avatarEd-iT

Free AI web copilot to create summaries, insights and extended knowledge, download it at here

1469

Abstract

<p id="5d64" type="7">一言蔽之,在考慮所有利息、手續費、服務費、雜費、還款假期、利息回贈、現金回贈、分期供款等花巧東西後,化繁為簡,變為我們最熟悉的那個利率便是「實際年利率」喇!</p><h1 id="6d4d">認識「實際年利率」的好處</h1><p id="3f62">好處只有一個,因為「實際年利率」是一個化繁為簡後的利率,赤條條無遮無掩無得花巧,<b>所以是一個可以用來 apple-to-apple 用來直接比較不同貸款方案利息平貴的 rate!</b> <b>其他所有 rate 什麼手續費什麼月平息基本上都可以掃開喇!</b></p><h1 id="bf34">APR 很好,但要小心別把優惠 double-count!</h1><p id="752a">根據銀行公會的指示,如果銀行為客戶提供現金回贈時,是有責任<b>同時提供</b>「包括」和「不包括」現金回贈的 APR,但在廣告 tagline 時仍然可以選擇只寫其中一個 (當然是抱括現金回贈的那個,因為那個 APR 較低嘛)。</p><p id="99ae">以大新銀行「分期快應錢」做個例子,貸款額 $100 萬的客戶一般可享 $2,000 的現金回贈,以 12 個還款期計算,當考慮這筆 $2,000 回贈時,APR 為 2.08%,不考慮時則升至 2.45%。</p><figure id="a9d1"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*mq63eY3Knbz21nm0RbCoqw.png"><figcaption>source: <a href="http://www.dahsing.com/html/tc/personal_loan/express_money.html">http://www.dahsing.com/html/tc/personal_loan/express_money.html</a></figcaption></figure><figure id="cb60"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*WEIvTX8iHtWCiQ1ZS9cPJg.png"><figcaption>source: <a href="http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf">http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf</a></figcaption></figure><p id="df8b">但當你瀏覽宣傳單張、瀏覽網頁或在分行被銷售的時候,經時會看到 / 聽到類似的話:</p><p id="023a" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 $2,000 現金回贈添!</p><p id="57dc">留意番,魔鬼就在「仲有」兩隻字嗰度,2.08% 已考慮 $2,000 現金回贈!所以唔應該係「仲有」,而應該係「包括咗」... <b>一個不小心就會把優惠 double-count 了!</b></p><p id="cba2">另外一個可以降低 APR 的方法便是提供「首月還款假期」,即第二個月才開始還款,類似的 tagline 包括:</p><

Options

p id="8889" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 首月還款假期添!</p><p id="3599">謹記所有優惠也會影響 APR ,<b>分清楚到底廣告/職員說的到底是「優惠前」還是「優惠後」的 APR 就能作出精明選擇了</b></p><p id="166e">版主推介:</p><div id="7d3e" class="link-block"> <a href="https://medium.com/@Watin/%E9%8A%80%E8%A1%8C%E5%B0%8F%E7%9F%A5%E8%AD%98-1-%E8%B2%B8%E6%AC%BE%E5%89%8D%E5%BF%85%E8%A6%81%E6%90%9E%E6%87%82%E7%9A%84-78-%E6%B3%95%E5%89%87-c4fbdc2cd0c3"> <div> <div> <h2>銀行小知識 (1) — 貸款前必要搞懂的「78 法則」</h2> <div><h3>知道了做貸款便有預算了</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*jNn_gXMBUzrq4tf_96JwXA.png)"></div> </div> </div> </a> </div><div id="6ca5" class="link-block"> <a href="https://medium.com/@Watin/%E4%BF%A1%E7%94%A8%E5%8D%A1%E9%96%91%E8%AB%87-11-%E5%B8%B6-2-%E5%BC%B5%E5%85%AB%E9%81%94%E9%80%9A-50b7ca868310"> <div> <div> <h2>信用卡閑談(11) — 如何賺盡八達通回贈?</h2> <div><h3>帶 2 張八達通出街!</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*acfp_LQv6zcOi9ce0R0-Pg.png)"></div> </div> </div> </a> </div></article></body>

Austin In A Day

Prepare for a shockingly exciting end-of-the-week trip.

Photo by Trudi Nichols on Pixabay

The territory of Texas is generally a sound system composed of cattle rustlers riding on ponies, however, be guaranteed it’s considerably more at that point farms and ranches. If you are contemplating making an excursion toward the south to Texas’ legislative hall, Austin, there are numerous activities, and yes even in one day. So gather your packs and prepare for a shockingly exciting end-of-the-week trip.

For one thing, there are numerous spots to snatch breakfast. On the off chance that you are in a rush, pass by Round Rock Donuts for the greatest donut, the Texas way. Indeed, it’s greater than your head, so plan on sharing.

If you need to plunk down and have some protein in the main feast of the day, no issue. Congress Ave. offers the beautiful Magnolia Café, open nonstop, that won’t baffle. From hotcakes to omelets they have you covered and not to stress, no compromising on amount or quality.

On the off chance that you want to bring down the Colorado River that crosses the center of Austin by everything implies, do as such. Kayaking, paddling, and even stand-up paddleboarding are accessible. You will see individuals of Austin are dynamic, so bicycling, running, running, or simply strolling is extremely regular around the water.

Another option in contrast to your morning will be to visit Lake Travis. Leasing boats or stream skis will keep you extremely engaged for a couple of hours. Evaluating is also entirely sensible.

Photo by kelasavilla on Pixabay

Austin has your standard establishment spots for lunch yet of course you are in Austin so keep it strange. Backing neighborhood cafés and shops whenever the situation allows. For lunch, you have numerous alternatives.

On south Congress, under midtown, you will see a gigantic line of enlivening trailers that fill the air with a fragrance of each classification of food possible. Indian, Korean, Mediterranean, Mexican, American, Thai, Italian, and a lot of sweet choices. No eating routine this end of the week.

If you need an indoor spot to eat, down that equivalent road you will discover numerous options at a greater expense. Anyway, a pizza place numerous local people visit very ordinarily is Home Slice. Gigantic cuts of pizza and even music cause it to appear as though you were back in New York.

What to do after? Downtown offers numerous memorable places such as the legislative hall where numerous presidents once represented the province of Texas. Town halls and verifiable areas give a superior inclination to the historical backdrop of this huge state.

Supper and beverages are things Austin knows well. If you want to have grilled, the drive down to Driftwood for The Salt Lick grill makes certain to fulfill your strive after delish meat and the best shoemaker this side of any place. If you want to remain in the city, there is no issue; numerous eateries fill downtown.

Toward the day’s end, you have done a lot and taken in various foods. Austin offers a great deal and ensures you look at its yearly celebrations. Tired; indeed, however, a lot of fun.

https://www.buymeacoffee.com/EdiT

If you enjoyed reading this, you might like:

Travel
Traveling
Traveling Tips
Photography
Holydays
Recommended from ReadMedium