YOUR BORROWING POWER
To be approved for a home loan, it’s important to have a good credit history. Without good credit history, you are likely to have a harder time getting a loan, and be lumped with less favourable interest rates, higher deposit requirements and fewer lenders to choose from.
Credit scores are calculated by credit reporting agencies and is likely to be used by a lender to assess a loan application.
Credit reporting agencies keep a record of past enquiries, repayment history and current credit limits.
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