1. 付款（还款）占了35%
如果你准时付款，从不拖欠，信用分数就会高，如果常常付款不准时，信用分数扣分就很严重，因为这个项目占了35%。不要以为只欠了少少的几块钱，今天忘了，“大不了”下次付款时一并还上就好了。千万不要有“大不了”的心态。
2. 信用卡的额度不要用太多，这占30%
信用卡的额度最好不要用超过75%。有人说我的信用卡有1万的额度，我每个月都用9千5，付款到期日，我每次准时还，因为我用这么多，我又还得上，所以我的信用分数不会被影响。这是错的。
3. 信用卡的使用频率占15%
我有3张信用卡，可是我从来都不用，因为我有钱，根本不需要用到信用卡。所以我的信用分数不会被影响。这是错的，你有卡你不用，摆在那。因为你不用，信用局只有你拥有3张卡的记录但是没有你的使用记录，所以银行无法判断你有没有还款的能力，也不知道你能不能准时还款。
4. 申请新卡占10%
如果你正在申请房贷，别同时申请信用卡或其他借款，因为这会影响你的信用分数。你每做一次申请，信用分数就会掉一次。唯一例外的是，在一个月内，如果查你信用的是银行或是贷款机构都是为了房贷的原因，你的信用分数只会被扣一次。
5. 多种借款占10%
你有用信用卡，又有车贷，房贷等等，多种贷款或借款都有，而又能准时还款，这证明你这个人对各种债务都上心，你的信用分数就会高。但是别忘了，你能贷款的额度是和你的债务和收入有关，即使你的信用分数高，债务太多，贷款的额度也会变低。
从以上各个占分比例，我们就知道，要想信用分数高，就要准时还款。使用信用卡不要用超过那张卡的75%的信用额度，在申请房屋贷款时千万别申请其他的信用卡或其他借款等等。最最最重要的是还款一定要准时，不可以逾期不还！
4106 10 Avenue SE
Calgary
T2A 0E1
$399,000
Residential
beds: 1
baths: 1.0
952 sq. ft.
built: 1949
- Status:
- Active
- Prop. Type:
- Residential
- MLS® Num:
- A2258080
- Bedrooms:
- 1
- Bathrooms:
- 1
- Year Built:
- 1949
- Photos (3)
- Schedule / Email
- Send listing
- Mortgage calculator
- Print listing
Schedule a viewing:
Cancel any time.
INVESTER/DEVELOPER ALERT!!! Outstanding redevelopment opportunity at a compelling price. Prime corner lot on a solid street with strong upside. Existing structure is boarded up and sold "as-is". Ideal for investors or developers looking for their next project.
- Property Type:
- Residential
- Property Sub Type:
- Detached
- Condo Type:
- Not a Condo
- Transaction Type:
- For Sale
- Possession:
- Signup
- Possession Date:
- Signup
- Suite:
- No
- Num Legal Suites:
- 0
- Num Illegal Suites:
- 0
- Home Style:
- Bungalow
- Total Living Area:
- 952 sq. ft.
- Main Level Finished Area:
- 952 sq. ft.
- Lower Level Finished Area:
- Signup
- Above Grade Finished Area:
- Signup
- Taxes:
- Signup
- Tax Assessed Value:
- Signup
- HOA Fee Includes:
- Signup
- Acreage:
- No
- Lot Area:
- 5,005 sq. ft.
- Lot Frontage:
- 107'2"
- Acres Cleared:
- Signup
- Acres Cultivated:
- Signup
- Acres Irrigated:
- Signup
- Acres Leasehold:
- Signup
- Acres Not Cultivated:
- Signup
- Acres Freehold:
- Signup
- Acres Seeded:
- Signup
- Acres Tame Hay:
- Signup
- Acres Treed:
- Signup
- Acres Waste:
- Signup
- Acres Water Rights:
- Signup
- Front Exposure:
- West
- Reg. Size:
- Signup
- Reg. Size Includes:
- Signup
- Levels:
- One
- Total Rooms Above Grade:
- 2
- Year built:
- 1949 (Age: 77)
- Bedrooms:
- 1 (Above Grd: 1)
- Bedrooms Above Grade:
- 1
- Bedrooms Below Grade:
- 0
- Bathrooms:
- 1.0 (Full:1, Half:0)
- Plan:
- 3750AM
- Heating:
- Forced Air, Natural Gas
- Basement:
- Full, Partially Finished, None
- Foundation:
- Poured Concrete
- New Constr.:
- No
- Construction Material:
- Stucco, Wood Frame
- Structure Type:
- House
- Roof:
- Asphalt Shingle
- Ensuite:
- Yes
- Flooring:
- Ceramic Tile
- Cooling:
- None
- Fireplaces:
- 0
- Garage:
- No
- Parking:
- Off Street
- Parking Places:
- 0
- Parking Total/Covered:
- 0 / -
- Laundry Features:
- See Remarks
- Forest Lawn
- See Remarks
- All contents are "as is - where is"
- Airspace Restriction, Restrictive Covenant
- Floor
- Type
- Size
- Other
- Main Floor
- Living Room
- 15'11" × 11'
- Main Floor
- Bedroom
- 20'10" × 9'5"
- Floor
- Ensuite
- Pieces
- Other
- Main Floor
- Yes
- 4
- Title to Land:
- Fee Simple
- Community Features:
- Shopping Nearby
- Interior Features:
- See Remarks
- Exterior Features:
- None
- Patio And Porch Features:
- See Remarks
- Lot Features:
- Back Yard, Corner Lot
- Num. of Parcels:
- 0
- Fencing:
- Fenced
- Region:
- Calgary
- Zone:
- CAL Zone E
- Zoning:
- R-CG
- Listed Date:
- Jan 29, 2026
- Days on Mkt:
- Signup
-
Front View -
Photo 2 of 3
-
Photo 3 of 3
Listed by RE/MAX House of Real Estate
Data was last updated January 30, 2026 at 12:05 AM (UTC)
Area Statistics
- Listings on market:
- 19
- Avg list price:
- $525,000
- Min list price:
- $149,900
- Max list price:
- $699,900
- Avg days on market:
- 71
- Min days on market:
- 3
- Max days on market:
- 852
- Avg price per sq.ft.:
- $495.08
These statistics are generated based on the current listing's property type
and located in
Forest Lawn. Average values are
derived using median calculations. This data is not produced by the MLS® system.
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
powered by myRealPage.com
