cover of episode There’s a BIG Catch to Zero-Interest Loans

There’s a BIG Catch to Zero-Interest Loans

2024/7/15
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George Kamel
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George Kamel
从负净值到百万富翁的个人财务专家，通过播客和书籍帮助人们管理财务。
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George Kamel：本期节目揭露了零利率贷款的真相，指出这些看似诱人的交易背后往往隐藏着陷阱。商家利用零利率贷款诱导消费者过度消费，购买超出其支付能力的商品。此外，商家通常会将利息成本内置到商品价格中，或者在交易过程中添加隐藏费用，最终导致消费者支付的价格远高于预期。 George Kamel还解释了"无息"12个月和"0% APR"12个月的区别。"无息"12个月是指前12个月不收取利息，但利息仍在计算中，如果12个月内未还清全部余额，则需要支付所有累积利息。而"0% APR"12个月则是在12个月内不收取利息，但如果12个月后仍有余额，则会立即开始收取利息。 George Kamel建议消费者避免零利率贷款，因为这些交易只是银行和贷款机构获利的策略。他强调，避免支付任何利息的唯一方法是全额现金支付。他还提醒消费者注意贷款还款日期和促销期结束日期可能不一致的情况，这会导致即使按时还款，也可能在促销期结束前无法还清全部贷款，从而产生利息。即使是轻微的还款延误，也可能导致零利率贷款的促销期提前结束，产生滞纳金和其他费用。

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Explains the allure of zero-interest loans and the hidden pitfalls that make them less appealing than they seem.

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Zero-interest loans sounding too good to be true? Well, you’re right—they probably are. In this episode, I’m exposing the truth behind those tempting no-interest finance deals and showing why there’s almost always a hidden catch. 

 

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