Topic: 有谁清楚Line of credit? 近期不买房有用吗? TD 的人坚持要给我做一个. @枫下论坛 The Rolia Forum

枫下家园 / 理财投资税务 / 有谁清楚Line of credit? 近期不买房有用吗? TD 的人坚持要给我做一个. -playboy(playboy); 2001-11-19 (#266828@0)

但是不是每个人都有条件申请line of cridit的呀，你现在的条件合格，谁能保证等你需要钱的时候，银行会批吗？ -mike2000(风筝); 2001-11-19 (#266871@0)

各个银行的条件是不一样的，主要是看你的收入。有line of cradit 的好处还有一个是你的利率是优惠的 -mike2000(风筝); 2001-11-19 (#266936@0)

If I were you, I would accept the offer. It doesn't hurt. When you really need it, your financial situation may prevent you from getting one. -dropoutinmiami(东北的饺子); 2001-11-19 (#266866@0)

I don't think so. Even you owe money to the banks, they still need go through the legal process to be able to grasp your money. -dropoutinmiami(东北的饺子); 2001-11-19 (#266886@0)
当然可以用了。只是LOC与其他形式的loan有两个基本差别： -yangn(Raymond); 2001-11-19 {381} (#266895@0)
1。它的利率是浮动的。它随时跟着prime interest变，而不象别的loan一样在一定的term里是fixed 的。因此在interest低时用它很好，但interest高时就划不来了。
2。还款方式也很灵活。取经于你是secure还是nonsecure,如果是后者，则每月只需还principal的3%和interest.如果是前者，则只需还interest.当然你拖的时间越长，银行越高兴。一般LOC的多少银行根据你的家庭财产和收入来定。我目前的LOC额度是$60，000。

我的LOC是Non-Secured的。之所以能拿到那么多， 1。TD对其staff的优惠。 2。家庭财产和年收入不算少。 -yangn(Raymond); 2001-11-30 (#281418@0)

LOC has higher interest rate than mortgage. -jeffrey815(Smartiecat); 2001-11-30 (#281298@0)
Total credit limit of all your credit cards * 5% + all your loans (monthly payment) < 40% of your monthly income. That's the formula to calculate available crdit. -poohbear(nothing); 2001-11-30 (#281697@0)