信贷指南
信贷辅助与披露指南
HarbourStep 在借款人进入更深的房贷流程前,先把服务边界、资质披露、费用原则和适合性升级路径讲清楚。
服务边界
本平台更适合做前置预审、材料梳理、路径判断和人工升级,不把 AI 输出或前置信号包装成正式授信结论。
适合性优先
如果资料明显不完整、场景不适合,或超出授权服务范围,案件应暂停或转人工,而不是继续推进信贷协助。
披露先于推荐
在给出更具体的信贷协助前,应先说明经营主体、牌照或代表关系、费用原则,以及可能存在的佣金或转介安排。
核心披露
牌照披露
Credit licence / representative details available on request
代表关系
ACL holder or credit representative details disclosed before any recommendation is made
牌照 / 代表编号
Representative / licence number available on request or before credit assistance begins
合作机构范围
The platform may work with a selected lender panel and referral partners rather than the whole market.
费用原则
Borrower fees, if any, should be disclosed before paid assistance or a formal engagement begins.
佣金与转介
The operator may receive lender commissions or referral revenue where permitted, and that should be disclosed before assistance proceeds.
不适合推进时
No credit assistance should move forward if the borrower file is obviously incomplete, unsuitable, or outside the operator's authorised service scope.
借款人应先看到的顺序
版本与运营信息
说明信贷辅助的资质投露、平台边界、费用与佣金原则,以及适合性升级逻辑。
版本
v2026.04
最后更新: 2026-04-14
运营主体
HarbourStep
服务区域: Australia
联系邮箱
服务时间: Monday to Friday, 9:00-17:00