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 | 8.340% | 8.514% | 0.000 | $615.66 |
| 15 Year Fixed | 8.590% | 8.717% | 0.000 | $495.01 |
Payments shown do not include taxes and insurance premiums. Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. Annual Percentage Rates (APR), effective October 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615美元.66 for the 10-year and $495.01 for the 15-year. 贷款发起费375美元和产权查询费将适用. Additional state or local mortgage fees or taxes may apply. 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.
You repay the loan with equal monthly payments over a fixed term. 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.
Your Elements Home Equity Loan is best for purchases such as:
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:
A home equity loan is more like your original home mortgage. 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. You can access as much or a little as you need from your HELOC, 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.
Use the chart below to determine which is better for your needs. 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 Revolving credit line for the 10-year draw—use, repay, repeat |
| Key Benefits |
Fixed monthly payments |
Lowest interest rate |
| APR |
10-year fixed: 8.514% 15-year fixed: 8.717% |
Intro APR for 6 months: 4.99%1 Variable APR after 6-month intro period: As low as 8.00% |
| 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 Want the flexibility of using funds whenever you need them 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, we return profits to members in the form of reduced fees, 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%2. 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.
