銀行信貸怎麼申請才容易通過? - 銀行
By Tristan Cohan
at 2009-11-13T16:50
at 2009-11-13T16:50
Table of Contents
目前要貸50萬,準備購車
而就學貸款還有51萬左右,目前還款正常中。
朋友介紹下我就去合庫申請辦公務人員信貸,利率是1.8%
後來接到銀行電話「先生,您的電腦評分不是很高,可能不會過」
結果真的沒過了…我前往銀行去詢問未過的理由。
理由是:可能是您的就學貸款筆數過多。
之後跟我說,你要不要去別家試試,台企公務人員信貸是1.38%是目前最低。
我開始有疑問了!
1、為什麼沒辦法很肯定的跟我說原因是什麼,不說怎麼知道問題在那
怎麼改善。難道換別家申請就會過?
2、目前收入約5萬,月存4萬左右,信用卡也是正常繳款,還是當月繳清。
就學貸款也是正常繳款中,名下有1筆土地約20坪。沒有信用不良的紀錄。
3、實在不懂,為何申請不過,依目前的存錢能力…1年也有40~50萬,只是想
先貸先買車先享受…怎麼會不過呢?
4、煩請板上各位專業的先進幫忙解惑…我該怎麼做才會增加「申請信貸成功的機率」?
需要寫一份「詳盡的還款計劃書嗎?」以表誠意之類的?~噗
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