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是對是錯?信貸評級對新移民非常重要

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日期:08-07点击数:727

我們常常聽到有人說,建立信貸記錄對融入加拿大來說是非常必要的。這是決定你是否合資格申請貸款的重要一環,包括借款的額度。而除了借款之外,日常生活需要中也常常要求信貸記錄,如設立水電和手機賬戶、購置汽車、購買或租賃住房等等。將近一半(45%)的南亞裔和華裔移民(居住加國不多於5年)發現他們的財務需要比原居地要復雜得多。而這個觀點更加符合南亞裔新移民(56%)和過去一年抵達加拿大的新移民(66%)。

為何信貸評級如此重要:

加拿大的中央信貸資料庫,將從所有與你有業務來往的借貸機構處收集資料,以得出你的信貸評級。若你有較佳的信貸評級,你將更有可能合資格申請貸款。

信貸等級,是建基於你負責任地管理財務事宜的記錄。借貸機構會查看你如何處理你的財務責任,例如你有否及時支付每月的賬單,或是有餘款未繳,又或者常常欠交還款。

許多加國新移民都驚訝於信貸評級的重要性,對其運作亦不熟悉。加拿大的信貸系統不一定採納其他國家的財務記錄,而且,建立信貸記錄的模式可能也不相同,特別是相對一些以現金或賬戶結餘為最重要財務考慮的地區而言,更是不同。

應怎樣做:

如果你初到加拿大,首先要做的事宜之一便是了解加拿大的財務系統。請與RBC顧問洽談,花時間弄懂重要的問題,並用盡一切方法將自己融入加國的系統中。其實,根據調查,新移民會在他人遇到與自己相同的情況時,建議他人前往銀行(39%)或向財務策劃師(34%)獲取免費財務建議。另外三分之一的人(29%)則會鼓勵別人報名參加免費財務知識講座,了解加拿大的理財方式。

你了解信貸評級嗎?

利用以下對錯判斷題,測試你的相關知識:

每個人都需要有自己的信貸評級。

對:你的信貸評級僅屬於自己。如果你已婚,你和配偶需各自擁有自己名下的信貸,方可建立信貸評級。如果你們的信用卡、汽車貸款或房屋貸款僅登記在你配偶名下,你將錯過建立自己信貸評級的寶貴機會。你不能依賴配偶的信貸記錄來滿足個人信貸需要。

信貸記錄資料永久保留在你的評級上。

錯:在加拿大,這些資料會保留在你的信貸等級上七年。

欠交還款記錄會出現在信貸評級上。

對:信貸報告機構負責管理信貸評級,包括你是否及時支付水電費、手機及信用卡賬單,是否欠交還款,及是否有未清還的債務。常年累月下,這些資料將組成你償還(或未償還)債務的記錄。這就是為什麼至少要及時支付所有賬單的最低還款額,儘管看起來金額很小或無關緊要,都必須支付,這點非常重要。

原居地的信貸記錄會反映在加國信貸評級上。

錯:你的加國信貸評級,會由你在加國的財務活動開始記錄;如你首次借款、設立水電費賬戶,或購置手機等。

了解你的信貸評級:

最后一個貼士:每年向加國信貸資料庫TransUnion 或 Equifax申請一份報告,以查核自己的信貸記錄。此舉不但會助你監察個人信貸情況,同時還可確保資料准確,助你及早發現任何錯誤,保護自己免受身份欺詐。

了解清楚加國的信貸系統,是在新家園建立堅實財務基礎的首要一步。

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来自:201707-19 02:19:12

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