刷卡分期、大額資金入帳，竟然影響房貸額度！？揭秘銀行審核的「扣分地雷」！【好事貸Podcast S5E12】

Buying a house is a major life event, but did you know that a casually clicked "credit card installment" or an unknown "large sum of money" could drastically reduce your mortgage amount? If you're currently preparing to buy a house or apply for a mortgage, you absolutely must listen to this episode. Let us tell you from a professional banking perspective which behaviors can severely damage your credit score. Listen to our sharing! |Key Content| 00:00 Preview 01:07 Buying a phone on installment can actually affect your mortgage amount? 02:36 Three installment methods, mistakes can lead to significant points deductions! 07:06 How long does it take to clear a blacklisted credit history? 08:22 Are banks being too controlling? Is it not allowed for relatives and friends to help with home purchases? 10:06 Is it okay to borrow from parents or relatives for the down payment? 10:36 Why is using loans or additional loans to cover the down payment so sensitive now? 15:01 To-Do List for the Six Months Before Buying a House? #CreditCardInstallment #BillInstallment #CreditScore #JointAssessment #MortgageApproval #DownPayment #Credit #LoanIncrease #HomeBuyingKnowledge #HaoShiDai #WhatBanksDontTellYou #FinancialKnowledge #LoanTips #LoanMyths ░░░░░░░░░░░░░░░░ 💡Loan Expert Gui Ge💡 Sun Honggui, a senior bank manager with 16 years of experience, has consistently ranked No. 1 in mortgage performance nationwide for many years. He founded HaoShiDai in 2017, aiming to become the No. 1 brand for second-child mortgages. Five-star rating from Google Merchants🌟 Professionalism You Can See. About Kuei ➡️ https://loantw.cc/kuei Official Website ➡️ https://houseloan.tw/ Official Line Account ➡️ https://loantw.cc/official Official Line ID ➡️ @loantw Contact Number ➡️ 0800213886 ░░░░░░░░░░░░░░░░ 📝HouseLoan IG📝 The most insightful current affairs analysis and super-exciting infographics share knowledge with you, making loans no longer a difficult thing! ➡️   / houseloan   🎧HouseLoan Podcast🎧 Insider secrets that schools don't teach, banks don't tell, and even Lonely Dogs might not be able to find! Mortgage managers Zhou Jinguang🙋‍♂️ and Zhang Yingru🙋‍♀️ go live every Friday at 6:15 PM! ➡️ https://loantw.cc/podcast