NND，为什么不让Finance

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我本来想finance一辆新车，结果dealer收了我两千的deposit，而且我打算付21000的downpay，结果都交了钱，他今天突然告诉我不能finance我了，既然你当时不清楚，为什么还要我叫deposit，大家帮我说说这不是欺负人吗？我又不是没钱给，而且最孙子的是他们告诉我因为我不是加拿大人，所以不给finance，就算有work permit，sin number也不行。我都快被他们气炸了，觉得我们中国人没钱是怎么着，加拿大每年拿我们中国人这么多钱，靠，还欺负我们，恨死加拿大了！！！

 

[路顺]

Take it easy, man.
批不批贷款其实更多的是取决于你的信用评分，收入情况，和还贷能力的评估。跟你是哪国人没有什么直接关系，见过太多的本地人信用记录不好一样贷不到款买不了车，也有很多case 留学生或者工签顺利拿车，很多甚至是0down.
信用记录在北美是很重要的个人信息，一定要谨慎对待。有问题的话，也许可以帮到你。

 

[precised]

因为次级信贷危机,可能现在卡得严了

 

[snoopy]

最初由 路顺 发布
Take it easy, man.
批不批贷款其实更多的是取决于你的信用评分，收入情况，和还贷能力的评估。跟你是哪国人没有什么直接关系，见过太多的本地人信用记录不好一样贷不到款买不了车，也有很多case 留学生或者工签顺利拿车，很多甚至是0down.
信用记录在北美是很重要的个人信息，一定要谨慎对待。有问题的话，也许可以帮到你。

Agree.
One of my co-workers (local) got turned down before too.
B'coz of her credit history and her age.

BTW: check the aggreement you signed. The deposit should be refundable (depends on which dealer you go).
Next time, be careful and enforce the refund of deposit if your application didnt go thru.

Another thing to help you get the loan is to pay the majority of the car off upfront and get a smaller loan. Easier for it to go thru.

 

[cvictor]

哈哈，你欠债的记录不多。当然没人敢借钱给你了。

 

[路顺]

最初由 snoopy 发布


Agree.
One of my co-workers (local) got turned down before too.
B'coz of her credit history and her age.

BTW: check the aggreement you signed. The deposit should be refundable (depends on which dealer you go).
Next time, be careful and enforce the refund of deposit if your application didnt go thru.

Another thing to help you get the loan is to pay the majority of the car off upfront and get a smaller loan. Easier for it to go thru.

Like this case, you will get your deposite back without any obligations, no dealership can refuse to do so by law.

 

[livingInToday]

try to build up your credit. Otherwise, you'll always running into trouble when you need to finance something.

 

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thank you guys