C**********d 发帖数: 545 | 1 我目前要先买车,后买房,但两者基本上会差不多一个时间开始付钱,于是在纠结车还
要不要贷款。想问问,申请房贷的时候,银行是只看credit score,还是很详细的看看
还有没有其他贷款,如车贷之类的?如果有一个刚刚开始的车贷,会对申请房贷产生好
的作用还是不好的作用呢?我刚毕业,目前score 700-。 |
M********I 发帖数: 848 | 2 Bank will ask if you have other debt that not shown in credit report.
Car loan will count to your debt to income ratio , which is important factor
about if you can get the loan . Usually dti need < .45
【在 C**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我目前要先买车,后买房,但两者基本上会差不多一个时间开始付钱,于是在纠结车还 : 要不要贷款。想问问,申请房贷的时候,银行是只看credit score,还是很详细的看看 : 还有没有其他贷款,如车贷之类的?如果有一个刚刚开始的车贷,会对申请房贷产生好 : 的作用还是不好的作用呢?我刚毕业,目前score 700-。
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C**********d 发帖数: 545 | 3 谢谢你的回答,有三个问题:
1. loan是不在credit report里的吗?
2. debt to income ratio越高越好吗?
3. "dti need < .45"是什么意思啊?
谢谢!
factor
【在 M********I 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Bank will ask if you have other debt that not shown in credit report. : Car loan will count to your debt to income ratio , which is important factor : about if you can get the loan . Usually dti need < .45
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M********I 发帖数: 848 | 4
It will be , but take some time to into the system
The lower the better
Debt to income <45%
【在 C**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢你的回答,有三个问题: : 1. loan是不在credit report里的吗? : 2. debt to income ratio越高越好吗? : 3. "dti need < .45"是什么意思啊? : 谢谢! : : factor
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M********I 发帖数: 848 | 5 1. Loan will be in credit report , but it take some time into system
2 the lower the better
3 debt to income ratio <45%
【在 C**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢你的回答,有三个问题: : 1. loan是不在credit report里的吗? : 2. debt to income ratio越高越好吗? : 3. "dti need < .45"是什么意思啊? : 谢谢! : : factor
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C**********d 发帖数: 545 | 6 1明白了。。。
那在45%以内的时候,是越高越好吗?不然为什么有人说,搞了一个车贷还着,再申请
房贷的时候信用就更高??没还清的车贷也能有助于房贷吗?我应该车贷房贷加在一起
也是<45%的
【在 M********I 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1. Loan will be in credit report , but it take some time into system : 2 the lower the better : 3 debt to income ratio <45%
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M********I 发帖数: 848 | 7 Still the lower the better
Continue payment without late for long time can improve your credit score
But if you get car loan and mortgage at same time , car loan can do nothing
good to mortgage if it does no bad
【在 C**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1明白了。。。 : 那在45%以内的时候,是越高越好吗?不然为什么有人说,搞了一个车贷还着,再申请 : 房贷的时候信用就更高??没还清的车贷也能有助于房贷吗?我应该车贷房贷加在一起 : 也是<45%的
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C**********d 发帖数: 545 | 8 好的,谢谢你了!
nothing
【在 M********I 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Still the lower the better : Continue payment without late for long time can improve your credit score : But if you get car loan and mortgage at same time , car loan can do nothing : good to mortgage if it does no bad
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