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 谁知道如何贷美元，买中国的房产？ |
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It is a great idea to transfer the loan to no/low pc credit cards. -- bocai - (203 Byte) 2005-8-30 周二, 04:47 (378 reads) |
广州海归
头衔: 海归少尉
加入时间: 2005/08/18
文章: 18
海归分: 3427
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作者：广州海归 在 海归商务 发贴, 来自【海归网】 http://www.haiguinet.com
Given you have a good credit history, you can always negotiate with the credit card company for a life time permenant APR for one loan, for an example, if you buy a car, you can get the loan from the dealer, or you can shop around first, call your credit card company or bank and ask the APR rate if you get the car loan from them, the difference is the dealer rate is 单利, but the credit card/banks is 复利, which means the interests they charge you for the last month will also be caculate as base amount for next month.
My point is, such negotiation will always exist as long as your credit card company can earn money from you safely, and the interest rate depends on your creidt and current Fed APR rate.
In my case, the amount $40,000 is not a big amount, I did check with the bank in China for the loan, amazing me, they can also lend me the loan as long as I depoit 20% downpay and provide enough income evidence. However, I also found out that the China bank is charging a little bit higher interest rate than USA bank (I am using the bank rate in Chicago to compare with). So after review those information, I decide to pay it full and using the credit card for the rest of loan.
作者：广州海归 在 海归商务 发贴, 来自【海归网】 http://www.haiguinet.com
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