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发表于 27-6-2008 10:03:00|来自：新加坡
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<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>aihusin</i>在2008-6-26 22:21:00的发言：</b><br/>感谢 雨茜的回答.但是有点不明白,就是5th charge term loan不能用已贷款买的房子作为抵押来重新贷款吧?我的理解没错么?<br/>其实我也不是想第二次贷款需要贷多少,我只是想从第二家银行贷到够80%首付的钱而已.3万左右.这样就可以空手套白狼了,我的想法可行么?唉,对金融投资知识一概不知阿.<br/>雨茜说的等等多存点钱,我也想啊,可是家庭环境不同,我得立马买到房子才行.<br/></div>
<p> </p>
<p>5th Charge Term Loan 可以用以贷款买的房子作为抵押来重新贷款。This type of loan has to be secured against a mortgaged property. The property being mortgaged may or may not have existing loans secured against it. </p>
<p> </p>
<p>不过，如果你是想要贷到首期的话，那就只有用Personal Loan了。通常Personal Loan 是6个月的月收入，最多不超过5万块。这种loan 分Secured 和Unsecured,截取MayBank的一个表格，这样你可以大概理解他们利率的区别。</p>
<p> </p>
<p>
<table class="passage" bordercolor="#666666" cellspacing="0" cellpadding="2" width="404" border="1">
<tbody>
<tr>
<td class="passage" width="119" bgcolor="#999999"></td>
<td class="passage" width="84" bgcolor="#999999">
<div align="center"><strong>Credit cards</strong></div></td>
<td class="passage" width="111" bgcolor="#999999">
<div align="center"><strong>Unsecured credit</strong></div></td>
<td class="passage" width="64" bgcolor="#999999">
<div align="center">Secured Credit</div></td></tr>
<tr>
<td class="passage" bgcolor="#adadad"><strong>Interest Rates</strong></td>
<td class="passage" bgcolor="#adadad">
<div align="center">24% p.a.</div></td>
<td class="passage" bgcolor="#adadad">
<div align="center">16% p.a.</div></td>
<td class="passage" bgcolor="#adadad">
<div align="center">5.25% p.a.</div></td></tr>
<tr>
<td class="passage" bgcolor="#bfbfbf"><strong>Outstanding Loan</strong></td>
<td class="passage" bgcolor="#bfbfbf">
<div align="center">S$10,000</div></td>
<td class="passage" bgcolor="#bfbfbf">
<div align="center">S$10,000</div></td>
<td class="passage" bgcolor="#bfbfbf">
<div align="center">S$10,000</div></td></tr>
<tr>
<td class="passage" bgcolor="#d8d8d8"><strong>Interest</strong></td>
<td class="passage" bgcolor="#d8d8d8">
<p align="center">S$2,400 p.a.</p></td>
<td class="passage" bgcolor="#d8d8d8">
<div align="center">S$1,600 p.a.</div></td>
<td class="passage" bgcolor="#d8d8d8">
<div align="center">S$525 p.a.</div></td></tr>
<tr>
<td class="passage" bgcolor="#e2e2e2"><strong>Interest Savings (S$)</strong></td>
<td class="passage" bgcolor="#e2e2e2">
<div align="center">S$1,875</div></td>
<td class="passage" bgcolor="#e2e2e2">
<div align="center">S$1,075 </div></td>
<td class="passage" bgcolor="#e2e2e2">
<div align="center"> </div></td></tr>
<tr>
<td class="passage"><strong>Interest Savings (%)</strong></td>
<td class="passage">
<div align="center">78%</div></td>
<td class="passage">
<div align="center">67%</div></td>
<td class="passage">
<div align="center"> </div></td></tr></tbody></table></p>
<p> </p>
<p>空手套白狼的代价很高啊... ...不过，迫不得已这样也真的是没有办法了。</p> |
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