Pre-sale completion coming up but don’t meet bank requirements? Golden Top’s Pre-Sale Loan helps you cross the finish line with ease. Enjoy rates comparable to standard mortgage products, with fast approvals and a stress-free process. Golden Top is here to safeguard your closing.
borrowers
Golden Top’s Pre-Sale Completion Loan is designed to support homebuyers across Greater Vancouver as they prepare for the final step of their pre-sale purchase. When your new home approaches completion, unexpected financial gaps or tightened bank criteria can easily complicate the closing process. Our Pre-Sale Loan provides a reliable and efficient solution, ensuring that you have the funds necessary to complete your purchase with confidence. Backed by Golden Top’s strong capital reserves and over a decade of private-lending expertise, clients receive transparent terms, streamlined approvals, and personalized guidance throughout the process.
With the Pre-Sale Loan, clients can enjoy interest rates fully competitive with our standard mortgage products, allowing you to secure completion financing without paying a premium. This product is ideal for both end-users and investors who require fast, flexible, and stress-free funding at the completion stage. Whether you face challenges such as limited taxable income, offshore income verification, or last-minute funding needs, Golden Top offers a tailored financing pathway to help you close on time. Our mission is to ensure your homeownership journey continues smoothly—right up to the moment you receive your keys.
For brokers
Golden Top’s Pre-Sale Completion Loan is engineered to give mortgage brokers a dependable solution for clients who require last-mile financing on pre-sale units. The product accommodates borrowers who may not fully meet bank requirements at completion, including those with non-traditional income, foreign income, or liquidity constraints. Our underwriting process prioritizes asset strength and market viability, allowing brokers to secure approvals quickly and maintain high client satisfaction, even under tight completion timelines.
Brokers can offer their clients highly competitive pricing, with interest rates comparable to Golden Top’s standard residential mortgage products. Our lending structure is flexible, and our turnaround time is among the fastest in the private-lending sector, with same-day reviews available for urgent files. Dedicated broker support ensures transparent communication, predictable decision-making, and strong funding reliability. Golden Top remains committed to helping brokers close more deals efficiently while enhancing the overall client experience at completion.
满足其一，即可申请
房本
中国三线及以上城市区域住宅、
商业土地、商铺
现金
人民币现金、
定期存单、银行理财等
股权
中国私营公司股权
（上市公司或非上市公司）
应收账款
可确认、可专访、
可回收的应收账款
好友助力
非亲属好朋友，
有一定的资产要求
基本条件
· 提供符合条件的全球资产证明；
· 贷款仅限用于购买加拿大房产或土地；
· 须提供一个非直系亲属的第三方担保；
· 借款人和担保人均无不良信用记录、无诉讼、未被列入失信名单；
· 明确、清晰的还款来源。
Your Pre-Sale Home Is Almost Ready.
Golden Top’s Pre-Sale Completion Loan—a solution for closing your pre-sale property in Greater Vancouver.
1.Bank says no? Income too low? Offshore income?
We say YES.
2. Enjoy ultra-competitive rates—on par with our standard mortgage products.
No premium. No hidden fees. Just smart financing that works.
3. 24-hour turnaround available for urgent completions.
Because your keys shouldn’t wait.
With over a decade of lending experience and one of the strongest private-capital teams in Vancouver, Golden Top ensures your closing is smooth, stress-free, and fully funded.
Your home is ready.
With Golden Top, your financing is too.
常见问题
1. 针对不同的海外资产，可贷比例是多少？
答：参考下图
| 资产类型 | 可贷比例 |
| 中国三线及以上城市区域住宅、商业土地、商铺 | 50% |
| 人民币现金、定期存单 | 90% |
| 中国私人实体公司股权 | 50% |
| 可确认、可转让、可回收的应收账款 | 70% |
| 非亲属好朋友担保 | 最高30万加币 |
2. 中加通·购房贷贷款期限可以多长呢？
答：短则一个月，最长半年，随借随还，到期可以续约！
3. 中加通·购房贷利率是多少呢，如何操作呢？
答：金鼎公司的利率是6%左右，服务费是2%，但需要您在国内提供相应比例价值的人民币保证金。我们会协助您从国内银行机构贷出人民币保证金，这样您的财务成本是最低的。
当然，您也可以选择直接找我们在中国合作的金融机构贷出人民币保证金，我们合作的金融机构的利率接近银行的贷款利率，他们会提供上门尽调及签署合同的服务。
4. 中加通·购房贷只能用于购房吗？
答：除了用于支付购房款或购房款资金证明，还可以用于客户已有房产上的债务重组，如再融资或转贷款等。
5. 对于中国的房产，需要在当地办理抵押登记吗？
答：一般不需要办理抵押登记，但要求将不动产产权证书交由我们保管。
6. 用中国公司股权担保贷款，对中国公司的要求是什么？
答：
（1）应为借款人控股的公司，即借款人持股至少50%以上（上市公司除外）；
（2）公司是运营的公司，成立三年以上；
（3）公司近两年税后利润不得为负；
（4）公司的进两年财务报表经专业的会计师事务所审计。
7. 如果使用人民币现金担保，如何操作呢？
答：您需要将人民币现金转入我们指定的国内银行账户作为保证金，我们在温哥华贷出相应比例等值的加币。
8. 我可以使用亲戚和朋友的海外资产担保吗？
答：可以。
9. 非直系亲属的担保人可以在中国吗？
答：可以，非直系亲属的担保人在中国或加拿大都可以。
10. 办理时间一般多长呢，手续是否简便？
答：从资料齐全到发放贷款一般需要一周左右，手续简便。
服务案例
@Mr.Zhang
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