自雇借款人在申请房贷时面临独特挑战。银行需要正式财务报表来核实收入。
如果您是自雇人士并计划购房，银行需要您的账目完成时间比IRD要求的早得多。
银行需要：两年会计师准备的财务报表、两年报税表、过去12个月的GST申报表、企业银行对账单，以及会计师确认信函。关键点：银行需要当年财务数据。
IRD截止日期延长至次年3月。但银行通常从8月起就需要当年财务数据。
银行看净利润，非营业收入。激进的税务抵扣可能降低借贷能力。
4-5月完成账目，6-7月安排预批，8月起放心看房。
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Talk to an Adviser银行从8月起需要当年财务数据。在4-5月完成账目。
银行使用净利润，非营业收入。
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