j*****e 发帖数: 333 | 1 钱有点不够,申请一个15个月内0利率的信用卡,打算把帐单转到上面,银行里钱存着
付首付,申请贷款的银行会查我信用卡里的帐单是多少么?会发现了就不给贷款么?谢
谢! |
k******o 发帖数: 3328 | 2 Your credit report pulled by your broker contains the balance. Your
increased monthly obligation payment will increase your debt level.
贷款会批,贷款额会reduce.
【在 j*****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 钱有点不够,申请一个15个月内0利率的信用卡,打算把帐单转到上面,银行里钱存着 : 付首付,申请贷款的银行会查我信用卡里的帐单是多少么?会发现了就不给贷款么?谢 : 谢!
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j*****e 发帖数: 333 | 3 谢谢!也就是说不影响能否拿到贷款,只是能贷到款的数量降低了,对么?如果贷款数
额只是一年工资的数量,应该还是能贷的到款的吧?谢谢指教!
【在 k******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Your credit report pulled by your broker contains the balance. Your : increased monthly obligation payment will increase your debt level. : 贷款会批,贷款额会reduce.
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d*e 发帖数: 999 | 4 你咋没明白呀?假设你买的房子是100K,你有10K,打算用信用卡付10K,贷80K。银行
发现你信用卡上的10K后,就只会贷给你70K,你还是差10K。 |
j*****e 发帖数: 333 | 5 哦,明白了。那就是说我去用信用卡也没用了?呜呜
【在 d*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你咋没明白呀?假设你买的房子是100K,你有10K,打算用信用卡付10K,贷80K。银行 : 发现你信用卡上的10K后,就只会贷给你70K,你还是差10K。
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k******o 发帖数: 3328 | 6 不客气.
【在 j*****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢!也就是说不影响能否拿到贷款,只是能贷到款的数量降低了,对么?如果贷款数 : 额只是一年工资的数量,应该还是能贷的到款的吧?谢谢指教!
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e***z 发帖数: 7126 | 7 不一定。取决于你的收入。
如果你收入超高手副超低
从卡里取钱没事。 不过要提前几个月,否则银行问你来源就形成了上述局面
【在 j*****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 哦,明白了。那就是说我去用信用卡也没用了?呜呜
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c***a 发帖数: 942 | 8 they will calculate your credit card payment as your monthly liability. But
the credit card payment is only the minim payment due, so it won't affect
you too much. High credit card balance will affect your credit score. |
p******y 发帖数: 3523 | 9 应该是可以的,需要提前借出来,留足够的时间让credit report上能够显示出这个
liability。只要Debt to income ratio没问题就可以。 |
k******o 发帖数: 3328 | 10 是的。 不是1-1 relationship.
But
【在 c***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : they will calculate your credit card payment as your monthly liability. But : the credit card payment is only the minim payment due, so it won't affect : you too much. High credit card balance will affect your credit score.
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b*d 发帖数: 9308 | 11 一定会影响信用分数的,不做只要能够维持在740以上,就可以拿到最好的利率.
But
【在 c***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : they will calculate your credit card payment as your monthly liability. But : the credit card payment is only the minim payment due, so it won't affect : you too much. High credit card balance will affect your credit score.
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