{"id":117,"date":"2025-06-01T15:29:26","date_gmt":"2025-06-01T15:29:26","guid":{"rendered":"https:\/\/likapk.com\/?p=117"},"modified":"2025-06-01T15:29:28","modified_gmt":"2025-06-01T15:29:28","slug":"thinking-about-a-loan-with-bank-of-america-heres-what-you-should-know","status":"publish","type":"post","link":"https:\/\/likapk.com\/zh\/thinking-about-a-loan-with-bank-of-america-heres-what-you-should-know\/117\/","title":{"rendered":"\u8003\u616e\u5411\u7f8e\u570b\u9280\u884c\u8cb8\u6b3e\uff1f\u4ee5\u4e0b\u662f\u4f60\u9700\u8981\u4e86\u89e3\u7684\u8a0a\u606f"},"content":{"rendered":"<p>\u5982\u679c\u4f60\u6b63\u5728\u8003\u616e\u8cb8\u6b3e\uff0c\u4e0d\u77e5\u9053\u5f9e\u4f55\u5165\u624b\u662f\u5f88\u6b63\u5e38\u7684\u3002\u7f8e\u570b\u9280\u884c\u662f\u9280\u884c\u696d\u5de8\u982d\u4e4b\u4e00\uff0c\u5b83\u53ef\u80fd\u5728\u4f60\u7684\u8003\u616e\u7bc4\u570d\u4e4b\u5167\u3002\u4f46\u5b83\u771f\u7684\u9069\u5408\u4f60\u7684\u60c5\u6cc1\u55ce\uff1f<\/p>\n\n\n\n<p>\u8b93\u6211\u5011\u4f86\u8a73\u7d30\u5206\u6790\u4e00\u4e0b\uff0c\u4ee5\u4fbf\u60a8\u505a\u51fa\u6700\u660e\u667a\u7684\u9078\u64c7\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f60\u53ef\u4ee5\u5f9e\u7f8e\u570b\u9280\u884c\u7372\u5f97\u500b\u4eba\u8cb8\u6b3e\u55ce\uff1f<\/h2>\n\n\n\n<p>\u7b54\u6848\u5f88\u76f4\u63a5\uff1a\u7f8e\u570b\u9280\u884c\u4e0d\u63d0\u4f9b\u50b3\u7d71\u7684\u7121\u62b5\u62bc\u500b\u4eba\u8cb8\u6b3e\u3002\u9019\u5c0d\u67d0\u4e9b\u4eba\u4f86\u8aaa\u53ef\u80fd\u662f\u500b\u81f4\u547d\u7684\u7f3a\u9ede\uff0c\u4f46\u5148\u5225\u6025\u8457\u96e2\u958b\u3002.<\/p>\n\n\n\n<p>\u76ee\u524d\u4ecd\u6709\u4e00\u4e9b\u9748\u6d3b\u7684\u4fe1\u8cb8\u9078\u64c7\uff0c\u53ef\u4ee5\u6839\u64da\u60a8\u8a08\u5283\u5982\u4f55\u4f7f\u7528\u8cc7\u91d1\uff0c\u70ba\u60a8\u63d0\u4f9b\u6240\u9700\u7684\u8cc7\u91d1\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f60\u771f\u6b63\u6709\u54ea\u4e9b\u9078\u64c7\uff1f<\/h2>\n\n\n\n<p>\u5982\u679c\u60a8\u5df2\u7d93\u662f\u7f8e\u570b\u9280\u884c\u7684\u5ba2\u6236\u6216\u8a08\u5283\u6210\u70ba\u7f8e\u570b\u9280\u884c\u7684\u5ba2\u6236\uff0c\u60a8\u7684\u4e3b\u8981\u8cb8\u6b3e\u9078\u64c7\u5c07\u5206\u70ba\u4e09\u985e\uff1a <strong>\u6c7d\u8eca\u8cb8\u6b3e<\/strong>, <strong>\u623f\u5c4b\u6de8\u503c\u4fe1\u7528\u984d\u5ea6\uff08HELOC\uff09<\/strong>\uff0c \u548c <strong>\u4fe1\u7528\u5361\u8cb8\u6b3e<\/strong>.<\/p>\n\n\n\n<p>\u6bcf\u7a2e\u65b9\u6cd5\u90fd\u6709\u5176\u81ea\u8eab\u7684\u512a\u9ede\u3001\u7f3a\u9ede\u548c\u5177\u9ad4\u61c9\u7528\u5834\u666f\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6c7d\u8eca\u8cb8\u6b3e\uff0c\u8f15\u9b06\u878d\u8cc7<\/h2>\n\n\n\n<p>\u9700\u8981\u8cb7\u8eca\u55ce\uff1f\u7f8e\u570b\u9280\u884c\u63d0\u4f9b\u5229\u7387\u512a\u60e0\u7684\u56fa\u5b9a\u6c7d\u8eca\u8cb8\u6b3e\u3002\u7121\u8ad6\u60a8\u662f\u60f3\u8cfc\u8cb7\u65b0\u8eca\u3001\u4e8c\u624b\u8eca\uff0c\u9084\u662f\u60f3\u9032\u884c\u518d\u878d\u8cc7\uff0c\u4ed6\u5011\u90fd\u80fd\u6eff\u8db3\u60a8\u7684\u9700\u6c42\u3002.<\/p>\n\n\n\n<p>\u8cb8\u6b3e\u91d1\u984d\u5f9e $7,500 \u8d77\uff0c\u9019\u5c0d\u65bc\u7576\u4eca\u5e02\u5834\u4e0a\u7684\u5927\u591a\u6578\u6c7d\u8eca\u4f86\u8aaa\u90fd\u662f\u5408\u7406\u7684\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5229\u7387\u5982\u4f55\uff1f<\/h2>\n\n\n\n<p>\u5229\u7387\u6703\u6839\u64da\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3001\u6536\u5165\u548c\u8cb8\u6b3e\u671f\u9650\u800c\u6709\u6240\u4e0d\u540c\u3002\u4f46\u5982\u679c\u60a8\u7684\u8ca1\u52d9\u72c0\u6cc1\u826f\u597d\uff0c\u9810\u8a08\u6703\u6536\u5230\u591a\u4efd\u8cb8\u6b3e\u65b9\u6848\u3002 <strong>6.39% APR \u6216\u66f4\u9ad8<\/strong>.<\/p>\n\n\n\n<p>\u5728\u7dda\u7533\u8acb\uff0c\u5f88\u591a\u60c5\u6cc1\u4e0b\u5e7e\u5206\u9418\u5167\u5373\u53ef\u7372\u5f97\u9810\u5148\u6279\u51c6\uff0c\u800c\u4e14\u4e0d\u6703\u5f71\u97ff\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f55\u6642\u623f\u5c4b\u6de8\u503c\u4fe1\u7528\u984d\u5ea6 (HELOC) \u53ef\u80fd\u66f4\u5408\u9069<\/h2>\n\n\n\n<p>\u64c1\u6709\u81ea\u5df1\u7684\u623f\u5b50\uff1f\u90a3\u9ebc\u4f60\u5c31\u64c1\u6709\u4e86\u6700\u9748\u6d3b\u7684\u4fe1\u8cb8\u5de5\u5177\u4e4b\u4e00\u2014\u2014\u623f\u5c4b\u6de8\u503c\u3002 <strong>\u623f\u5c4b\u6de8\u503c\u8cb8\u6b3e<\/strong> \u7f8e\u570b\u9280\u884c\u53ef\u4ee5\u5c07\u4f60\u623f\u5c4b\u7684\u50f9\u503c\u8f49\u5316\u70ba\u5faa\u74b0\u4fe1\u7528\u984d\u5ea6\u3002.<\/p>\n\n\n\n<p>\u6309\u9700\u4f7f\u7528\uff0c\u511f\u9084\u50b5\u52d9\uff0c\u5fc5\u8981\u6642\u518d\u85c9\u6b3e\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b83\u7684\u9748\u6d3b\u6027\u5982\u4f55\uff1f<\/h2>\n\n\n\n<p>\u78ba\u5be6\u5982\u6b64\u3002\u901a\u5e38\u60c5\u6cc1\u4e0b\uff0c\u60a8\u53ef\u4ee5\u5148\u7372\u5f9710\u5e74\u7684\u63d0\u6b3e\u671f\uff0c\u4e4b\u5f8c\u518d\u9032\u5165\u9084\u6b3e\u671f\u3002\u5229\u7387\u662f\u6d6e\u52d5\u7684\uff0c\u4f46\u7f8e\u570b\u9280\u884c\u7684\u73fe\u6709\u5ba2\u6236\u53ef\u80fd\u6703\u4eab\u6709\u6298\u6263\u6216\u512a\u60e0\u3002.<\/p>\n\n\n\n<p>\u975e\u5e38\u9069\u5408\u7528\u65bc\u5927\u984d\u3001\u4e0d\u5b9a\u671f\u652f\u51fa\u2014\u2014\u4f8b\u5982\u623f\u5c4b\u88dd\u4fee\u3001\u5b78\u8cbb\u6216\u50b5\u52d9\u6574\u5408\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0d\u8981\u5ffd\u8996\u4fe1\u7528\u5361\u8cb8\u6b3e<\/h2>\n\n\n\n<p>\u9019\u5247\u6d88\u606f\u4e0d\u592a\u5f15\u4eba\u6ce8\u76ee\uff0c\u4f46\u5b83\u662f\u771f\u7684\uff1a\u7f8e\u570b\u9280\u884c\u4fe1\u7528\u5361\u512a\u60e0 <strong>\u6211\u7684\u9918\u984d\u8f49\u79fb\u00ae<\/strong> \u548c <strong>\u73fe\u91d1\u9810\u652f<\/strong> \u591a\u7a2e\u9078\u64c7\u3002\u9019\u4e9b\u9078\u64c7\u5141\u8a31\u60a8\u900f\u904e\u65e2\u5b9a\u7684\u9084\u6b3e\u8a08\u5283\u8f49\u79fb\u6216\u63d0\u53d6\u73fe\u91d1\u3002.<\/p>\n\n\n\n<p>\u96d6\u7136\u4e0d\u9069\u7528\u65bc\u5927\u984d\u8cb8\u6b3e\uff0c\u4f46\u5728\u7dca\u6025\u60c5\u6cc1\u4e0b\u537b\u975e\u5e38\u6709\u7528\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7f3a\u9ede\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u73fe\u91d1\u9810\u652f\u901a\u5e38\u5229\u7387\u5f88\u9ad8\uff0d\u6709\u6642\u751a\u81f3\u8d85\u904e20%\u3002\u8acb\u8b39\u614e\u4f7f\u7528\uff0c\u50c5\u7528\u65bc\u60a8\u78ba\u5b9a\u80fd\u5920\u5feb\u901f\u511f\u9084\u7684\u77ed\u671f\u8cc7\u91d1\u9700\u6c42\u3002.<\/p>\n\n\n\n<p>\u9577\u671f\u501f\u8cb8\uff1f\u90a3\u5c31\u9078\u64c7\u6c7d\u8eca\u8cb8\u6b3e\u6216\u623f\u5c4b\u6de8\u503c\u4fe1\u7528\u984d\u5ea6\u8cb8\u6b3e\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f01\u696d\u4e3b\u8acb\u6ce8\u610f<\/h2>\n\n\n\n<p>\u7d93\u71df\u5c0f\u4f01\u696d\uff1f\u7f8e\u570b\u9280\u884c\u63d0\u4f9b <strong>\u4fe1\u7528\u984d\u5ea6\u3001\u5546\u696d\u5b9a\u671f\u8cb8\u6b3e<\/strong>\uff0c \u548c <strong>\u7f8e\u570b\u5c0f\u578b\u4f01\u696d\u7ba1\u7406\u5c40\u652f\u6301\u7684\u8cc7\u91d1<\/strong>. \u9019\u4e9b\u8cb8\u6b3e\u7d50\u69cb\u5408\u7406\u3001\u9748\u6d3b\uff0c\u800c\u4e14\u901a\u5e38\u914d\u6709\u5c08\u9580\u7684\u9867\u554f\u3002.<\/p>\n\n\n\n<p>\u8cc7\u683c\u53d6\u6c7a\u65bc\u4f01\u696d\u7d93\u71df\u6642\u9593\u3001\u6536\u5165\u548c\u4fe1\u7528\u8a55\u5206\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u662f\u5426\u63a5\u53d7\u7dda\u4e0a\u7533\u8acb\uff1f<\/h2>\n\n\n\n<p>\u662f\u7684\u3002\u60a8\u53ef\u4ee5\u5728\u7dda\u7533\u8acb\u6c7d\u8eca\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\uff0c\u751a\u81f3\u9032\u884c\u623f\u5c4b\u6de8\u503c\u4fe1\u7528\u984d\u5ea6\uff08HELOC\uff09\u67e5\u8a62\u3002\u5546\u696d\u8cb8\u6b3e\u7533\u8acb\u901a\u5e38\u9700\u8981\u5148\u5230\u9280\u884c\u6216\u5206\u884c\u8fa6\u7406\uff0c\u4f46\u6d41\u7a0b\u4ecd\u7136\u5f88\u7c21\u5316\u3002.<\/p>\n\n\n\n<p>\u5168\u7a0b\u90fd\u5c07\u7372\u5f97\u6578\u4f4d\u5316\u652f\u63f4\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7533\u8acb\u9700\u8981\u54ea\u4e9b\u8cc7\u6599\uff1f<\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u60a8\u901a\u5e38\u9700\u8981\u7684\u7269\u54c1\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6709\u6548\u7684\u7167\u7247\u8eab\u5206\u8b49<\/li>\n\n\n\n<li>\u6536\u5165\u8b49\u660e\uff08\u8fd1\u671f\u85aa\u8cc7\u55ae\u6216\u5831\u7a05\u55ae\uff09<\/li>\n\n\n\n<li>\u4fe1\u7528\u5831\u544a\u67e5\u95b1<\/li>\n\n\n\n<li>\u7533\u8acb\u623f\u5c4b\u6de8\u503c\u4fe1\u7528\u984d\u5ea6\u8cb8\u6b3e\u6642\uff0c\u9700\u63d0\u4f9b\u62b5\u62bc\u8cb8\u6b3e\u6587\u4ef6\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5c0d\u65bc\u5546\u696d\u8cb8\u6b3e\uff0c\u8acb\u5c07\u60a8\u7684\u96c7\u4e3b\u8b58\u5225\u865f\u78bc (EIN)\u3001\u640d\u76ca\u8868\u548c\u4f01\u696d\u9280\u884c\u8a18\u9304\u65b0\u589e\u81f3\u6e05\u55ae\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9019\u500b\u904e\u7a0b\u6709\u591a\u5feb\uff1f<\/h2>\n\n\n\n<p>\u6c7d\u8eca\u8cb8\u6b3e\u7684\u653e\u6b3e\u6642\u9593\u6700\u77ed\u53ef\u9054 <strong>\u4e00\u500b\u5de5\u4f5c\u5929<\/strong>. \u7531\u65bc\u9700\u8981\u9032\u884c\u623f\u7522\u8a55\u4f30\u548c\u6587\u4ef6\u6e96\u5099\uff0c\u623f\u5c4b\u6de8\u503c\u4fe1\u7528\u984d\u5ea6\u8cb8\u6b3e\u901a\u5e38\u9700\u8981\u5e7e\u9031\u6642\u9593\u624d\u80fd\u5230\u9054\u3002.<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7b26\u5408\u689d\u4ef6\uff0c\u4fe1\u7528\u5361\u529f\u80fd\u901a\u5e38\u53ef\u4ee5\u7acb\u5373\u4f7f\u7528\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u771f\u6b63\u6709\u5e6b\u52a9\u7684\u95dc\u4fc2\u734e\u52f5<\/h2>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u63d0\u4f9b <strong>\u95dc\u4fc2\u5b9a\u50f9<\/strong> \u9019\u610f\u5473\u8457\uff0c\u5982\u679c\u60a8\u5df2\u7d93\u5728\u4f7f\u7528\u4ed6\u5011\u7684\u652f\u7968\u5e33\u6236\u6216\u5132\u84c4\u5e33\u6236\uff0c\u60a8\u53ef\u80fd\u6709\u8cc7\u683c\u4eab\u53d7\u4ee5\u4e0b\u512a\u60e0\uff1a <strong>\u5229\u7387\u6298\u6263<\/strong> \u8cb8\u6b3e\u65b9\u9762\u3002.<\/p>\n\n\n\n<p>\u8a2d\u5b9a\u81ea\u52d5\u4ed8\u6b3e\uff0c\u9032\u4e00\u6b65\u964d\u4f4e\u5e74\u5229\u7387\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e26\u975e\u9069\u5408\u6240\u6709\u4eba<\/h2>\n\n\n\n<p>\u8b93\u6211\u5011\u8aaa\u6e05\u695a\u2014\u5982\u679c\u4f60\u9700\u8981\u4e00\u500b <strong>\u771f\u6b63\u7684\u500b\u4eba\u8cb8\u6b3e<\/strong> \u5982\u679c\u6c92\u6709\u62b5\u62bc\u54c1\uff0c\u9019\u5bb6\u9280\u884c\u4e0d\u9069\u5408\u60a8\u3002\u60a8\u6700\u597d\u8003\u616e\u5176\u4ed6\u9280\u884c\u3002 <strong>Marcus by Goldman Sachs\u3001SoFi \u6216 LightStream<\/strong>.<\/p>\n\n\n\n<p>\u4f46\u5982\u679c\u60a8\u5df2\u7d93\u662f\u7f8e\u570b\u9280\u884c\u7684\u5ba2\u6236\uff0c\u90a3\u9ebc\u4e86\u89e3\u4ed6\u5011\u63d0\u4f9b\u7684\u670d\u52d9\u5c31\u5f88\u6709\u610f\u7fa9\u4e86\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f55\u6642\u9078\u64c7\u7f8e\u570b\u9280\u884c\u8cb8\u6b3e\uff1f<\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u5b83\u884c\u4e4b\u6709\u6548\u7684\u60c5\u6cc1\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f60\u60f3\u8cb7\u8eca\uff0c\u60f3\u8981\u5feb\u901f\u3001\u65b9\u4fbf\u7684\u878d\u8cc7\u65b9\u6848\u3002<\/li>\n\n\n\n<li>\u60a8\u64c1\u6709\u4e00\u5957\u623f\u7522\uff0c\u4e26\u5e0c\u671b\u9748\u6d3b\u63d0\u53d6\u623f\u5c4b\u6de8\u503c\u3002<\/li>\n\n\n\n<li>\u4f60\u7684\u4f01\u696d\u9700\u8981\u7d50\u69cb\u5316\u8cc7\u672c\u3002<\/li>\n\n\n\n<li>\u60a8\u5df2\u7d93\u662f\u4ed6\u5011\u7684\u5ba2\u6236\uff0c\u60f3\u8981\u4eab\u53d7\u5fe0\u8aa0\u5ba2\u6236\u512a\u60e0<\/li>\n<\/ul>\n\n\n\n<p>\u95dc\u9375\u5728\u65bc\u627e\u5230\u7b26\u5408\u81ea\u8eab\u9700\u6c42\u7684\u7522\u54c1\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u503c\u5f97\u8003\u616e\u7684\u66ff\u4ee3\u65b9\u6848<\/h2>\n\n\n\n<p>\u9084\u662f\u7336\u8c6b\u4e0d\u6c7a\uff1f\u4ee5\u4e0b\u662f\u4e00\u4e9b\u63d0\u4f9b\u50b3\u7d71\u500b\u4eba\u8cb8\u6b3e\u7684\u8cb8\u6b3e\u6a5f\u69cb\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SoFi<\/strong> \u2013 \u63d0\u4f9b\u6700\u9ad8 $100K \u7684\u7121\u62b5\u62bc\u8cb8\u6b3e\uff0c\u4e14\u4e0d\u6536\u53d6\u4efb\u4f55\u8cbb\u7528<\/li>\n\n\n\n<li><strong>\u5347\u7d1a<\/strong> \u2013 \u9069\u7528\u65bc\u4fe1\u7528\u8a55\u5206\u4f4e\u81f3 560 \u7684\u60c5\u6cc1<\/li>\n\n\n\n<li><strong>\u767c\u73fe<\/strong> \u5982\u679c\u60a8\u60f3\u8981\u56fa\u5b9a\u5229\u7387\u548c\u53ef\u9760\u7684\u54c1\u724c\uff0c\u90a3\u9ebc\u9019\u500b\u9078\u64c7\u5f88\u68d2\u3002<\/li>\n\n\n\n<li><strong>\u524d\u885b<\/strong> \u2013 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class=\"wp-block-heading\">\u95dc\u65bc\u7f8e\u570b\u9280\u884c\u8cb8\u6b3e\u7684\u6700\u5f8c\u601d\u8003<\/h2>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u53ef\u80fd\u4e0d\u6703\u767c\u653e\u7121\u64d4\u4fdd\u500b\u4eba\u8cb8\u6b3e\uff0c\u4f46\u4ed6\u5011\u63d0\u4f9b\u7684\u670d\u52d9\u53ef\u9760\u3001\u5b89\u5168\u3001\u6709\u6548\u7387\u3002.<\/p>\n\n\n\n<p>\u7121\u8ad6\u60a8\u662f\u60f3\u8cb8\u6b3e\u8cb7\u8eca\u3001\u5229\u7528\u623f\u5c4b\u6de8\u503c\uff0c\u9084\u662f\u767c\u5c55\u60a8\u7684\u696d\u52d9\uff0c\u4ed6\u5011\u7684\u5de5\u5177\u90fd\u975e\u5e38\u53ef\u9760\u2014\u2014\u7279\u5225\u662f\u5982\u679c\u60a8\u5df2\u7d93\u662f\u4ed6\u5011\u7684\u9280\u884c\u5ba2\u6236\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re considering borrowing money, it\u2019s normal to feel unsure about where to start. 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