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Anonymous
Anonymous asked in 商業及金融投資 · 6 years ago

債務問題 卡數及私人貸款

信用卡現金分期(中銀,花旗,恒生)同私人貸款(aeon,恒生,花旗)

加埋欠23萬 每月有準時還錢

唔係還min pay 會唔會信貸評級花哂

月入扣埋強積金有8800 想去恒生做超大碼貸款

希望可以group埋一次還 請問批既機會高唔高

同埋有咩銀行可以幫到我

謝謝

2 Answers

Rating
  • Gary
    Lv 7
    6 years ago
    Favorite Answer

    1. Yes and no.

    Your credit rating has hurt as your debt to credit ratio becomes larger and larger.

    Your payment amount does not really affect your credit rating, even you make minimal payment only.

    2. Not much.

    Seriously, even you don't spend and the bank doesn't charge you interest, you still need at least 2 years for full repayment.

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  • 6 years ago

    應該多學習理財知識。否則,不會遠離債務的夢魘。

    另一方面, 收入過低亦是問題的重點, 因此, 積極設法改善才是正道。

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