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本帖最后由 zeroe 于 2013-3-16 08:24 编辑
因为突发状况，急需$30000块，不是为了买房买车或是任何其他assets，算是个人消费的。而且个人的收入不是很高，年收入大概是3-4万，这种情况下，借贷的成功率高不高，是直接找银行好呢，还是找broker?
Update ----
Google了一下，发现Citibank 现在有一个personal loan at top of $24,000 with 5.9% for 2 years.
以下是摘自Citibank website的内容。
Get 2013 off to a flying start with a great way to consolidate debt
Take advantage of a limited 5.9% p.a. for 2 years1 and with a line of credit of up to $30,0002 you can transfer your balances and recharge your spending power.
For everyday expenses or those bigger things in life, simply request a cheque
If you don't have a balance to transfer but you would still like to take advantage of our limited interest offer of 5.9% p.a. for 2 years1, simply request a cheque to be sent to you once your account is approved.
You can use it for anything you want from home entertainment and technology to exotic holidays. Click here to see some examples.
It's a line of credit that you can use again and again without ever having to re-apply and you are only charged interest on the amount you use. You can even access your funds via the convenience of a Visa Debit Card for online or in-store purchases and ATM cash withdrawals. With no fixed term3, you repay at your own pace and there are no annual, cash advance4 or account-keeping fees.
申请所需要的条件和我的状况差不多。而且 5.9% p.a 看起来挺低的了。其他银行都没有更低的了。看了一下，只有$69的费用。
请大家给点意见，有什么条款，和费用是我需要注意的，第一次接触这方面，完全没经验。
Update ----- 问题解决了，无需借贷了，谢谢大家的回复。 不过有关citibank 的这个，大家可以讨论一下。之前，我以为这个是最低的，但是双喜临门的这个OFFER更赞，虽然term of loan 有差别，不过觉得真的不错，详情如下。
1.9% 15个月。CITIBANK READY CREDIT BRANCH EXCLUSIVE OFFER
这也证明了，没有最低，只有更低。我这见识还要努力增广 。
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发表于 2013-3-13 09:18
