷款申请人必须尽快来加开户签字。</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">其他文件可以</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">email</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">签字</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">现今政策外国人一个人在全加拿大只能贷款一个房产。一个护照一个房产。即使还清贷款也不能在贷款买第二套房，除非子女配偶是移民或者用子女或者配偶名字购房。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">如果申请人有</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">3</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">套以上出租房，出租收入</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">100%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">考虑进收入。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">如果有</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">2</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">套出租房，出租收入</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">50%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">考虑进收入</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">申请人必须有</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">VISA</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">信用卡，可以开始慢慢积攒，信用配合信用调查。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast"> <br /></div> <div class="MsoNormal"> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">举例说明各种不同身份的海外居民贷款申请条件和准备的资料：</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">       </span></span><!--[endif]--><span lang="ZH-CN" style="background: yellow; font-family: "simsun";">海外国内公司所有人，高管或者法人代表</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">提供海外公司营业执照</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">提供最近</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">2</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">年公司财务报表</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">（要显示比较大盈余）</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">所有文件中文即可不用公证</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="ZH-CN" style="background: yellow; font-family: "simsun";">海外（中国国内）公司雇员</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">提供雇主证明信（包括工作年限，职位，薪水，加盖单位公章），贷款额一般必须约为年薪五倍以上，例如：贷款</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">50</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">万，年薪要达到</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">10-12</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">万</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">提供最近</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">60</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">天流动资金证明</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">（有效的资金证明包括存款，股票，基金，理财产品等，中国的房产不包括在有效资金证明内，因无法核实），流动资金总额要达到房价</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">60%</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">以上。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">所有资产必须在自己账户里</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">3</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">年内海外银行规律电汇入加拿大银行的资金也算入有效收入。比如海外公司给申请人的工资，如果能证明规律汇入加拿大银行，也算有效收入。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">最新的要求：</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">要求申请人与银行有长久客户关系，比如在本银行的账户和存款，比如从中国汇款最好汇到贷款申请银行，即可证明与银行的长期客户关系。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">3.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">       </span></span><!--[endif]--><span lang="ZH-CN" style="background: yellow; font-family: "simsun";">新移民</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">提供与以上海外公司雇员一样的所有文件。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">如果新移民找到工作就按照本地居民标准贷款</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">如果新移民没有工作原则上不能贷款，信用记录可以反映新移民有没有工作</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">4.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="ZH-CN" style="background: yellow; font-family: "simsun";">留学生</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">18</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">岁以上留学生才可以买房，单独贷款</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">家长担保必须来加拿大开户和签字</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">家长担保必须出示与以上海外公司雇员一样的所有文件</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">家长担保申请人必须有</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">VISA</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">信用卡</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">5.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">       </span></span><!--[endif]--><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;">Pre-approval<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="color: red; font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">银行贷款专家必须当面见客人。</span><span lang="ZH-CN" style="color: red; font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="ZH-CN" style="color: red; font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">本人不来，银行不贷。</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">需要提供房价，贷款比率，人名，房屋地址</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">6.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="ZH-CN" style="background: yellow; font-family: "simsun";">贷款程序</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">收集文件</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">顺利</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">2</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">天批准，</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">3-5</span><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">天有结果</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">评估</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">审批完成</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="background: yellow; mso-bidi-font-family: Corbel; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Corbel; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-latin; mso-highlight: yellow;">7.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">       </span></span><!--[endif]--><span lang="ZH-CN" style="background: yellow; font-family: "simsun";">最新贷款利率</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">3Year Float  x.xx%<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;">5Year Fix     x.xx%<o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN;">v<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";">查询最新利率请与隔壁老王联系</span><span lang="ZH-CN" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"> </span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span><br /> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";"><br /></span> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKATBGz64aP7NGfSLVDJGWCixTQennHp3LY6Z9OtobJ-Z_Pi035e0TVKsr2ZMaYbA5OdVLpQbaBILfBTz7Esuv82NItgYEArmG6F0FZMPyycqUPE84lp0Mcgd9LJZrJUv_UzlfAjd6RqQ/s1600/170x170.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKATBGz64aP7NGfSLVDJGWCixTQennHp3LY6Z9OtobJ-Z_Pi035e0TVKsr2ZMaYbA5OdVLpQbaBILfBTz7Esuv82NItgYEArmG6F0FZMPyycqUPE84lp0Mcgd9LJZrJUv_UzlfAjd6RqQ/s320/170x170.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyZSuEBzQEWwVMcgJhtbQXs36nOlzJ5lb-1PJpNDRicl5UHx-QaIlQvsc__Iu3pJ3brsG1OQu-ygcGrfa2RQ4BwRGFwuOgiiWB2ZmNPJKw0yMngc7HiiJDKuf7P0Bd1J9DJKnqEUVk7k4/s1600/scan+code.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyZSuEBzQEWwVMcgJhtbQXs36nOlzJ5lb-1PJpNDRicl5UHx-QaIlQvsc__Iu3pJ3brsG1OQu-ygcGrfa2RQ4BwRGFwuOgiiWB2ZmNPJKw0yMngc7HiiJDKuf7P0Bd1J9DJKnqEUVk7k4/s1600/scan+code.jpg" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDdGqQkdgqMh_5AZ7yDoCek5vNvz27aRrW3TR3JPqkQ8NzHbi7uuL0z3VM4lRh31ifeqQ0n_sRvmuowW1UXuRQ2XSFaWhSDAfN4LV3duxXFS8FtG0uTmhVW35XZzmQumzvJuwjxF-cyRw/s1600/1480748326558.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDdGqQkdgqMh_5AZ7yDoCek5vNvz27aRrW3TR3JPqkQ8NzHbi7uuL0z3VM4lRh31ifeqQ0n_sRvmuowW1UXuRQ2XSFaWhSDAfN4LV3duxXFS8FtG0uTmhVW35XZzmQumzvJuwjxF-cyRw/s200/1480748326558.jpg" width="200" /></a></div> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";"><br /></span></div> <div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"> <span lang="ZH-CN" style="font-family: "simsun"; mso-ascii-font-family: "Trebuchet MS"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Trebuchet MS";"><br /></span></div> <div align="center" class="MsoNormal" style="text-align: center;"> <span style="font-family: "trebuchet ms" , "sans-serif"; mso-ansi-language: EN-CA; mso-fareast-language: ZH-CN; mso-no-proof: yes;"><v:shapetype coordsize="21600,21600" filled="f" id="_x0000_t75" o:preferrelative="t" o:spt="75" path="m@4@5l@4@11@9@11@9@5xe" stroked="f"> <v:stroke joinstyle="miter"> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"> <v:f eqn="sum @0 1 0"> <v:f eqn="sum 0 0 @1"> <v:f eqn="prod @2 1 2"> <v:f eqn="prod @3 21600 pixelWidth"> <v:f eqn="prod @3 21600 pixelHeight"> <v:f eqn="sum @0 0 1"> <v:f eqn="prod @6 1 2"> <v:f eqn="prod @7 21600 pixelWidth"> <v:f eqn="sum @8 21600 0"> <v:f eqn="prod @7 21600 pixelHeight"> <v:f eqn="sum @10 21600 0"> </v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:formulas> <v:path gradientshapeok="t" o:connecttype="rect" o:extrusionok="f"> <o:lock aspectratio="t" v:ext="edit"> </o:lock></v:path></v:stroke></v:shapetype><v:shape id="Picture_x0020_2" o:spid="_x0000_i1028" style="height: 150.75pt; mso-wrap-style: square; visibility: visible; width: 117pt;" type="#_x0000_t75"> <v:imagedata o:title="" src="file:///C:\Users\Jason\AppData\Local\Temp\msohtmlclip1\01\clip_image001.jpg"> </v:imagedata></v:shape><v:shape id="Picture_x0020_3" o:spid="_x0000_i1027" style="height: 150pt; mso-wrap-style: square; visibility: visible; width: 150pt;" type="#_x0000_t75"> <v:imagedata o:title="" src="file:///C:\Users\Jason\AppData\Local\Temp\msohtmlclip1\01\clip_image002.jpg"> </v:imagedata></v:shape></span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; mso-fareast-language: ZH-CN;"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal;"> <span lang="ZH-CN" style="font-family: "simsun"; font-size: 9.0pt;">电话</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; font-size: 9.0pt;">: +01-289-885-1868<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal;"> <span lang="ZH-CN" style="font-family: "simsun"; font-size: 9.0pt;">邮件</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; font-size: 9.0pt;">: </span><span lang="EN-US"><a href="mailto:jianwang2007@gmail.com"><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 9.0pt;">jianwang2007@gmail.com</span></a></span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; font-size: 9.0pt;"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: normal;"> <span lang="ZH-CN" style="font-family: "simsun"; font-size: 9.0pt;">微信号</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; font-size: 9.0pt;">: housebns<o:p></o:p></span></div> <br /> <div class="MsoNormal" style="line-height: normal;"> <span lang="ZH-CN" style="font-family: "simsun"; font-size: 9.0pt;">地址</span><span lang="EN-US" style="font-family: "trebuchet ms" , "sans-serif"; font-size: 9.0pt;">: 95 Mural St. Suite 105, Richmond Hill, ON, L4B 3G2, Canada</span><span lang="EN-US" style="background: yellow; mso-fareast-language: ZH-CN; mso-highlight: yellow;"><o:p></o:p></span></div> </div>

多伦多房地产经纪 - 隔壁老王的创业史 【1】缘起

<div><div lang="en-US" style="margin: 0in;"> <div class="separator" style="clear: both; text-align: center;"> </div> <br /> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMxG1LCF1jrVjb9bS70Ad9nKlbyr_3-cgpxPLOk5YoWJc5Lc-ywi6kTLb6iYBLSeK6UQ11UBQJG4LFkJq1gTcPXk0BIgk5L0jPSF926QOTQL89jSQYzPCX3qQPaTMTkBlOsJ_A8SI6kYo/s1600/banner+%25285%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMxG1LCF1jrVjb9bS70Ad9nKlbyr_3-cgpxPLOk5YoWJc5Lc-ywi6kTLb6iYBLSeK6UQ11UBQJG4LFkJq1gTcPXk0BIgk5L0jPSF926QOTQL89jSQYzPCX3qQPaTMTkBlOsJ_A8SI6kYo/s1600/banner+%25285%2529.jpg" /></a></div> <span style="font-family: "microsoft yahei"; font-style: italic;"><br /></span> <span style="font-family: "microsoft yahei"; font-style: italic;">题记：</span><span style="font-family: "calibri"; font-style: italic;">  </span><span style="font-family: "microsoft yahei"; font-style: italic;">从网络工程师到多伦多房地产经纪人，从中国北京到加拿大蒙特利尔再到多伦多。三十功名尘与土，八千里路云和月。创业是一条不归路，充满了孤单与艰辛。创业路上，老王邀你同行。</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4g34goUquya2TryP8LwgkL_kPwuxJOb2z56J5zxu1oLVbhJMyI7jvXS7Q96R7dMCuPQwK6l2lyYGJKaivKmyKtrLjNVevphUAN0iDVKzJ8mwBzfcsttw3KWbYfNWi7KkObI-APAiGGW4/s1600/8be70f0bjw1faemc5d0eaj20c809eq3f.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="245" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4g34goUquya2TryP8LwgkL_kPwuxJOb2z56J5zxu1oLVbhJMyI7jvXS7Q96R7dMCuPQwK6l2lyYGJKaivKmyKtrLjNVevphUAN0iDVKzJ8mwBzfcsttw3KWbYfNWi7KkObI-APAiGGW4/s320/8be70f0bjw1faemc5d0eaj20c809eq3f.jpg" width="320" /></a></div> <div class="separator" style="clear: both; text-align: center;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">2014</span><span style="font-family: "microsoft yahei";">年</span><span style="font-family: "calibri";">09</span><span style="font-family: "microsoft yahei";">月</span><span style="font-family: "calibri";">19</span><span style="font-family: "microsoft yahei";">日注定是一个不平凡的日子。 阿里巴巴正式登陆纽约纳斯达克股票交易所，首日涨幅</span><span style="font-family: "calibri";">38.07%</span><span style="font-family: "microsoft yahei";">超过了此前发布的每股</span><span style="font-family: "calibri";">68</span><span style="font-family: "microsoft yahei";">美元发行价，首日报收于</span><span style="font-family: "calibri";">93.89</span><span style="font-family: "microsoft yahei";">美元， 阿里巴巴集团的筹资额已达到</span><span style="font-family: "calibri";">2314</span><span style="font-family: "microsoft yahei";">亿美元，创下美国历史上规模最大的</span><span style="font-family: "calibri";">IPO(</span><span style="font-family: "microsoft yahei";">首次公开招股</span><span style="font-family: "calibri";">)</span><span style="font-family: "microsoft yahei";">。对此，多位业内人士及专家认为阿里巴巴的上市将成为中国互联网标杆股，同时成为全球互联网分水岭。。。。。。</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">2014</span><span style="font-family: "microsoft yahei";">年</span><span style="font-family: "calibri";">9</span><span style="font-family: "microsoft yahei";">月</span><span style="font-family: "calibri";">19</span><span style="font-family: "microsoft yahei";">日的一个下午，老王的电脑被阿里巴巴上市的消息刷屏了。一个长相怪异如外星人</span><span style="font-family: "calibri";">ET</span><span style="font-family: "microsoft yahei";">搬的大脑袋充斥了门户网站的首页。老王一边喝着啤酒，一边一脸吃瓜群众的懵逼样，心里不住的犯嘀咕，</span><span style="font-family: "calibri";">“</span><span style="font-family: "microsoft yahei";">这人谁啊，又抢了我音帝老师的头条。</span><span style="font-family: "calibri";">” </span><span style="font-family: "microsoft yahei";">阿里巴巴，马云，哦，就是他啊！又是他啊？！！ 神马？上市了？</span><span style="font-family: "calibri";">2300</span><span style="font-family: "microsoft yahei";">亿美元？ 我去</span><span style="font-family: "calibri";">~~~~  </span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQbjk_OI_JQLmTakrsX-iB6cFcma3qb2bkJt_QlTcdiwLVsjki7yhL7jmtzfbid-hyArqTFbZJMuG4DvpYH-KskpSv9IJYjBjOesuX7NlK2aeVW8jFI5sAV4tLEJpRXPMMhITUjvQp30o/s1600/062206192.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQbjk_OI_JQLmTakrsX-iB6cFcma3qb2bkJt_QlTcdiwLVsjki7yhL7jmtzfbid-hyArqTFbZJMuG4DvpYH-KskpSv9IJYjBjOesuX7NlK2aeVW8jFI5sAV4tLEJpRXPMMhITUjvQp30o/s1600/062206192.jpg" /></a></div> <div lang="en-US" style="margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">时间轴调回到</span><span style="font-family: "calibri";">11</span><span style="font-family: "microsoft yahei";">年前。 那是在</span><span style="font-family: "calibri";">2005</span><span style="font-family: "microsoft yahei";">年，当时的背景是网购与电子商务已经开始在国内起步，马云宣布淘宝网三年免费，一下撂倒了易趣。然而在美国，仍然是最大的电子商务网站</span><span style="font-family: "calibri";">e-Bay</span><span style="font-family: "microsoft yahei";">一家独大。</span><span style="font-family: "calibri";"> e-Bay</span><span style="font-family: "microsoft yahei";">早已上市，早早的就占领了C2C电视商务全部赛道，</span><span style="font-family: "calibri";">stsy.com </span><span style="font-family: "microsoft yahei";">（</span><span style="font-family: "calibri";">05</span><span style="font-family: "microsoft yahei";">年获得天使投资</span><span style="font-family: "calibri";">40</span><span style="font-family: "microsoft yahei";">万，现已上市，市值</span><span style="font-family: "calibri";">17</span><span style="font-family: "microsoft yahei";">亿）那时候还没人知晓，</span><span style="font-family: "calibri";"> overstock.com</span><span style="font-family: "microsoft yahei";">也不出名。提起网购当时的人们一想到的就是</span><span style="font-family: "calibri";">e-Bay</span><span style="font-family: "microsoft yahei";">。在这个电子商务方兴未艾的大背景下，老王和高中同学</span><span style="font-family: "calibri";">JACK</span><span style="font-family: "microsoft yahei";">在</span><span style="font-family: "calibri";">2005</span><span style="font-family: "microsoft yahei";">年开始在</span><span style="font-family: "calibri";">e-Bay</span><span style="font-family: "microsoft yahei";">上经营网店。主营业务是珍珠及各种珍珠饰品。我们的商业模式是从珍珠养殖场直接进货，砍掉中间商和物流商，通过</span><span style="font-family: "calibri";">e-Bay</span><span style="font-family: "microsoft yahei";">这个平台直接销售给终端客户和欧美的零售商，从而为客户节省大量的物流和中间成本，使得普通用户用白菜价可以买到珠宝店品质的珍珠。说白了我们做的是一种从中国的</span><span style="font-family: "calibri";">B</span><span style="font-family: "microsoft yahei";">（商家）到国外的</span><span style="font-family: "calibri";">C</span><span style="font-family: "microsoft yahei";">（客户），再从</span><span style="font-family: "calibri";">C</span><span style="font-family: "microsoft yahei";">（中文）到</span><span style="font-family: "calibri";">E</span><span style="font-family: "microsoft yahei";">（英文）的中转工作。 欧美的批发客户没法直接去养殖场进货， 并且因为不会中文没法和养殖场直接谈判，那么我们负责帮助他们打通整个渠道，并把货物运到他们家门口。第一次创业运气好，赶上了好时候。马云的淘宝</span><span style="font-family: "calibri";">B2C</span><span style="font-family: "microsoft yahei";">商城</span><span style="font-family: "calibri";">-</span><span style="font-family: "microsoft yahei";">天猫在</span><span style="font-family: "calibri";">2011</span><span style="font-family: "microsoft yahei";">年才成立。那时候欧美的个人与批发客户没有其他渠道进货，</span><span style="font-family: "calibri";">e-Bay</span><span style="font-family: "microsoft yahei";">就成了唯一的最好选择。</span><span style="font-family: "calibri";"> Jack </span><span style="font-family: "microsoft yahei";">负责进货和发货，老王负责销售和市场，两个人，两台电脑，从</span><span style="font-family: "calibri";">2005</span><span style="font-family: "microsoft yahei";">年的</span><span style="font-family: "calibri";">2000</span><span style="font-family: "microsoft yahei";">美元起家，到</span><span style="font-family: "calibri";">3</span><span style="font-family: "microsoft yahei";">年后高峰时成为了</span><span style="font-family: "calibri";">e-Bay</span><span style="font-family: "microsoft yahei";">的超级卖家</span><span style="font-family: "calibri";">Power Seller</span><span style="font-family: "microsoft yahei";">，年销售额近</span><span style="font-family: "calibri";">50</span><span style="font-family: "microsoft yahei";">万美元。</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQrTtp7MO8R6dHsoRr8zILtElTTnele3BPJQApHFTdK_LbaUQDU7w4QEGzkd9PxPZ4_Woh6H5Xks-OdMAERo3ftAjFVgNlm_KtRwuVElUUzflhiqNCD4xeArTNFtZYMnaJCw0R3anBM3I/s1600/images+%25284%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQrTtp7MO8R6dHsoRr8zILtElTTnele3BPJQApHFTdK_LbaUQDU7w4QEGzkd9PxPZ4_Woh6H5Xks-OdMAERo3ftAjFVgNlm_KtRwuVElUUzflhiqNCD4xeArTNFtZYMnaJCw0R3anBM3I/s1600/images+%25284%2529.jpg" /></a></div> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">第一次创业，本来很浪漫的，结果我们遇到了阿里巴巴。老王与马云的阿里巴巴结缘是在</span><span style="font-family: "calibri";">2008</span><span style="font-family: "microsoft yahei";">年。那一年，我们的</span><span style="font-family: "calibri";">eBay</span><span style="font-family: "microsoft yahei";">网店刚刚开始</span><span style="font-family: "calibri";">3</span><span style="font-family: "microsoft yahei";">个年头，但是销售业绩增长迅猛。我们敏锐的意识到了阿里巴巴这个平台，并且试图在阿里巴巴上开展销售。但是实话实说，当时的阿里巴巴界面并不友好，客户体验非常一般般，也没有给我们带来任何的生意。更令我这个理工科出身略带小偏执的用户无法接受的是阿里巴巴那个</span><span style="font-family: "calibri";">Logo</span><span style="font-family: "microsoft yahei";">。 那个如同黄色豆芽菜般大脑袋</span><span style="font-family: "calibri";">Logo</span><span style="font-family: "microsoft yahei";">不知道是不是马云设计的，看着就如同马云的脸，丑的不是一点半点，一看就不让人讨喜。在实验一个阶段后，我们浅尝辄止，决定放弃了阿里巴巴这个平台。 当时我们感觉阿里巴巴不过如此，就如同当时曾经红火一时的其他的</span><span style="font-family: "calibri";">B2B</span><span style="font-family: "microsoft yahei";">网站如坨坨网，</span><span style="font-family: "calibri";">madeinchina.com</span><span style="font-family: "microsoft yahei";">一样，都是辣鸡。现在看来这是个非常不明智的判断，即使我们不在阿里巴巴上面销售，也应该直面阿里巴巴的威胁，并逐步调整销售策略。因为我们可以注意到阿里巴巴这个平台，珍珠养殖场同样也可以。当所有的养殖场都在阿里巴巴上注册并开始销售珍珠的时候，我们也就无法再为客户带来更好的价值。 很快我们就由于对市场变化不敏感而被打脸了，自从阿里巴巴兴起以后，我们的生意开始一落千丈。（经验教训GET+1） </span><br /> <span style="font-family: "microsoft yahei";"><br /></span> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZ5F6zrpa6_HT29AzBVPFEee3ttghCi1nm2FwF7Kzt-w_XsE6Ybx47gkxb-FJ98ZVQNXOVAvpBPHxjVF4CYtrp39sxoSsYdubgGMgCMH_-f9unG-BAgQhW5TUeGpAtaB465UWPA23otDI/s1600/images+%25282%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZ5F6zrpa6_HT29AzBVPFEee3ttghCi1nm2FwF7Kzt-w_XsE6Ybx47gkxb-FJ98ZVQNXOVAvpBPHxjVF4CYtrp39sxoSsYdubgGMgCMH_-f9unG-BAgQhW5TUeGpAtaB465UWPA23otDI/s1600/images+%25282%2529.jpg" /></a></div> <span style="font-family: "microsoft yahei";"><br /></span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> 为什么我们的珍珠生意不好做了？那是因为我们自以为自己的商业模式是先进的，能够剔除中间商最大限度的减少中间环节和中间费用，给买家提供最大的实惠。但是实际上，我们的模式依旧是传统的批发中间商销售模式，只不过我们自己顶替了可能的N多个传统批发商，并且把销售移植到了网上。但是商业模式的实质并没有发生改变，我们自己仍然是个中间商。互联网也不过是我们的一个新的销售渠道，即新瓶装旧酒，老传统加新模式。在阿里巴巴还未强大之前，我们有幸搭了几年的便车。等到阿里巴巴长成了一个巨人，传统的大中型销售商和我们这样小型的搭便车的小卖家就一下被阿里这个巨人如摧枯拉朽般的颠覆了。<br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0d2cbtwpcOemU-yFb_5hI2Ww1DdKbEluPAWxLQnPOOdF1tnr1TKONBBRiWmPfqhzymezzCmfGpbotJA4rp2Q0NfWgT9kw9geU7qDVF65xoWfidWv0DnNhPplFkbqQM22AOpeHdOTFmHo/s1600/images+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0d2cbtwpcOemU-yFb_5hI2Ww1DdKbEluPAWxLQnPOOdF1tnr1TKONBBRiWmPfqhzymezzCmfGpbotJA4rp2Q0NfWgT9kw9geU7qDVF65xoWfidWv0DnNhPplFkbqQM22AOpeHdOTFmHo/s1600/images+%25281%2529.jpg" /></a></div> <br /></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">阿里巴巴上市给我带来的刺激和震惊还远没有结束。从这天起，我开始关注互联网企业，关注马云，关注互联网对各个行业的影响以及行业经营模式的转变。我突然发现了一件令我芒刺在背的事情。 当我还沉浸在蒙特利尔这个偏僻的农村地方享受我的幸福生活的时候， 这个世界早已经起了翻天地覆的变化。阿里巴巴颠覆了零售行业，</span><span style="font-family: "calibri";">360</span><span style="font-family: "microsoft yahei";">颠覆了安全软件行业，微信颠覆了传统通讯行业，</span><span style="font-family: "calibri";">Uber</span><span style="font-family: "microsoft yahei";">颠覆了出租车行业，</span><span style="font-family: "calibri";">airbnb</span><span style="font-family: "microsoft yahei";">颠覆了酒店行业</span><span style="font-family: "calibri";">……</span><span style="font-family: "microsoft yahei";">互联网时代的商业模式冲击着各个行业，各种创新令人应接不暇。它们在悄然改变人们生活和工作习惯的同时，以令人无法想象的速度飞速发展。为什么免费的杀毒软件？那他们怎么挣钱？为什么那么多人拿手机在嘴边留言？哦，原来那玩意叫微信，都用微信还有人打长途电话吗？用互联网打车到底能便宜多少？出门旅游住在别人家里不怕遇到女流氓吗？ 三观被完全颠覆后，老王陷入了深深的思考。</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">活到将近40岁，老夫</span><span style="font-family: "calibri";">out</span><span style="font-family: "microsoft yahei";">了！</span></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <br /> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> 那么什么样的企业最容易被颠覆，他们又是如何被颠覆的？老王又能做些什么呢。敬请期待，下期博客。</div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> ------------------------------------------</div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> 隔壁老王简介：</div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHTj3sZYJ47NRQDHZuzwAIt9hemXYNowABJ8u5grDzs8oqM0qiwmQ5rLL_BetdjaM7dJm363daSRWbdIMCa0xSnf9RYskvRQPgLh9TJoJhNH3ZBurtcnpjM71FMEmPAa8ygSQHQ9Gl28g/s1600/170x170.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHTj3sZYJ47NRQDHZuzwAIt9hemXYNowABJ8u5grDzs8oqM0qiwmQ5rLL_BetdjaM7dJm363daSRWbdIMCa0xSnf9RYskvRQPgLh9TJoJhNH3ZBurtcnpjM71FMEmPAa8ygSQHQ9Gl28g/s200/170x170.jpg" width="200" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPdxV2kfAJ3pcPRODHGHeilX3amE4GB-Ljtlj9aD8bRwom4mNmtYeFs2dI5lNKFADm3lTWRdX4J972HbENSJt5zde0S2c2jqq2jOhim0fSNWVvrJed7jPSek6tRiMwsKMJfrXdbiRWgbo/s1600/scan+code.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPdxV2kfAJ3pcPRODHGHeilX3amE4GB-Ljtlj9aD8bRwom4mNmtYeFs2dI5lNKFADm3lTWRdX4J972HbENSJt5zde0S2c2jqq2jOhim0fSNWVvrJed7jPSek6tRiMwsKMJfrXdbiRWgbo/s200/scan+code.jpg" width="200" /></a></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <div style="margin: 0in;"> <span lang="en-US" style="font-family: "microsoft yahei";">老王</span><span lang="en-US" style="font-family: "calibri";">2002</span><span lang="en-US" style="font-family: "microsoft yahei";">年起在蒙特利尔定居工作多年，并自住及投资过多处房产。理工科出身的老王有</span><span lang="en-US" style="font-family: "calibri";">15</span><span lang="en-US" style="font-family: "microsoft yahei";">年网络工程师的背景。</span><span lang="en-CA" style="background: white; font-family: "microsoft yahei";">对数字有工科男偏执般的敏感，超强市场分析能力，脚踏实地不忽悠。</span><span lang="en-US" style="font-family: "microsoft yahei";">老王还有超强的动手能力，上能安灯换灯泡，下能自己装地板，内能拆隔断，外能装外墙，换过马桶，改过浴室，整过屋顶，是老王嫂得以对外吹嘘的</span><span lang="en-US" style="font-family: "calibri";">handyman</span><span lang="en-US" style="font-family: "microsoft yahei";">。</span></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">老王于</span><span style="font-family: "calibri";">2016</span><span style="font-family: "microsoft yahei";">年成功创立 </span><a href="http://www.housebns.com/"><span style="font-family: "calibri";">www.housebns.com</span></a><span style="font-family: "calibri";"> </span><span style="font-family: "microsoft yahei";">网站。</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">housebns.com </span><span style="font-family: "microsoft yahei";">提供专业的房屋交易平台，为买家卖家免中介，直通直联，自行完成房产交易提供优质的网络平台。以最大限度为买家和卖家减少交易费用为宗旨，通过免费信息交互与交流，打破地产协会对地产交易的垄断，从而提升地产经纪人行业整体的服务水平与质量，致力于建立地产行业以顾客为导向的生态系统。</span></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">老王现居奥克维尔市（</span><span style="font-family: "calibri";">Oakville</span><span style="font-family: "microsoft yahei";">），熟悉大多地区尤其是西部地区的房产。</span></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">• </span><span style="font-family: "microsoft yahei";">老王通过了安省地产学院</span><span style="font-family: "calibri";">(Ontario Real Estate College - OREC) </span><span style="font-family: "microsoft yahei";">专业地产课程考试</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">• </span><span style="font-family: "microsoft yahei";">拥有安省地产委员会</span><span style="font-family: "calibri";">(Real Estate Council Of Ontario - RECO)</span><span style="font-family: "microsoft yahei";">注册的全职地产经纪牌照</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">• </span><span style="font-family: "microsoft yahei";">多伦多地产局会员</span><span style="font-family: "calibri";"> (Toronto Real Estate Board -TREB)</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">• </span><span style="font-family: "microsoft yahei";">安大略地产协会会员</span><span style="font-family: "calibri";"> (Ontario Real Estate Association - OREA)</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";">• </span><span style="font-family: "microsoft yahei";">加拿大地产协会会员</span><span style="font-family: "calibri";"> (Canadian Real Estate Association - CREA)</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">隔壁老王</span><span style="font-family: "calibri";"> - </span><span style="font-family: "microsoft yahei";">以为人民服务为宗旨。专注多伦多新房，二手房，楼花，公寓交易。专业，专注，高效。买房，卖房，贷款，请找隔壁老王</span></div> <div lang="en-US" style="font-family: calibri; margin: 0in;"> <br /></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">网站： </span><a href="http://www.housebns.com/"><span style="font-family: "calibri";">www.housebns.com</span></a></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">电话</span><span style="font-family: "calibri";">: +01-289-885-1868</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">邮件</span><span style="font-family: "calibri";">: jianwang2007@gmail.com</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">微信号</span><span style="font-family: "calibri";">: housebns</span></div> <div lang="en-US" style="font-family: "microsoft yahei"; margin: 0in;"> </div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "microsoft yahei";">地址</span><span style="font-family: "calibri";">: 95 Mural St. Suite 105, Richmond Hill, ON, L4B 3G2, Canada</span></div> <div lang="en-US" style="margin: 0in;"> <span style="font-family: "calibri";"><br /></span></div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglByZwYaLBuykB2cioNacbnrHiQyq0DtvLtUXPGniMrS_VESfddxML86QV70uf9KIAsHoS5hbwosDH1QxnU7iFwDH4mSUewwbXQ3IQ4GsiqFRScoSZRB9lh_ZAIHeAmLF-B9GE2xFFdWs/s1600/1480716328539.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglByZwYaLBuykB2cioNacbnrHiQyq0DtvLtUXPGniMrS_VESfddxML86QV70uf9KIAsHoS5hbwosDH1QxnU7iFwDH4mSUewwbXQ3IQ4GsiqFRScoSZRB9lh_ZAIHeAmLF-B9GE2xFFdWs/s1600/1480716328539.jpg" /></a></div> <div lang="en-US" style="font-size: 12pt; margin: 0in;"> </div> </div>

How to Sell Your Home Without an Agent

<div><div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6xSlxPI0ql-rGOCOc1uK6Cqt0LlEEDD6tTz26VWROha4KuQPkv8hTrcs0URgiTiFEPgwrOnuRMZNd5-ho8fYMRrbZ0coQAgG_btK_QsX5z7hnhxko_9LZzccOAvob3ZJu5xmjGqXMUSo/s1600/img09.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6xSlxPI0ql-rGOCOc1uK6Cqt0LlEEDD6tTz26VWROha4KuQPkv8hTrcs0URgiTiFEPgwrOnuRMZNd5-ho8fYMRrbZ0coQAgG_btK_QsX5z7hnhxko_9LZzccOAvob3ZJu5xmjGqXMUSo/s320/img09.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9UwywusxMWnLCAhk8huE-bczEI56OqOzDvDABIhsM8FF2FvdZkXhI1bsniMSHyWu52r0ciGl4TnXOa303bBoMXtVlFguryPJ3FeFVojRcKTSx19F3BfX3KhaP1xI5nQa2rbAebKI3IPU/s1600/realty-property-minimalistic-living-room-ocean-view-600x300.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9UwywusxMWnLCAhk8huE-bczEI56OqOzDvDABIhsM8FF2FvdZkXhI1bsniMSHyWu52r0ciGl4TnXOa303bBoMXtVlFguryPJ3FeFVojRcKTSx19F3BfX3KhaP1xI5nQa2rbAebKI3IPU/s320/realty-property-minimalistic-living-room-ocean-view-600x300.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> </div> <div class="separator" style="clear: both; text-align: center;"> <br /></div> <div class="separator" style="clear: both; text-align: center;"> <br /></div> <div class="separator" style="clear: both; text-align: center;"> <u>gallery</u></div> <br /> <div> <br /></div> <div> <br /></div> </div>

Buyer’s Guide and Seller’s Guide

<div><div class="separator" style="clear: both; text-align: center;"> </div> <br /> <div class="separator" style="clear: both; text-align: center;"> </div> <br /> <div class="separator" style="clear: both; text-align: center;"> </div> <br /> <div class="separator" style="clear: both; text-align: center;"> </div> <h2 style="background-color: white; box-sizing: border-box; color: #363636; font-family: 'Open Sans', Helvetica, Arial, sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 10px; margin-top: 20px;"> </h2> <h2 style="background-color: white; box-sizing: border-box; color: #363636; font-family: 'Open Sans', Helvetica, Arial, sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 10px; margin-top: 20px;"> <div class="separator" style="clear: both; text-align: center;"> <img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPjTH_3m_z5uijQp-1KYMqpTkfYsa1wHxSKW0TVNx8WuoyJ-iW0w5J92J6PlKPH7RdJ7BNyGultGUbiVFc-hLDS4CR8mgt-WjgzlRefpmraqdQrp3Df5rne2RxL5AETjAZY5o13FmhZXQ/s320/img06.jpg" width="320" /></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSUIVOwog9wYFQS9E9kmCvv7-ZKSgyhZi7RPTG8aOVWJmi8KYynl1ZiBaJq9Lsb924GB9fa6y37meQVovelGMq6zwD1fVXN92dhNJ-F5iFelA7qOlQWv-96Ba3roGzwIFroIpNw6Hb-Cs/s1600/img07.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSUIVOwog9wYFQS9E9kmCvv7-ZKSgyhZi7RPTG8aOVWJmi8KYynl1ZiBaJq9Lsb924GB9fa6y37meQVovelGMq6zwD1fVXN92dhNJ-F5iFelA7qOlQWv-96Ba3roGzwIFroIpNw6Hb-Cs/s320/img07.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGHxjpIDT4Mj-_4-SC1AjEyXILXVHhfiWd_dv1QygpLC2P85nq8sENEpOuiRM5GbNCbNsNxcUDmwljz_32V9vDsHUSe4yI-D4plzxTHAX7WVjEfXfJKRyU-kBUXqkSg5caEN8xV1KtiOo/s1600/img05.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGHxjpIDT4Mj-_4-SC1AjEyXILXVHhfiWd_dv1QygpLC2P85nq8sENEpOuiRM5GbNCbNsNxcUDmwljz_32V9vDsHUSe4yI-D4plzxTHAX7WVjEfXfJKRyU-kBUXqkSg5caEN8xV1KtiOo/s320/img05.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ3g_9S12xBVkM8EyVnTakycsjHMDsX5jQQpFZLmtzI2lGxHWukkZeItKGtvb61L38ENCW5Gx8yKGdlQWUGLtMph7hnXUjGKQlV4bf8gJzSGsiP3-hb5Jvdazq3WL9lsTUOgI3l4GgypY/s1600/img03.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ3g_9S12xBVkM8EyVnTakycsjHMDsX5jQQpFZLmtzI2lGxHWukkZeItKGtvb61L38ENCW5Gx8yKGdlQWUGLtMph7hnXUjGKQlV4bf8gJzSGsiP3-hb5Jvdazq3WL9lsTUOgI3l4GgypY/s320/img03.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMlh6U3wn41NayZYzEC1QaC99cIwptsyFa-z-MtgX19TBLb0yQ6sJ_Qm23Kxd1UIgumY8D6g9yz8qtCvA_gnK6uT2rIlIm5T6IAqxGgezAhYXNWgnd2qXzIQVRu2oMbdopw57K__S_ts0/s1600/img04.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMlh6U3wn41NayZYzEC1QaC99cIwptsyFa-z-MtgX19TBLb0yQ6sJ_Qm23Kxd1UIgumY8D6g9yz8qtCvA_gnK6uT2rIlIm5T6IAqxGgezAhYXNWgnd2qXzIQVRu2oMbdopw57K__S_ts0/s320/img04.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigB_16Qw-_g2Clbwy6FVEduDF4urkXwmyaPuOuao03IdX7I6GGCAknNjMBg_J3bPdsrv444mB6-gBkkZKLOWrpC_ZEwl3LGJvkVi3T_4lvCzvwn7j1aVOi8Vc4whz7lSeqjvxGhy3YjFM/s1600/img02.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigB_16Qw-_g2Clbwy6FVEduDF4urkXwmyaPuOuao03IdX7I6GGCAknNjMBg_J3bPdsrv444mB6-gBkkZKLOWrpC_ZEwl3LGJvkVi3T_4lvCzvwn7j1aVOi8Vc4whz7lSeqjvxGhy3YjFM/s320/img02.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHIDfmOcaW3mqO0nRKlhwBX2bvUNU8bJYjm689tX3FC3SionTJ6In8TW9kY95RDa_O6it-KYo8KG0BuUps_3S7GEeYvgHiwerxdfodYcZIiBEzjLRdRr0yD60YY_IHVTc1RUEJWq9Pn-4/s1600/8.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHIDfmOcaW3mqO0nRKlhwBX2bvUNU8bJYjm689tX3FC3SionTJ6In8TW9kY95RDa_O6it-KYo8KG0BuUps_3S7GEeYvgHiwerxdfodYcZIiBEzjLRdRr0yD60YY_IHVTc1RUEJWq9Pn-4/s320/8.png" width="320" /></a></div> To help you throughout your process!</h2> <div style="background-color: white; box-sizing: border-box; color: #505050; font-family: Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;"> The OACIQ offers you two new tools to better understand the many steps of a real estate transaction.</div> <div style="background-color: white; box-sizing: border-box; color: #505050; font-family: Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;"> The buyer’s and seller’s guides are handy quick reference documents that contain a whole range of relevant information about the process of buying or selling a residential property with a real estate broker. Developed by the OACIQ with your concerns in mind, you will find a lot of practical information on:</div> <ul style="background-color: white; box-sizing: border-box; color: #505050; font-family: Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px; margin-left: 0px; margin-top: 0px; padding-left: 0px;"> <li style="background: url("/assets/bullet-e13b730325efbc6ae51c907d08c27d57.png") 2px 4px no-repeat; box-sizing: border-box; list-style-type: none; padding-left: 22.5px;">The Promise to purchase;</li> <li style="background: url("/assets/bullet-e13b730325efbc6ae51c907d08c27d57.png") 2px 4px no-repeat; box-sizing: border-box; list-style-type: none; padding-left: 22.5px;">The downpayment;</li> <li style="background: url("/assets/bullet-e13b730325efbc6ae51c907d08c27d57.png") 2px 4px no-repeat; box-sizing: border-box; list-style-type: none; padding-left: 22.5px;">The Brokerage contract – Sale;</li> <li style="background: url("/assets/bullet-e13b730325efbc6ae51c907d08c27d57.png") 2px 4px no-repeat; box-sizing: border-box; list-style-type: none; padding-left: 22.5px;">The <em style="box-sizing: border-box;">Declarations by the seller of the immovable </em>form;</li> <li style="background: url("/assets/bullet-e13b730325efbc6ae51c907d08c27d57.png") 2px 4px no-repeat; box-sizing: border-box; list-style-type: none; padding-left: 22.5px;">The benefits of dealing with a real estate or mortgage broker;</li> <li style="background: url("/assets/bullet-e13b730325efbc6ae51c907d08c27d57.png") 2px 4px no-repeat; box-sizing: border-box; list-style-type: none; padding-left: 22.5px;">Some specific features relating to co-ownerships;</li> </ul> <div style="background-color: white; box-sizing: border-box; color: #505050; font-family: Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;"> …and much more!<br /> <u><br /></u> <u>gallery</u></div> </div>

How to Sell Your Home Privately

<div><div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtblaWLCRbv9RKdWGV-c956-gQwXltYQ-UXl6PV9fmu_M5YwgARxtZO-46FSbmPcf5WxVQoclknADQ2t2v9_KwqwEgnaQUowM8NbICAZFZFxht5UkZQdfrWA6YqSigaubOyj1GhaFOFps/s1600/37.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtblaWLCRbv9RKdWGV-c956-gQwXltYQ-UXl6PV9fmu_M5YwgARxtZO-46FSbmPcf5WxVQoclknADQ2t2v9_KwqwEgnaQUowM8NbICAZFZFxht5UkZQdfrWA6YqSigaubOyj1GhaFOFps/s320/37.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJGUnl4VMV2A5EF3ZZxmpxbng0TREJZY5CiJL4cepYdOdJRmbcp5rEuXeq5mYQzpxl7Is1J1rTsu8n_XS0DPQzFfb3G0KNP3eZUotvaG6lnQ3IBxzxqL9y3sRHmypk7XsE8hZ6aBiZ0aE/s1600/310.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJGUnl4VMV2A5EF3ZZxmpxbng0TREJZY5CiJL4cepYdOdJRmbcp5rEuXeq5mYQzpxl7Is1J1rTsu8n_XS0DPQzFfb3G0KNP3eZUotvaG6lnQ3IBxzxqL9y3sRHmypk7XsE8hZ6aBiZ0aE/s320/310.jpg" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnOY4GwJhUQxLkD6rnlVB47UAefDSL81qskzw0As4TjAz73WMdTNAk7BbP3EQv35uC_IzIJSrONS-twfBC3B8-cROttxngqkl8SwBAEAPb7ohGkc4_8yOlZpkYA_e5y9zz1V2scfcsoUU/s1600/4.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnOY4GwJhUQxLkD6rnlVB47UAefDSL81qskzw0As4TjAz73WMdTNAk7BbP3EQv35uC_IzIJSrONS-twfBC3B8-cROttxngqkl8SwBAEAPb7ohGkc4_8yOlZpkYA_e5y9zz1V2scfcsoUU/s320/4.png" width="320" /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCRcINWh4QwsE1IflimmgsY7VhXHYp6mGUWuIFuy8gwhlX__UgB51ypIOEos_M6HRw90b2BY2v3Es7T3Ehy3pEe8dJRLGZVtogUaqZJic3isflj-jlBGMYOzynAYbz9f4LwEkud7kH8JA/s1600/56.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCRcINWh4QwsE1IflimmgsY7VhXHYp6mGUWuIFuy8gwhlX__UgB51ypIOEos_M6HRw90b2BY2v3Es7T3Ehy3pEe8dJRLGZVtogUaqZJic3isflj-jlBGMYOzynAYbz9f4LwEkud7kH8JA/s320/56.jpg" width="320" /></a></div> <span style="font-family: "verdana" , sans-serif;"><br /></span> <span style="font-family: "verdana" , sans-serif;"><br /></span> <span style="font-family: "verdana" , sans-serif;"><iframe width="560" height="315" src="https://www.youtube.com/embed/4I9nN4ztKkA" frameborder="0" allowfullscreen></iframe></span><br /> <span style="font-family: "verdana" , sans-serif;"><br /></span> <span style="font-family: "verdana" , sans-serif;">According to the 2010 National Association of REALTORS® Profile of Home Buyers and Sellers, the biggest concern among "For Sale By Owners" is pricing their home correctly.  If a home is not priced correctly, it will stay on the market longer, sell for less and miss the critical "first impression phase" . Learn how to stop this from happening to you and more...   </span></div>