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房屋净值贷款

首页 is more than a roof over your head—use it to consolidate credit cards, 家装项目融资, 或者支付其他主要费用.

申请贷款

或打电话 1-

房屋净值贷款 感兴趣 率  4月  点  每月 付款
10年固定 4.490% 5.155% 0.0 $518.00
15年固定 4.740% 5.206% 0.0 $389.00

支付 shown do not include taxes and insurance premiums. 利率是基于对信用历史的评估, 组合贷款与价值比率, 贷款期限, 和入住率, 所以你的速率可能不同. Not all applicants will qualify for the displayed lowest rates. 年利率(4月), 12月1日有效, 2021, and example monthly payments are calculated using loan amounts of $50,000, a credit score of 730 or greater and combined loan-to-value of 80% for a single-family residence and estimated closing costs of $538 for the 10-year and $641 for the 15-year. A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. Please consult your tax advisor regarding the deductibility of interest. Programs, rates, terms, and conditions are subject to change without notice.

房屋净值贷款

你的家可能是你获得所需资金的门票.

关键特性

  • Lock in a fixed rate for the life of the loan with a fixed monthly payment
  • The amount you can borrow is based on the equity you have in your home
  • Get the money you need upfront in a lump-sum single payout
  • Never worry about the possibility of rising interest rates
  • 10年期和15年期贷款选择

计算你能借多少钱

也许是个不错的选择,如果

  • 你想要一次性预付
  • You want predictable monthly payments that stay the same
  • 你想用它来支付大额费用, 比如家庭装修, 新车, 学费, 大的假期, 第二个家, 大件商品, 或其他一次性需求
  • You want to consolidate debt from other loans or credit cards

比较房屋净值期权

那么,到底什么是房屋净值贷款?

A home equity loan allows you to borrow funds using your home as collateral. 

什么是“公平”?

Equity is the current value of your home minus the amount you owe on other mortgages. The amount you can borrow is based on the equity you have in your home. 

房屋净值贷款如何运作

有时被称为二次抵押贷款, a home equity loan is a lump sum of money you borrow against the equity of your home. Just as your first mortgage is secured by the property, so is the home equity loan. You may qualify for up to 100% of the appraised value of your home, 减去你第一次抵押贷款的余额.

You repay the loan with equal monthly payments over a fixed term. 感兴趣 rates are fixed over the life of the loan to allow you to budget best. 

Prefer the flexibility of accessing available funds on an ongoing basis? 考虑一个 房屋净值信用额度.

开始

我可以用这笔贷款做什么?

Your 元素 房屋净值贷款 is best for purchases such as:

  • 家装项目计划
  • College (paying off student loans or paying 学费 directly)
  • 第二个家
  • 债务合并

开始

What’s the difference between a 房屋净值贷款 and a 房屋净值信用额度 (HELOC)?

所有贷款都有利有弊, 特别是在支付重大费用的时候. Both of the home-equity options allow you to borrow against the appraised value of your home, 在你需要的时候给你现金. 这里有一些区别:

房屋净值贷款

A home equity loan is more like your original home mortgage. You borrow a specific amount, and then you make regular payments during a fixed repayment period. You apply for the amount you need and receive the money upfront in a lump-sum single payout. 感兴趣 rates are fixed over the life of the loan so your payments never change. 

房屋净值信用额度

与传统贷款不同, a home equity line of credit is something you establish ahead of time and use when and if you need it. In that way, it’s similar to a credit card, except with a HELOC, your home is used as collateral. You can access as much or a little as you need from your HELOC, 只要你需要, 以收货时所设定的信用限额为准. A HELOC gives you the flexibility to borrow against your home equity, repay and repeat. 感兴趣 rates are variable and often lower than a home equity loan.

Use the chart below to determine which is better for your needs. 一如既往地, your support team at 元素 is ready to help you find the product that is best for you—just give us a call at 1-.

  房屋净值贷款 房屋净值信用额度
它是什么

用你家里的资产来借钱

固定数额的贷款

用你家里的资产来借钱

Revolving credit line for the 10-year draw—use, repay, repeat

关键好处

固定的月供

最低利率

4月

10年期固定:5.155%

15年固定:5.206%

介绍6个月的4月: 0.99%

变量4月在6个月的引入期后:低至3.75%

这是一个很好的选择,为一个重大或意外购买,如果你

自己的家里

想要钱在一次一次性支付

想要固定的固定利率

希望每月的还款保持不变

自己的家里

Want the flexibility of using funds whenever you need them

想要更低的付款

可用于下列用途

最适合购买以下物品:

-计划家庭改善项目
——大学
-第二个家
——债务整合

任何东西! 如:购买

——意想不到的突发事件
——家里的改进
——大学
-那个长假
-一辆新车
-第二个家
——债务整合

没有预付处罚
没有年费
可用的数量

无论你家里的可用资产是多少

无论你家里的可用资产是多少

费用是多少??

There are no prepayment penalties or an annual fee associated with a home equity loan. 交易手续费通常在538美元到641美元之间.

我如何获得资金?

You will be given the funds in a lump-sum single payout at closing. The funds can be given to you by check or direct deposit into an account of your choosing.

澳门新莆京游戏手机版是否提供债务整合贷款?

We do offer consolidation loans to consolidate bills and pay off other debts. A 房屋净值贷款 (see information on this page) can be used for that purpose. 其他可供大多数成员选择的选项包括 个人贷款, 房屋净值信用额度,甚至是第一次 抵押贷款再融资 有一个债务整合选项.

为什么我应该去元素为我的房屋净值贷款?

澳门新莆京游戏手机版,只是更好!

更好的利率. 更少的费用.

因为澳门新莆京游戏手机版是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄利率和更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. We come to your workplace to answer questions and can provide you with personalized guidance about your loan.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally1. 澳门新莆京游戏手机版为所有50个州和50多个国家的会员服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

澳门新莆京游戏手机版的技术使银行与元素容易. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

如何申请?

3个简单的步骤

  1. 在线申请 - 你可以在网上申请,只需10分钟! 随时提交申请或致电 1- 开始. 你的身份证(驾驶执照)准备好了吗, 状态标识, 或护照)和估计你的家庭收入, 资产, 房屋价值和你为你的房子支付的价格.
  2. 接澳门新莆京游戏手机版的电话 - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
  3. 安排你关闭 - We'll contact you with a decision within 10 business days and schedule a closing at a location convenient to you if approved. 就是这样, 你的贷款可以用起来了!

马上申请

我可以从我的房屋净值中借多少钱?

房屋净值贷款计算器

结果

在房屋净值贷款或信用额度
  1. 1 基于截至2020年1月31日的资产规模