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！
3506 16 Avenue SE
Calgary
T2A 0N3
$170,000
Residential
beds: 4
baths: 2.0
1,075 sq. ft.
built: 1930
- Status:
- Active
- Prop. Type:
- Residential
- MLS® Num:
- A2281595
- Bedrooms:
- 4
- Bathrooms:
- 2
- Year Built:
- 1930
- Photos (2)
- Schedule / Email
- Send listing
- Mortgage calculator
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this is sold only for land value, ( Lot is 65 foot X50 ') there was a fire , and not access is available. cross out clause 6.1(d)(e)(f)(g) and clause 10.2 all wording after RPR
- 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:
- 1,075 sq. ft.
- Main Level Finished Area:
- 1,075.11 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:
- 3,272 sq. ft.
- Lot Frontage:
- 65'6¼"
- 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:
- South
- Reg. Size:
- Signup
- Reg. Size Includes:
- Signup
- Unit Exposure:
- South
- Floor Location:
- Ground
- Levels:
- One
- Total Rooms Above Grade:
- 6
- Year built:
- 1930 (Age: 96)
- Bedrooms:
- 4 (Above Grd: 4)
- Bedrooms Above Grade:
- 4
- Bedrooms Below Grade:
- 0
- Bathrooms:
- 2.0 (Full:1, Half:1)
- Plan:
- 5498T
- Heating:
- Forced Air, Natural Gas
- Basement:
- Partial, Partially Finished, Other
- Foundation:
- Combination
- New Constr.:
- No
- Construction Material:
- Brick, Stucco
- Structure Type:
- House
- Roof:
- Asphalt/Gravel
- Ensuite:
- No
- Flooring:
- Ceramic Tile, Linoleum
- Cooling:
- None
- Fireplaces:
- 0
- Garage:
- No
- Parking:
- Off Street
- Parking Places:
- 2
- Parking Total/Covered:
- 2 / -
- Laundry Features:
- In Unit
- Albert Park/Radisson Heights
- Electric Stove, Refrigerator
- none
- None Known
- Floor
- Type
- Size
- Other
- Main Floor
- Kitchen
- 10'1" × 9'4"
- Main Floor
- Bedroom - Primary
- 12'5" × 7'1"
- Main Floor
- Living Room
- 11'2" × 9'8"
- Main Floor
- Bedroom
- 9'5" × 6'10"
- Main Floor
- Bedroom
- 8'5" × 6'10"
- Main Floor
- Bedroom
- 7'9" × 7'
- Floor
- Ensuite
- Pieces
- Other
- Main Floor
- No
- 4
- 7'5" x 6'11"
- Main Floor
- No
- 2
- 5'6" x 6'2"
- Title to Land:
- Fee Simple
- Community Features:
- Schools Nearby, Shopping Nearby
- Interior Features:
- See Remarks
- Exterior Features:
- Private Yard
- Patio And Porch Features:
- None
- Lot Features:
- Corner Lot
- Num. of Parcels:
- 0
- Fencing:
- Fenced
- Region:
- Calgary
- Zone:
- CAL Zone E
- Zoning:
- R-CG
- Listed Date:
- Jan 23, 2026
- Days on Mkt:
- Signup
-
Photo 1 of 2 -
Photo 2 of 2
Listed by First Place Realty
Data was last updated January 30, 2026 at 12:05 AM (UTC)
Area Statistics
- Listings on market:
- 11
- Avg list price:
- $278,900
- Min list price:
- $170,000
- Max list price:
- $575,000
- Avg days on market:
- 61
- Min days on market:
- 6
- Max days on market:
- 115
- Avg price per sq.ft.:
- $360.34
These statistics are generated based on the current listing's property type
and located in
Albert Park/Radisson Heights. 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
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