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Project loans refer to loans that we grant to borrowers for their investment projects in building up, expanding, renovating, developing, and purchasing of fixed assets. The project loans have flexible loan terms. We generally grant middle and long term project loans, and also short term ones for temporary turnaround requirements. According to the different nature…

Credit scoringDifferent lenders utilize various systems to calculate your credit score. While they won’t disclose your exact score, they are required to inform you which credit reference agency provided the information they used. You can then verify the accuracy of that data. Since each creditor has its own scoring system, being declined by one lender…

Timely Repayment HistoryYour repayment history carries the most significant weight in calculating your credit score. Consistently making on-time payments establishes a solid foundation for a strong credit score, while missed or late payments can severely damage it. When lenders observe that you consistently repay past loans and credit card bills on time, they gain confidence…

Key Credit Behaviors That Affect Your Borrowing PowerEssentially, your credit score serves as a snapshot of your ability to manage borrowed funds. It reflects both your past and present credit behaviors, often serving as an indicator of your future financial responsibility. Understanding these behaviors can help you improve your credit and enhance your borrowing potential.