请高人解答一下什么是LINE OF CREDIT (LOC)

sundayhu

前几些日子去看房，一个老外中介说了个名词叫LINE OF CREDIT（LOC)， 说是什么可以提前把贷款还清。愣是没听明白。坛子内有没有高手给解答一下什么是LINE OF CREDIT啊？谢谢。

nicecat

[ 本帖最后由 nicecat 于 2010-8-12 14:05 编辑 ]

老杏

http://www.oursteps.com.au/bbs/v ... &extra=page%3D1

marylikecats

我想应该是这样的。
You need to have two accounts:
1. home loan account with offset facility
2. business line of credit at home loan interest rate to pay for your business expenses where ATO accepts the interest is deductible.

you need to channel all of your income to your home loan offset account to reduce the undeductible interest expenses while using your business line of credit to pay off the business expenses. AS the interest on business loc is deductible, so after the tax return, the interest expenses will be discounted by 30% or 40% depending on your margining tax rate.

at the end, you will gradually increase your deductible business loan ratio while decrease the undeductible home loan ratio while keeping the total loan amount unchanged.

the concept of business LOC: you won't be charged any interest wuntil you start withdrawing down the loan. it is different from the single draw down loan which the amount needs to be drawn out to another account on the settlement date and the interest rate will kick start on the first day....

楼主有耐心慢慢看， 我打中文爆慢无比所以让楼主费神看啦。

Sunlight09

看看妖兄的精华贴，里面有很好的介绍啊

sundayhu

谢谢大家的回复了。

frostywb

原帖由 marylikecats 于 2010-8-11 19:40 发表
我想应该是这样的。
You need to have two accounts:
1. home loan account with offset facility
2. business line of credit at home loan interest rate to pay for your business expenses where ATO accepts t ...

so complicated, thks

velociraptor

就是利滚利的一种工具。玩之前要研究清楚自己的目的、好处和风险。

denishtrealty

LOC的意思是：你的利息只计算在整个贷款额里挪用的那部分
例子：银行给你贷款100万，但你可以选择提取在100万里的任何金额，比如30万，那么，你的利息只计算在30万，而不是100万。另外的70万是免息的。这种贷款要比一般的贷款更灵活。但是否适应，楼主要看该LOC产品的条件和要求。

pengwang

LOC就是没有卡没有免息期的的信用卡