Darjeeling_ma 發表於 17-6-13 11:36
Plan 緊結婚，所以想借錢買樓，但新手唔係好識，申請得太多信用卡係咪會信貸評級低左，會唔會借錢少左？ ...
if you have target, you may ask the bank to pre-approve the mortgage loan to you. This is kind of rehersal and you can see how the process proceed.
Normally, the bank will see how much outstanding loan you have, your credit rating (from the central rating agent, if you had missed any loan payment, you will have lower credit level).
Credit rating of yourself is just one of the considering factor.
The mortgage also depend on the property you bought etc.
So it is clear and easier to apply the mortgage loan first to see see.
Just a kindly reminder. Do you know why they are willing to give you Starbucks voucher? This is the way to attract people to contribute their personal data. Personal database is very important for credit agency. In big data world, personal data is pricelss....
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但銀行會check你信用卡有冇欠款。。還卡數準唔準時果d。。話係會有影響的你有冇野分期供緊。。會影響到你借得足唔足。。印象係咁。
咁即係好似睇左個評級先再問銀行好似好D。我見到上面條LINK 好似唔洗錢拎個信貸報告仲有STARBUCKS 送好似幾抵咁!
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