Bankguru Information
To collect and sample data to learn whether ones loan is fair or not for example two person with the same credit-score may get different rates and terms. There is no definition of fairness but to even get there we need transparency first beginning with securing data. Hopefully by collecting this data which will be anonymised we can encourage further study to reverse understand how banks make decisions to effect their profitability. Fun right ? So I hope you will give 6 mins of your time. If you can't remember the exact details, approximation will be fine as most will average out. I am also running, a system that seeks banks to bid for your deposits (ie lending to banks). The system is designed to provide a competitive and open bidding process for interest rate discovery. I called this "Third Rate" as oppose to Reserve Bank's Policy Rate and the Inter-Bank rate. Thanks for reading and chow.
Country (U.S./AUSTRALIA) *
Your Credit-Score at the time of your loan application *
If unsure put "1" without the ""
Postcode at the time of your loan application *
Must be a number
Name of Bank *
Name in FULL
Principal Loan Amount *
Year you took up the Loan (YYYY) *
How long is the Loan in Years (in number) *
Profession (if working at time of making loan application) *
Highest Education Qualification (at time of loan application) *
Have you REFINANCED ? *
Was your loan obtained through a mortgage broker ? *
Have you ever purchase another financial product from the same bank that offered you the loan ? *
Have you ever been late or defaulted in your loan re-payment ? *
Total Income declared per year at the time of loan application (in local currency USD/AUD). *
Current Position (if any) *
Gender *
Do you have children at time of making this loan application *
Loan Payment per Month (in number) *
Interest offered on Application (%) *
Your Age at the time of Loan Application *
Loan is for *
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