1 / 8

Personal Infortmation

*(GMI = regular and recurring personal income)

*(GMI = regular and recurring personal income)

2 / 8

Self Evaluation

PLEASE RATE YOURSELF WHICH BRACKET DO YOU BELONG AMONG ALL THE POSSIBLE LOAN APLICANTS (APPROVED AND REJECTED).

The willingness to repay the loan, this is reflected by the borrower’s credit history.

1 BEING THE LOWEST AND 5 BEING THE HIGHEST

The financial ability to repay loan, can be computed by the borrower’s debt to income ratio.

1 BEING THE LOWEST AND 5 BEING THE HIGHEST

The amount of equity (down payment) that the borrower puts up for the loan.

1 BEING THE LOWEST AND 5 BEING THE HIGHEST

Possessions or assets from which payment might be made.

1 BEING THE LOWEST AND 5 BEING THE HIGHEST

The amount involved, prevailing interest rates, purpose of the loan.

1 BEING THE LOWEST AND 5 BEING THE HIGHEST

Measures how credit worthy you are compared to all loan applicants (both approved and rejected applicants).

1 BEING THE LOWEST AND 5 BEING THE HIGHEST

3 / 8

Financial Personality III-A

NOTE: NO RIGHT OR WRONG ANSWER

NOTE: NO RIGHT OR WRONG ANSWER

NOTE: NO RIGHT OR WRONG ANSWER

NOTE: NO RIGHT OR WRONG ANSWER

4 / 8

Financial Personality III-B

NOTE: NO RIGHT OR WRONG ANSWER

NOTE: NO RIGHT OR WRONG ANSWER

NOTE: NO RIGHT OR WRONG ANSWER

NOTE: NO RIGHT OR WRONG ANSWER

5 / 8

Scenario Analysis B

After canvassing, you found out that the lender offer is FAIR and in line with other suppliers.

After canvassing, you found out that the lender offer is GOOD and better compared with other suppliers.

After canvassing, you found out that the lender offer is BAD and there are better offers from other suppliers.

6 / 8

SCENARIO ANALYSIS - PART C (LOAN REPAYMENT)

During the term of the loan, you found out that the lender offer is FAIR and in line with your low credit score.

During the term of the loan, you found out that there are BETTER offers in the market but your lender offer is GOOD despite your LOW credit.

During the term of the loan, you found out that there are BETTER offers in the market and your lender offer is BAD even for low credit.

7 / 8

SCENARIO ANALYSIS - PART E1 (ADVERTISING CLAIMS)

During the term of the loan while watching a TV commercial, there was no mention of the lender offering better deals than competitors.

During the term of the loan while watching a TV commercial, you learned that the lender is claiming to offer deals which are FAIR and in line with other suppliers.

During the term of the loan while watching a TV commercial, you learned that the lender offers PRICE MATCHING with lowest rate you can find in the market.

8 / 8

SCENARIO ANALYSIS - PART E2 (TECHNICAL WARRANTY ISSUES)

During the warranty period, the goods you purchased encountered serious technical issues.

During the term of the loan, the goods you purchased encountered serious technical issues.

During the term of the loan, the goods you purchased encountered serious technical issues.

For any inquiry or concern please email us: fabian.go@hdr.qut.edu.au or contact us via mobile: +61 7 3138 9103