Even rich people have trouble getting home loans.
哪怕是富人,也有贷不到房贷的时候。
Some wealthy home-buyers who could pay cash for million-dollar properties but opt for loans are finding they don't meet typical lending requirements. Now a growing number of lenders are loosening the rules to help these high-end buyers qualify for a mortgage.
一些富人有能力全款购买数百万美元的房产,但选择了贷款购房,结果却发现自己连最普通的贷款标准都满足不了。现在,越来越多贷款机构都在放宽标准,帮助这些高端买房人具备贷款资格。
Earlier this year, Kevin Sheridan applied for a $1.1 million home mortgage in the northern suburbs of Chicago. He expected to breeze through the process since he had recently sold a multimillion-dollar human-resources consulting firm and was flush with cash. But a lender turned him down because he didn't carry enough debt. Mr. Sheridan, 52 years old, had paid off previous car loans and mortgages, and says he always pays off his monthly credit-card balance. Stunned, Mr. Sheridan turned to a local bank where he has kept large business and personal accounts for 20 years. That bank gave him a mortgage -- because of the assets he held there.
今年早些时候,凯文·谢里丹(Kevin Sheridan)在芝加哥北郊申请了一笔110万美元的按揭贷款。他以为手续会很快办完,因为不久之前他刚刚卖掉了一家价值数百万美元的人力资源咨询公司,现金充盈。但一家贷款机构拒绝了他,原因是他债务不够多。52岁的谢里丹已经还清了之前的车贷和房贷,并称其信用卡从不拖欠。吃惊之余,谢里丹找到他在当地一家开了20年公私账户的银行。这家银行给他发了一笔按揭贷款──因为他在那家银行存有财产。
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