由于大多数人都有过迟付账单被信用卡公司收取高额罚款的切肤之痛,因此,大多数人都将信撕碎,一扔了之。未曾注意到有些OFFER大有利用的价值。比如0利率的借款,期限最长的有一年半。如果你有其他的高息贷款如8.75%的汽车贷款,或6.375%的房屋贷款,你就可以利用信用卡公司的无息或低息贷款来节省利息支出了。比方说你按0利率向信用卡借款1万美元,还掉30年期的房屋贷款,看下面是从YAHOO算的1万美元30年期6.375%利率贷款在贷款还清时(360个月)支付的利息金额:$12,459.00.
Loan Information | Input |
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Loan amount | $ |
Annual interest rate | (0-30)% |
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Number of months: (30yrs=360) | (1-360) |
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Desired amortization schedule |
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Property Information | Input |
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Sale price of property | $ |
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Let system estimate property taxes, insurance, and private mortgage insurance? If No then detail |
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Annual property taxes | $ |
Annual hazard insurance | $ |
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Monthly private mortgage insurance | $ |
Your estimated monthly payments are $62.39 (including taxes, insurance, and PMI if applicable), and you will pay $12,459 in interest over the life of the loan.
Loan information | |
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Loan amount | 10000 |
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Annual interest rate | 6.375% |
Number of months: (30yrs=360) | 360 |
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Monthly principal and interest payment | $62.39 |
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Monthly property taxes | $0.00 |
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Monthly hazard insurance | $0.00 |
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Monthly PMI (if applicable) | $0.00 |
Total monthly payment (including taxes, insurance, and PMI) | $62.39 |
当然,如果你的贷款只剩300个月时,你省下的利息是$10,023.00,。链接在这里: http://finance.yahoo.com/calculator/family-home/hom-03 你们可以自己算。
这可不是一笔小数喔!!!
下期我再介绍怎样从信用卡公司借到更多的钱。