兩筆信貸如何償還 - 理財
By Agnes
at 2022-09-13T17:20
at 2022-09-13T17:20
Table of Contents
目前手上有兩筆信貸,一筆是渣打總金額:517467 利率11.37%,
一筆是富邦總金額:321888,利率13.14%,因當初借這兩筆是有急用但這費率
後來算了一下我借100萬,利息竟然高達60萬,09/12已跟富邦業務討論過了
,第一個方向是朝看我公司有沒有在他List裡面,給予比較優惠的貸款利率,
還這筆債務,第二方向朝目前家裡有房子拿房子做貸款的動作,還這筆債務
但這目標方向不太可行,我也不希望動到他們的老本,
因家母目前居家照護只剩一到兩位案子並也快到退休年紀,
家裡剛好外婆骨頭裂掉,年事已高需要人照顧,所以此方案並不會使用,
渣打也已經洽談過,方向是朝整合債務這方向,但利率目前不曉得,
因本人也沒在使用信用卡,身分別是身心障礙中度,月收入36K至45k,
信用評分為583分,目前我的想法是要轉貸但利率要銀行通知,
或是直接申請法扶債務前置協商再請各位大神給個方向,
個人感覺找銀行談是希望你多貸一筆,或是繼續還這2萬塊,
謝謝。
--
一筆是富邦總金額:321888,利率13.14%,因當初借這兩筆是有急用但這費率
後來算了一下我借100萬,利息竟然高達60萬,09/12已跟富邦業務討論過了
,第一個方向是朝看我公司有沒有在他List裡面,給予比較優惠的貸款利率,
還這筆債務,第二方向朝目前家裡有房子拿房子做貸款的動作,還這筆債務
但這目標方向不太可行,我也不希望動到他們的老本,
因家母目前居家照護只剩一到兩位案子並也快到退休年紀,
家裡剛好外婆骨頭裂掉,年事已高需要人照顧,所以此方案並不會使用,
渣打也已經洽談過,方向是朝整合債務這方向,但利率目前不曉得,
因本人也沒在使用信用卡,身分別是身心障礙中度,月收入36K至45k,
信用評分為583分,目前我的想法是要轉貸但利率要銀行通知,
或是直接申請法扶債務前置協商再請各位大神給個方向,
個人感覺找銀行談是希望你多貸一筆,或是繼續還這2萬塊,
謝謝。
--
Tags:
理財
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