家不仅仅是你头顶上的一个屋顶——用它来巩固你的信用卡吧, finance home-improvement projects, or pay for other major expenses.
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| Home Equity Loan | Interest Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| 10 Year Fixed | 8.590% | 8.777% | 0.000 | $622.00 |
| 15 Year Fixed | 8.840% | 8.977% | 0.000 | $502.00 |
所显示的付款不包括税金和保险费. Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. 并不是所有的申请人都有资格获得显示的最低费率. Annual Percentage Rates (APR), effective May 1, 2024, 例如每月还款额是用50美元的贷款金额来计算的,000, 单户住宅的信用评分为730分或更高，贷款价值比合计为80%，预计成交成本为622美元.00 for the 10-year and $502.00 for the 15-year. 贷款发起费375美元和产权查询费将适用. 额外的州或地方抵押贷款费用或税收可能适用. 关于利息的扣除，请咨询您的税务顾问. 计划、费率、条款和条件如有变更，恕不另行通知.
房屋净值贷款允许你用你的房屋作为抵押来借款.
权益是你房屋的现值减去你欠其他抵押贷款的金额. 你可以借的金额是基于你在你的房子的权益.
Sometimes called a second mortgage, 房屋净值贷款是你以房屋净值为抵押借入的一笔钱. 正如你的第一笔抵押贷款是由房产担保的，房屋净值贷款也是如此. 您可能有资格获得高达100%的房屋评估价值, minus the balance of your first mortgage.
你在固定期限内按月等额偿还贷款. 贷款期间的利率是固定的，这样你就可以做最好的预算.
喜欢在持续的基础上获得可用资金的灵活性? Consider a Home Equity Line of Credit.
您的Elements房屋净值贷款最适合购买以下物品:
There are benefits and trade-offs to all loans, especially when it comes to paying off major expenses. 这两种房屋净值选择都允许您根据房屋的评估价值借款, providing you with cash when you need it. Here are some of the differences:
房屋净值贷款更像你原来的房屋抵押贷款. 你借一笔特定的钱，然后在固定的还款期限内定期还款. 您申请所需的金额，并以一次性一次性支付的方式提前收到这笔钱. 在贷款期间，利率是固定的，所以你的还款额永远不会改变.
Unlike a conventional loan, 房屋净值信用额度是你提前建立并在需要时使用的东西. 在这方面，它类似于信用卡，除了HELOC，你的房子被用作抵押品. 您可以根据需要从HELOC中获取或多或少的信息, whenever you need it, up to the credit limit established at closing. HELOC为您提供了以房屋净值为抵押借款、偿还和重复的灵活性. 利率是可变的，通常低于房屋净值贷款.
使用下面的图表来确定哪个更符合您的需求. As always, 您在Elements的支持团队随时准备帮助您找到最适合您的产品，请致电我们 1-317-542-5055.
| Home Equity Loan | Home Equity Line of Credit | |
|---|---|---|
| What It Is |
Borrow funds using the equity in your home Loan for a set amount |
Borrow funds using the equity in your home 循环信贷额度为10年提取-使用，偿还，重复 |
| Key Benefits |
Fixed monthly payments |
Lowest interest rate |
| APR |
10-year fixed: 8.777% 15-year fixed: 8.977% |
Intro APR for 6 months: 5.99% Variable APR after 6-month intro period: As low as 8.50% |
| A Good Option for a Major or Unexpected Purchase If You |
Own your home Want money upfront in a lump sum single payout Want a locked-in fixed interest rate Want predictable monthly payments that stay the same |
Own your home 想要在需要的时候灵活地使用资金 Want a lower payment |
| Can Use It For |
Best for purchases such as: - Planned home improvement projects |
Anything! Purchases such as: - Unexpected emergencies |
| No Prepayment Penalties | ||
| No Annual Fee | ||
| Available Amounts |
Whatever your available equity is in your home |
Whatever your available equity is in your home |
房屋净值贷款没有预付罚金或年费. Closing fees typically run between $538 to $641.
您将在交易结束时一次性获得这笔资金. 资金可以通过支票或直接存入您选择的账户.
我们确实提供合并贷款来合并账单和偿还其他债务. 房屋净值贷款(见本页信息)可用于此目的. Other options available to most members include Personal Loans, Home Equity Line of Credit, or even a first mortgage refinance with a debt consolidation option.
Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, higher savings rates and lower loan rates.
我们以成为值得信赖的金融教育机构而自豪. 我们会到您的工作场所回答您的问题，并为您提供有关贷款的个性化指导.
自1930年以来，我们的总部设在印第安纳波利斯，在全国信用合作社中排名前3%1. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.
Our technology makes banking with Elements easy. 从快速的数字应用程序到在线和移动银行，无论您走到哪里，我们都会在您身边. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.
