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Can I get a home loan and car loan if I have bad credit?

martin2425martin2425 Posts: 2Member

Can I get a home loan and car loan if I have bad credit?

Comments

  • agentKamsagentKams Toowoomba
    Posts: 861Member
    Joined: Apr 25, 2014

    most likely mahihirapan ka dahil first nila chinicheck iyong credit score mo.

    Timeline: Student Visa Subclass 573 (Masters)
    06 July 2015: Visa Grant
    April 2018: Uni Graduation

    Timeline: Permanent Visa (189) Accountant 221111
    18 April 2018: ITA received - Visa 189
    04 May 2018 : Lodged Visa Application - Visa 189
    29 Aug 2018 - First CO Contact - PCC Qatar (partner)
    9 Jan 2019 - 2nd CO Contact - penal waiver
    18 Jan 2019 - Updated immiaccount with penal waiver
    29 Jan 2019 - Forwarded PCC to gsm.allocated email
    8 Feb 2019 - Visa Grant - Finally!!

    Timeline: Citizenship
    July 2020: Application lodgment
    May 2021: Citizenship Exam
    Feb 2022: Oi! Oi! Oi! Aussie na din sa wakas!

  • Desert_CowboyDesert_Cowboy Port Macquarie
    Posts: 186Member
    Joined: Mar 15, 2019

    @agentKams said:
    most likely mahihirapan ka dahil first nila chinicheck iyong credit score mo.

    I'm on a 491 visa. Possible ba na magkacarloan ako within the first 3 months upon arriving in Australia? I have a job contract already and will arrive in May 2022.

    234611 MEDICAL LABORATORY SCIENTIST

    491 FS : 90 pts
    Age: 30
    Experience: 10
    Degree: 15
    English : 20
    Sponsor: 15
    Assessing Authority: AIMS

    TIMELINE
    25 June 2016 ----------- IELTS exam (L: 7.5 R: 8.5 W: 6.5 S: 6.5) 7.5 overall
    25 February 2019 -----------Documents for First stage Assessment sent to AIMS through Philpost
    4 March 2019 -----------Documents for First stage Assessment received by AIMS
    3 May 2019 -----------First stage Assessment result received
    5 September 2019 -----------Second Stage Assessment (Examination) in Riyadh
    12 November 2019 -----------AIMS examination result received (Passed)
    11 October 2020 -----------PTE exam (Superior R:90 S:90 L: 90 W:90) I can't believe this
    12 October 2020 -----------EOI submitted (491, 190, 189)
    14 November 2020 -----------EOI updated (+5 points due to additional experience)
    29 October 2021 ------------EOI for visa 491 Family Sponsored invited. I was aiming for 189 but I can't let this pass. Its
    now or never. Passport used for EOI expired.
    6 December 2021 -----------Passport renewed
    8 December 2021 -----------491 Visa lodged
    5 January 2022 -----------Medicals
    15 February 2022 ------------ VISA GRANTED! Family of 6 - Direct grant.
    A long journey, but a longer journey ahead. Keep the faith!

  • agentKamsagentKams Toowoomba
    Posts: 861Member
    Joined: Apr 25, 2014

    @Desert_Cowboy will depend sa credit score mo, if by 3 months masatisfy sila na you will have the ability to pay. Kasi they will look into your bank account, mga expenses mo and iyong mga regular mo na binabayaran like rent, phone plan etc kung wala kang default.

    Timeline: Student Visa Subclass 573 (Masters)
    06 July 2015: Visa Grant
    April 2018: Uni Graduation

    Timeline: Permanent Visa (189) Accountant 221111
    18 April 2018: ITA received - Visa 189
    04 May 2018 : Lodged Visa Application - Visa 189
    29 Aug 2018 - First CO Contact - PCC Qatar (partner)
    9 Jan 2019 - 2nd CO Contact - penal waiver
    18 Jan 2019 - Updated immiaccount with penal waiver
    29 Jan 2019 - Forwarded PCC to gsm.allocated email
    8 Feb 2019 - Visa Grant - Finally!!

    Timeline: Citizenship
    July 2020: Application lodgment
    May 2021: Citizenship Exam
    Feb 2022: Oi! Oi! Oi! Aussie na din sa wakas!

  • Desert_CowboyDesert_Cowboy Port Macquarie
    Posts: 186Member
    Joined: Mar 15, 2019

    @agentKams said:
    @Desert_Cowboy will depend sa credit score mo, if by 3 months masatisfy sila na you will have the ability to pay. Kasi they will look into your bank account, mga expenses mo and iyong mga regular mo na binabayaran like rent, phone plan etc kung wala kang default.

    Thanks.

    234611 MEDICAL LABORATORY SCIENTIST

    491 FS : 90 pts
    Age: 30
    Experience: 10
    Degree: 15
    English : 20
    Sponsor: 15
    Assessing Authority: AIMS

    TIMELINE
    25 June 2016 ----------- IELTS exam (L: 7.5 R: 8.5 W: 6.5 S: 6.5) 7.5 overall
    25 February 2019 -----------Documents for First stage Assessment sent to AIMS through Philpost
    4 March 2019 -----------Documents for First stage Assessment received by AIMS
    3 May 2019 -----------First stage Assessment result received
    5 September 2019 -----------Second Stage Assessment (Examination) in Riyadh
    12 November 2019 -----------AIMS examination result received (Passed)
    11 October 2020 -----------PTE exam (Superior R:90 S:90 L: 90 W:90) I can't believe this
    12 October 2020 -----------EOI submitted (491, 190, 189)
    14 November 2020 -----------EOI updated (+5 points due to additional experience)
    29 October 2021 ------------EOI for visa 491 Family Sponsored invited. I was aiming for 189 but I can't let this pass. Its
    now or never. Passport used for EOI expired.
    6 December 2021 -----------Passport renewed
    8 December 2021 -----------491 Visa lodged
    5 January 2022 -----------Medicals
    15 February 2022 ------------ VISA GRANTED! Family of 6 - Direct grant.
    A long journey, but a longer journey ahead. Keep the faith!

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