关于房贷。关于revolving

NZyimin_new

高人们能用汉语解释清楚什么是这个吗？

NZyimin_new

Revolving-credit facility: This operates like a large overdraft, secured by the mortgage over your home. Interest applies whenever the account is overdrawn – and the account can be overdrawn at any time up to the maximum of the mortgage.

Revolving credit is flexible and works well for disciplined borrowers. But offsetting the flexibility is the temptation for some people to never quite pay down the balance. If you want the flexibility of a revolving-credit mortgage without the temptation, ask your lender or broker about your options. Some possibilities are a revolving-credit mortgage with a reducing balance (where the credit limit available reduces over time), or a flexible table mortgage that allows you to "redraw" some of what you have repaid.

NZyimin_new

貌似是全要都交给银行，用钱的话再透支，付高额的利息。

不是账户里的钱可以抵消贷款，不拿存款利率，而是当作偿还了那部分的贷款利率吗？

为何有人又说revolving credit部分的利率反而比fixed rate高呢？