求助！ 想买房子，首期不够，谁愿意把钱以3%年息借我？多多益善！

人在北美

原帖由 xdd 于 2006-3-29 10:15 发表
  V. G# L* z! D$ F% v: [GIC for one year is more than 3.8% now.

请教一下：什么是GIC?
多谢！

a888wong

GIC. Guarantee Investment Certificates.  Like Fixed Term Deposite in China but they are of higher interest rate.  Look at the S& P rating of each certificates.  The term for the GIC is different min. 1 yr  There are some for 5 years.  Terms are different.

! F6 L$ w  b; N. O0 G3 ?% BOne thing If you purchase GIC.  YOu need to report income tax.  If you are with high income bracket, you may need to pay 50% of your interest earned Tax.  So 3.8% will only be 1.6% at the end

6 j9 B% I  r# b+ eSo if you borrow money to Young Heart by Cash.  Then you may not need to report interest as income.  Pls check this

瑞雪丰年

原帖由 Dongbeiren 于 2006-3-29 20:54 发表
3 i3 {) T  L" ?/ d8 t银行两年定期4.5%

请问是哪家银行？