HELOC是一种聪明的方式来获取你家里的股权，帮助你实现你的财务目标.
Use your HELOC to help tackle projects and expenses big and small. The possibilities are endless. Remodel your kitchen or bathroom, or create a new addition to your home. 你也可以用你的股权来偿还高利率债务或支付意外开支.
与变量, interest only payments on what you borrow, and the option to lock in all or part of your balance into a fixed-rate2， HELOC在你最需要的时候提供灵活性和安全性.
Whatever your dreams and goals, your home’s equity can help.
它很容易开始，只需要几分钟就可以看到你是否有资格预审.
可变利率与选项锁定在你的余额的一部分，以固定利率2
Check your personalized rate and terms with no impact to your credit3
Finish applying online within minutes
No application fee, no pre-payment penalty, and no annual fee
首页 improvements, debt consolidation, large purchases– you name it
为你所需要的东西准备现金，并使用你的可用资金长达10年
税率自2024年5月14日起生效
保存0.当您设置自动付款和定期存款时，可享受50%的折扣.4
|
量 |
贷款与估值 |
APR范围1 |
|---|---|---|
| $10,000-$500,000 | 高达90 | 9.00% to 11.75% |
How much can I borrow from my home equity?
所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.
HELOC是一种循环信用额度，允许您以房屋净值为抵押借款，以便在需要时获得现金. HELOC, 你有一个可以借债的数额，这个数额就是你的信用额度. 除了选择您需要借款的金额(以您的最高批准限额为限), you can also determine when and how many times you borrow, making this loan type more flexible for your financial needs. +, you only pay interest on what you borrow.
在大多数情况下, 我们可以为您的房屋价值提供高达90%的融资-包括您的第一笔抵押贷款(如果有的话)和您的新HELOC. 例如, if your property is worth $800,你还欠500美元,你的第一笔抵押贷款, you may be eligible for a HELOC up to $220,000. ($800,000 x 90% = $720,000. $720,000 – $500,000 = $220,000.)请记住，这取决于其他几个因素，比如你的贷款批准, 信用记录及收入. 我们建议 checking your rate first to pre-qualify.
No. We’re proud to offer no application fees, 不收取提前结案费, 没有年费, and no closing costs on lines up to $250,000.5
You may be able to deduct interest you pay from your loan. 我们建议 consulting your tax advisor for specifics.
It’s easy to use your HELOC for your financial needs. Choose what’s convenient for you:
目前，Patelco不为出租物业提供heloc -仅用于主要住宅. 但是，如果您需要获得现金以满足特定需求，您可能需要探索我们的 个人贷款
我们的住房贷款顾问是专门提供住房贷款的专业知识和建议. Not sure if a HELOC is right for you? 他们会帮你找到短期和长期目标的正确选择. Schedule a complimentary consultation today.
2020年6月30日
Looking for ways to save money? 从帕特尔科信用合作社的专家那里了解如何建立一个紧急储蓄基金. 现在就开始存钱!
2019年10月31日
找出如何更好地管理你的钱，提高你的财务状况. 从帕特尔科那里得到10个理财技巧，现在就开始掌握你的钱!
2019年10月9日
这可能很难，但为退休和孩子的大学费用储蓄是可能的. Make smart choices and you can reach both goals!
1 房屋净值贷款和信用额度仅适用于加州的主要住宅. 9.截至2024年5月14日，00%年利率和其他条款是准确的，对于CLTV最合格的申请人，适用于HELOC，最高可达80%. Not all applicants will qualify for the lowest rate. 利率 vary based on property value, line amount and other factors, and will vary for second or vacation homes. 最低分期付款是头十年只付利息(“提款期”)，然后在最后15年全额分期偿还余额. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, 你的月供将会增加，因为你将同时支付本金和利息. The rate is calculated using an index plus a margin. 所使用的指数是变动前一个月最后一个工作日《太阳集团平台》西部版公布的最优惠利率. The current prime index is 8.50%. 最低利率是3%. Maximum interest rate is 17%.
2 Rate and payments are based on Prime plus a margin. Changes to Prime will result in changes to the rate and payment. 贷款结束后, 您可以选择将您的部分或全部现有股本余额锁定在新的Patelco房屋净值信贷额度上，以10年或15年的固定利率锁定. 利率 may vary and are subject to change. 你可能只有一个固定利率的选择，要么全部或部分余额在同一时间. 你的固定利率余额将减少可用于未来提取股本额度的信贷金额. 任何未来的抽奖将在可变利率和支付在抽签时对你的贷款生效. 您将收到一份单独的对账单，并为您余额中的固定利率部分单独支付本金和利息. The maximum term available for a fixed rate option is 15 years. Other restrictions may apply.
3 Patelco运行一个“软”信贷拉动来确定你符合资格预审的条件. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco将要求您从一个或多个信用报告机构获得完整的信用报告. This will be a “hard” pull and may affect your credit. 如果有必要的话, we may also share certain information about you with third parties, 比如我们的保险公司, 处理您的要求.
4 0.50% HELOC rate discount available after loan funds. 满足并保持持续的折扣资格，设置自动贷款支付和每月500美元的定期存款到Patelco账户. Additional conditions may apply. Speak to a 首页 Loan Consultant for more details.
5 The minimum credit line amount is $10,000 and the maximum is $500,000. 帕特尔科信用合作社将按惯例支付最高250美元的结算费用,000 (excludes ADU 房屋净值 Line of 信贷). If your Account is opened under the “No Closing Cost” loan program, 不收取贷款费用，也不收取惯例成交费用，包括:用于确定物业价值的自动估值模型(AVM), 出借人产权保险, 快递, 点, 线的费用, 公证, 托管费用, recording of Patelco documents, 洪水认证, 信用报告, 贷款发放, 或者是税务服务. 如果所述服务是通过我们首选的服务提供商进行的，则帕特尔科信用合作社将仅支付这些列出的费用. If conditions for the “No Closing Cost” program are not met, including the use of service providers associated with the program, 那么，您将负责任何相关的成交费用，而这些费用将不会由帕特尔科信用合作社支付. The “No Closing Cost” program does not include extraordinary items, 包括但不限于以下内容:住宅房地产估价, additional 信用报告s for the same loan transaction, grant deeds and any associated 公证 or recording fees, missed appraisal appointments or ‘trip charges’, 太阳能提升或终止, and any fees to close another account as the result of this Account. Borrower is responsible for closing costs over $250,000. Closing costs range from $0 to $2,500. This offer does not include escrow or recording fees, or additional 公证 fees that may result from changes in title, vesting or 公证 appointments.
读了 HELOC项目披露.
