八月份开始贷款更难了

z.xyz

Under Australia credit reporting system, from August 2015 banks will begin sharing whether you have made your payments with credit reporting bodies - Veda, Experian, and Dun & Bradstreet to give you a more balanced credit history.

These industry-wide changes allow credit providers (such as banks and credit unions) to share more of your credit history with credit reporting bodies and use this to help them determine your creditworthiness. The information about your banks accounts will be available on your credit report in the future.

Your credit report contains details of your credit applications and also lists any significant problems you may have had meeting repayments. Once all your credit providers begin sharing more information to the credit reporting bodies, your credit report will contain additional details of your open and closed consumer credit accounts, including credit limits and up to two years repayment history.
creditsmart.org.au

davidludut

这是影响信用卡申请的还是贷款申请？

水米

本来就是要看credit report的啊。。。

kvwb

那就意味着银行越来越牛

有更大的余地挑选把钱给谁，让谁发财银行说了算

penny

要加息了吗

spacc

靠，不给贷换银行，还一棵树吊死啊？
有钱就是爷，但要守纪律

lobsters

本来贷款就要查Veda，又不是啥新东西

lqbzddx

上万能的broker

z.xyz

lobsters 发表于 2015-7-17 15:09
本来贷款就要查Veda，又不是啥新东西

没说不查credit reports啊，只是说它们将包含更多信息，可能包括你上次逾期不缴的罚款。八月份开始贷款更难了。。。

lobsters

z.xyz 发表于 2015-7-20 09:29
没说不查credit reports啊，只是说它们将包含更多信息，可能包括你上次逾期不缴的罚款。八月份开始贷款更 ...

本来veda的report就啥都有，这次只不过共享罢了，换汤不换药，银行不房贷喝西北风去呀。

z.xyz

lobsters 发表于 2015-7-20 09:31
本来veda的report就啥都有，这次只不过共享罢了，换汤不换药，银行不房贷喝西北风去呀。 ...

from August 2015 banks will begin sharing whether you have made your payments with credit reporting bodies
之前这些信息是不在credit reports里的，除非defaults。。。

AragornII

看不懂了

alook

bjzh

这波涨势是地利率放贷闹的，经济下行银行盘子放太大了，p怕怕了，收紧放贷房价下跌，等于自杀，继续放贷拖市等着被杀，总之，这是要次贷危机的节奏，大家小心了

vinsonxue

感觉没有什么 区别

kuangzigong

刚贷款买了地，一晚就过了，呵呵

newfoot365

如有一桩小生意的商业欠款纠纷案件，最终通过vcat法庭裁定，magistrate court order 及sheriff office 追缴欠款，欠款最终是讨回来了，请问欠款的这一方是否会留下credit report 污点，这些会影响以后的房贷或其它类似的货款申请吗？