信貸評分知識

其實好多人冇借錢,個評級都唔高,原因呢個並非唯一考慮.

譬如有D人會因為信用卡有野送,就係咁樣走去申請,咁發咭機構會查下你個評級,如果你個評級記錄經常被翻查,都已經會影響評級.

你講得岩,呢樣野係會影響貸款,例如將來有機會買樓,所以唔好因少失大.

*影響評級(正面或負面)有多個因素,但我冇力詳細列舉,等其他人答埋你.

1. Credit rating is not an absolute value, but a relative value.

In short, it represents how good or bad your credit condition is against others.

Even you paid all outstanding balance in full, it does not necessary mean your rating will improve.

2. No. Banks do not care the rating as it is a relative value.

To a bank, what they are really looking for (from your credit report) are:

a. Your repayment ability (over limit, on-time payment, etc.)

b. Your total outstanding debts;

c. Public records

d. Your identity

Banks have in fact denied credit applications even with excellent ratings.

3. Yes. Banks in Hong Kong are greedy. Regardless of your credit conditions, your rates are pretty much non-negotiable from the beginning.