一些贷款机构说,他们在为少部分客户(2%到5%)提供标准有所放宽的私人按揭贷款。有些贷款机构说,自从金融危机以来,这类贷款的需求已经增加。没有数据表明全美有多少富裕买房人申请按揭贷款被拒。
'Over the past two years, we've seen a meaningful increase in clients seeking flexibility,' says Chris Bergstrom, chief credit and risk officer at Cardinal Bank, a subsidiary of Cardinal Financial Corp.
Cardinal Financial Corp.旗下银行Cardinal Bank的信贷与风险负责人克里丝·伯格斯特龙(Chris Bergstrom)说,在过去两年,希望灵活贷款的客户数量出现了实质性的增长。
Cardinal Bank's mortgage lending arm, George Mason Mortgage, says certain mortgages will allow for lower credit scores if the borrower makes a larger down payment or has relatively low debt compared with personal income. Ultra Mortgage, a mortgage broker in Marlton, N.J., says substantial liquid assets, such as a large savings or brokerage account, can also occasionally offset a marginal score.
Cardinal Bank旗下按揭贷款公司George Mason Mortgage说,如果借款人首付比例较高、或债务占个人收入比例较低,某些贷款是可以容忍更低的信用评分的。新泽西州马尔顿(Marlton)的按揭贷款中介公司Ultra Mortgage说,如果流动资产充足,比如拥有大额存款或证券账户资金,则有时可以弥补评分不足。
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