宜蘭代書借款 Dcard 信用不良-銀行車貸試算小額借款－wmgaa8的部落格

宜蘭代書借款 Dcard 信用不良-銀行車貸試算小額借款

26A

銀行貸款不過怎麼辦 ? 該如何提高貸款過件率 ?

跟各位提醒再提醒

一家銀行貸款婉拒不過不代表其他銀行也會婉拒

只要找到 "真正專業的貸款顧問" 協助. 再一次分析評估你的情況

辦理貸款還是有機會過件的

貸款雖然有十多家銀行可以挑選

但選擇貸款銀行可千萬不能只憑直覺廣告吸引、朋友介紹

因為每一家銀行貸款門檻不同爭取的客群不同，要求也就不一樣

許多人只會找信任的銀行或利率低的銀行

往往卻忽略 " 貸款過件才是重點 "

你當然可以一家家嘗試，直到找到喜歡你的銀行

但無形中聯徵查詢次數已經過多

就算你條件再優質收入再高也是枉然

現在就告訴你以我過往的經驗. 通常貸款會被婉拒的理由吧

信用卡循環問題

包括信用卡動用循環過高、預借現金或是有循環金額轉分期還款、

以及信用卡有超額刷卡(爆卡)。

因為長期循環會造成信用評分過低

此類問題通常是想要申請貸款的最大困擾!!

帳戶月光足問題

存摺沒有存款代表您無法順利支付貸款下來的貸款月付金

銀行有倒債的風險故月光族客戶列為高風險原則上不承作

近期信用聯徵查詢

由於銀行有限制聯徵中心信用查詢的次數

一般來說銀行限制近三個月內3次

但有些銀行則只要你有" 自行查詢紀錄 "

(即自行到聯徵中心調閱聯徵報告)就予以婉拒!!

信用評分問題

這部分分成銀行內部評分不足和聯徵中心評分不足

銀行內部評分不足

銀行內部系統會依據客戶條件做出評分，若評分過低則不予核貸!!

聯徵中心評分不足

聯徵中心會依據個人與銀行往來的狀況做出評分

有些銀行是依據此評分來做出核准與否的依據

有些銀行則僅參考此一評分!!

負債過高

包括每月的收入要償還貸款的比例過高

名下總負債高於金管會規定的22倍限制

某些銀行不承辦代償案件、有房貸或車貸造成月付金也會被拒絕

繳款不佳(信用瑕疵或不良)

信用卡、信貸或現金卡有遲繳記錄、曾經有嚴重繳款不佳記錄

內部記錄曾有問題

因為從前與某家銀行往來的記錄不佳而造成無法貸款

有些銀行則會因為配偶曾經與該銀行往來繳款信用不佳而無法貸款

(查配機制)!!

職業收入

各家銀行願意或不願意承做的職業類別不同，

比方說有些銀行可以承做保全人員，但有些保全人員則不予承做。

另外，倘若你收入不明確，也會造成你無法順利貸款。

聯徵中心信用狀況問題

曾經有信用不良紀錄或配偶有信用不良紀錄

雖然已經繳清但是聯徵中心依然還有紀錄造成無法貸款。

或者曾經有當保人因被保人遲繳造成保人信用問題。

上面符合你的選項越多，申請的難度就越高

不過請一定要記住

就算你曾遭到銀行婉拒，此時你更應該諮詢

" 專業的貸款顧問 "

透過分析和規劃找出自己遭到婉拒原因並且改善

並審慎把握聯徵次數

多數問題其實都可以迎刃而解

分享我先前整理的

<服務破百萬人次-銀行貸款專家>-貸款免費諮詢專業平台

(點我看之前文章)

其中再推薦給各位非常專業的 " 免費諮詢管道 "

只要你想跟銀行借錢 , 你想知道以你目前的情況

1. 怎樣貸才貸得出來

2. 怎樣跟銀行借錢速度最快

3. 怎樣貸利率低

4. 每月負的利息錢不會造成你的負擔

只要到他們網站填寫免費諮詢表格 , 馬上會有專人跟您連絡

只要跟他們說你 "有貸款需求" , 它們就會免費為你找尋適合的方案

< 就算評估之後不適合 , 不貸款也是不用收費喔 ! >

建議每一家都填表去免費諮詢看看

同時很多人幫你找方法 , 也會增加你核貸的機率

多比較不同專家給的意見 , 最後再選擇最合適自己的

那才會是最好的方案 ! !

"註：1.以上方案以各家貸款公司官網所提供之資訊為準 2.以上所有貸款方案之總費用年百分率不等於貸款利率，實際貸款條件(例：核貸金額、利率、月付金、帳管費、手續費、票查費、提前清償違約金、信用查詢費等)視個別銀行貸款產品及授信條件不同而有所差異，銀行保留核貸額度、適用利率、年限期數與核貸與否之權利，詳細約定應以銀行貸款申請書及約定書為準。"

This content was produced in partnership with HSBC

Just like we all have different tastes when it comes to food and fashion, our approach to finances can vary greatly from one person to the next. Financial psychology is a growing field that examines how our upbringing and family dynamics can determine our relationship to money and whether we become splurgers, savers, or something in between.

While psychologists say there are as many as seven distinct money personality types, according to financial counsellor, Jen Hemphill,host of the Her Dinero Matters podcast, most specific money personalities can be divided into three main types, which she calls the Planner, the Giver and the Spender.

Hemphill describes the Planner as the one that “likes to save, budget, invest and is very watchful of their money. Being organised and planning all that is very important to them. The saver and the investor is part of who the planner is,” while the Giver is someone who “puts others before self – which is not the best thing to do all the time – but it’s important for them to give, maybe due to a feeling of status, or maybe it’s because of their strong values.”

The third type, the Spender, is the “carefree person who’s very optimistic about life and spontaneous with their purchases. There’s no waiting about a purchase – they just do it. There’s no overthinking.”

Hemphill says there’s overlap between these differing money personalities. Not only can you be a bit of all of them, but in different seasons of life, you can shift from one type to another. “You can change at any given point, and I think you can have a little bit of all three,” Hemphill says.

Read on for some tips and ideas on how to better handle your finances depending on what kind of money personality you are, to help make your money work smarter for you.

Do you like to splurge but also save?

It’s not uncommon to share features of different money personality types: you may be frugal in one area of life but a carefree spender in another. Perhaps you like to give money to family members or charitable causes… even though that money could have come in useful in your own life? The best way to manage spend/save personalities is to acknowledge this about yourself – and then plan ahead accordingly.

“What dollar amount makes sense for your household finances when you want to go buy something or spend time with friends? How do you plan in a way that you can set that money aside for sending or giving, that doesn’t interrupt what you need to do, like pay your expenses, pay for the long-term and get out of debt?” says Hemphill.

You can also ensure that your spending works smarter by signing up for a rewards-based bank account and credit card. Take the HSBC Everyday Global Account and HSBC Credit Card – simply signing up for them via HSBC Personal Banking can earn you up to S$400 cashback, or S$200 cashback plus a piece of Samsonite luggage worth S$670 (*1).

This Everyday Global Account can also yield you up to S$600 cashback and bonus interest each month, on top of whatever cashback or rewards you may be earning on your credit card, as well as various deals and discounts across dining, retail and travel, so you can save while you spend.

Are you all about savings? Would you like to invest your money and explore various routes to grow your money?

Planner money personalities who are all about saving and growing money should diversify with investments but need to assess their risk tolerance to ensure they invest in things that make sense, especially since some stocks are very volatile. Understanding all the benefits and risks ahead of time can make all the difference when it comes to growing your money.

“You also want to consult a financial planner because, with different stages in your life, your investment strategy will need to change,” explains Hemphill. “Maybe it needs to be riskier because of whatever goals you have. Maybe it will take you a little longer, so you need to invest a little more aggressively. Or maybe you're nearing retirement and need to invest in things that aren't as aggressive.”

Unit trusts is one way to invest your funds, with professional managers overseeing your money. There are regular saving plan options that allow you to set aside a monthly sum for investments. At the same time, the HSBC Everyday Global Account enables you to exchange and store your foreign currencies to invest at favourable exchange rates, together with the HSBC Investment Account which also gives clients access to competitive equities brokerage fees and same-day buy/sell capability.

In addition, using the HSBC Singapore app, you can manage investments easily in one view. To help you in your investment journey, you can now enjoy S$200 cash reward when you sign up for the HSBC Everyday Global Account and open an Investment Account (*1).

The HSBC SG App is one good way to get started on your investments. With just a single log-in, you can open a Unit Trust investment account, explore, review and shortlist funds from over 100 unique funds across risks profile (including ESG funds). You can continue to buy and sell Unit Trusts via a Regular Savings Plan or lump sum, depending on your investment needs and strategies.

For those who prefer to trade on equities, you can do so with the same log-in and take advantage of trading opportunities in the US, Singapore and Hong Kong markets, enjoying competitive brokerage fees favourable to the investor.

信貸審核時間 Dcard 宜蘭代書借款 Dcard 信用不良-銀行車貸試算小額借款

Do you worry about money losing money? Are you indifferent to money or feel you don’t have the time to plan your finances?

Not everyone feels super-confident about their finances – or you might be someone who is indifferent to money or doesn’t have the time to sort out your finances properly. However, Hemphill says that if you have a fear of finances, understanding where that comes from will impact your attitude towards money and how you manage it.

“Also: identify what your money strengths are. Even though you may fear money or lack confidence because you don't know how to manage money or you're always overspending, there’s always a money strength that you have. Identifying those money strengths is going to give you that boost of confidence that you need,” she explains.

She also suggests reframing how you think about money and finances: it doesn’t have to be a complex, scary thing, but it is a personal journey, so stop comparing your experience to others.

“How we get from A to B will be differ for everyone. We want to use tools that fit our lifestyle and make sense to us. It’s about keeping it simple, doable and something that you will be consistent with.”

Manage your cash flow and be rewarded for your everyday transactions with the HSBC Everyday Global Account. This account enables HSBC Personal Banking customers to make their money work harder by earning up to S$600 cashback and bonus interest each month through the HSBC Everyday+ Rewards Programme (*2). Having everything in one place, with an easy-to-use app to help you manage it all, can take away the stress and hassle of dealing with different, confusing financial institutions.

If you want help managing your money, think about talking to a professional at HSBC to invest your money to help your money go further.

Personal Banking can support you in your financial needs, whatever money personality type you are… simply bank, spend and invest and get sign up gifts worth up to S$1,070. Offer valid till 30 Sep 2022 (*1). Find out more at www.hsbc.com.sg/personal-banking

Disclaimers

(*1) Visit hsbc.com.sg/ega for more details on the HSBC Everyday+ Rewards Programme.

(*2) Terms and conditions apply. SGD deposits are insured up to S$75k by SDIC.

You should not use or rely on this material in making any investment decision. This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. Before you make any investment decision, you may wish to consult a financial adviser. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the investment product is suitable for you. The value of investments and units may go down and up, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. Investors and potential investors should read the relevant prospectus or product information before investing.