Fw: [問題] 多付幾萬元息來提早幾個月還完卡循?
情況:手上有30萬的循環卡額要繳,卡額不會再增加
選項:
A) 目前信用狀況只貸得到25萬,先貸來還,讓卡額只剩5萬,然後剩下的卡額5期還清。
好處-先把循環降低
壞處-剩下的5萬仍要5期才能還清,信用仍然要壞5個月。
信貸利息較高,約比B方案多1萬
B) 3個月後的信用,可貸得到30萬,一次還清
好處-信貸利息較低,約比A方案少1萬
壞處-3個月內循環仍高
C) 1個月後的信用,可貸得到30萬,一次還清,但利息比B高3萬。
好處-1個月後解決循環問題,信用比B早兩個月停止變差
壞處-利息比方案B高3萬
簡單的說,
A方案,信貸的利息3萬。信用5個月個停止變差,但至少沒那麼差。
B方案,信貸的利息2萬。信用3個月後停止變差。
C方案,信貸的利息5萬。信用1個月後停止變差。
D方案,不信貸,慢慢繳卡費,1年內繳完,循環利小於信貸利。1年內信用很差。
最基本的評量方式就是要不要用多1~3萬塊的利息來讓信用早幾個月停止變差。
「停止變差」等不等於「變好」我不知道,至少不再信用循環。
可否請有經驗的大大指點迷津?謝謝!
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※ 轉錄者: akids88088 (118.160.100.151), 09/24/2017 22:47:28
※ 編輯: akids88088 (118.160.100.151), 09/24/2017 22:48:03
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謝謝各位大大的回覆,補充說明一下好了:
如果在一年還完卡費,每個月付出是26,000元
如果在兩年還完卡費,每個月付出是13,000元
如果在兩年還完信貸,每個月付出是11,xxx~18,xxx元
主要考量的點是要不要把攤還期間拉長來降低每月的還款支出,
但總金額會多個2~5萬塊。
次要考量的點就是如前文所說的,有循環利背著,是不是比信貸的信用差?
比如背了30萬的循環利,跟有30萬的信貸在繳,難道信用的影響是一樣的嗎?
※ 編輯: akids88088 (1.160.82.122), 09/25/2017 09:36:29
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