Jun 17th, 2020, 14:22 | 只看该作者 #22 |
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注册日期: Jul 2004
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mortgage 是对借款者最有利的借贷方式,出借者肯给低利息是因为你有房产抵押,银行赚少不赔,信用卡高利息,因为没有抵押,所以风险高,出借者赚多有陪的风险。 joejoe 的算法没有考虑信用卡不一次按时全部还清的开销,那也是利滚利的。如果你一次性借了6000,信用卡借款之日起,也是每个月要还的。这个月不还,利息部分加本金也是要top up 上原本金的。你今天借了1000 信用卡还了房贷,到下个月你不能还信用卡帐,你的信用卡帐就不是1000了,是1000加利息(这1000产生的高于mortgage的利息)。 |
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Jun 18th, 2020, 15:22 | 只看该作者 #30 |
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注册日期: Jun 2006
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不直接影响信用积分,但是还是会被记上一笔的: “ In Canada, the two main credit bureaus are Equifax and TransUnion. Equifax suggests adding a consumer statement to your credit report. This statement should indicate that missed payments are because you’ve lost your job due to the Coronavirus pandemic and that you are committed to making full payment as soon as you are able. You can verify that your credit report has been updated correctly by requesting your credit report from both Equifax and TransUnion.” 所以老卡说可能会影响以后贷款难度。 |
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