这里专业(或经验)人士多,请教一个问题:浮动利率是否等同于line of credit?如不同,各有何优劣?
-leiyulai(环保);
2009-8-30(#102982@43)
完全不同的概念
-ceo(主吃人);
2009-8-30(#102984@43)
浮动利率 is interest rate e.g. Prime+3 you can get when apply for a Line Of Credit (the amount of money that credited to you by bank; you can use it when you needed cash for something)浮动利率 (float interest rate) is terminology compare to (fixed interest rate)
Line of Credit is a product provided by banks (Like credit card, mortgage, car loan etc) that allow you to borrow money from banks when needed; you will pay them on an agreed 浮动利率 or fixed interest rate;
-samqyang(Kingkong);
2009-8-31{292}(#103024@43)
Line of Credit 经常采用浮动利率,也可能采用固定利率;采用浮动利率的还有很多其他贷款项目,比如房屋贷款。你虽然可以用 Line of Credit 做房屋贷款,但大多数人不这样用。
-rollor(Rollor);
2009-8-31(#103026@43)