要不要Personal line of Credit ?

[Facebook1]

收到银行邮件，自动给了personal line of credit, 要不要?

 

[yamiyami]

要呗 有用的时候可以用滴说

 

[家园小千]

一直都放弃了，没用的话就不要

 

[jelimybear]

take it, it won't cost you anything unless you use it, just in case of emergency...like back pockage money...

 

[Tracymapleridge]

If you take it, you are going to pay 2.90% interest , better to think twice if you are really need.

 

[jelimybear]

If you take it, you are going to pay 2.90% interest , better to think twice if you are really need.

no need to pay any interest if you don't use it, just take it...

 

[Tracymapleridge]

no need to pay any interest if you don't use it, just take it...
[/QUOTE
You mean that just accept the offer, but only keep in the bank account ? but which account this money will go?

 

[jelimybear]

it's totally a brand new and separate account, will show your current balance is ZERO, but available credit is (depends on your line of credit limit)...

 

[Tracymapleridge]

Got it, as I got the same email from HSBC, thanks for your explanation .

 

[jelimybear]

Got it, as I got the same email from HSBC, thanks for your explanation .

不客气。

 

[Facebook1]

多谢各位建议

 

[Facebook1]

我暂时还没接受，银行给的利率是prime rate + 2.49% 。这个利率大家觉得怎么样? 能不能和理财经理申请低一点?
另外，2.49%右上角有数字 1，2 是什么意思?

 

[sofia]

Personal LOC这个利率已经很好了

 

[jelimybear]

我暂时还没接受，银行给的利率是prime rate + 2.49% 。这个利率大家觉得怎么样? 能不能和理财经理申请低一点?
另外，2.49%右上角有数字 1，2 是什么意思?

根据你的信用记录，分数越高利率越低

 

[garconcn]

TD给我的，我还没要，不知道能不能跟TD要求再降低些利率。

You're pre-approved for a TD Personal Line of Credit with a credit limit of $21,500 and a variable annual interest rate of TD Prime Rate + 2.99%.1,2 TD Prime Rate is 2.45%, as of April 27, 2020.

 

[jelimybear]

TD给我的，我还没要，不知道能不能跟TD要求再降低些利率。

一般给你的都已经pre-approved的了，估计不好再降了。

 

[garconcn]

一般给你的都已经pre-approved的了，估计不好再降了。

这样的话就接了，反正一般也用不到

 

[Facebook1]

根据你的信用记录，分数越高利率越低

谢谢答复这么及时。1，2的意思是分数越高利率越低的意思吗?
我的分数应该在800多分，我房子的line of credit是基准利率加0.45, 所以这个加2.49我觉得高了，我不懂。
是不是用的时候有利息，按月收，不用的话，不收利息， 随用随还，没有什么限制?

 

[jelimybear]

谢谢答复这么及时。1，2的意思是分数越高利率越低的意思吗?
我的分数应该在800多分，我房子的line of credit是基准利率加0.45, 所以这个加2.49我觉得高了，我不懂。
是不是用的时候有利息，按月收，不用的话，不收利息， 随用随还，没有什么限制?

房子抵押的line of credit利率是最低的，因为是secured的对银行来说，那个personal line of credit完全是以你们的信用来担保的，所以利率相对较高。

 

[Facebook1]

房子抵押的line of credit利率是最低的，因为是secured的对银行来说，那个personal line of credit完全是以你们的信用来担保的，所以利率相对较高。

明白了，一个是抵押，一个是非抵押，谢谢如此专业的回复。