在新西兰
最近在板块里面经常看到这个词汇 但是不明白是什么意思 请问 revolving credit 字面意思我知道 我想知道的是这个代表着什么呢. 和普通的贷款有哪些区别咧
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https://www.sorted.org.nz/a-z-guides/mortgage-types
Revolving credit loan
Revolving credit loans work like a large overdraft. Your pay goes straight into the account and bills are paid out of the account when they’re due. By keeping the loan as low as you can at any time, you pay less interest because lenders calculate interest daily.
You can make lump sum repayments and re-draw money up to your limit. Some revolving credit mortgages gradually reduce the credit limit to help you pay off the mortgage.
Application fees on revolving credit home loans can be up to $500. There can be a fee for the day-to-day banking transactions you do through the account.
Advantages:
- If you're well organised, you can pay off your mortgage faster. This also suits people with uneven income as there are no fixed repayments.
- Putting surplus funds into this account rather than a separate savings account will give bigger interest savings and also avoids the tax on the savings account interest.
Disadvantages:
- You need discipline. It can be tempting to always spend up to your credit limit and stay in debt longer.
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另外一个值得研究的是offset mortgage:
http://www.consumer.org.nz/reports/offset-mortgages
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就是一个高上限额度的信用卡，唯一不同就是信用卡有40-50多天的免息期， 这个是用了就开始算利息。
利率基本上和市场上的浮动保持一致。利息计算是按天计算-利滚利。
管理好的话相当好用， 管理不善是相当杯具。。
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learning ......thanks for sharing
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你的签名有趣！笑了。。。
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如何管理好呢有什么办法吗?? 请指教
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每個月定時往裡面存錢，錢慢慢由負數變成正數後可以把這個limit減少