房屋净值信贷额度

房屋净值信用额度, 也被称为HELOC, 允许你用你的房子作为抵押来借款.

什么是“公平”?

Equity is the current value of your home minus the amount you owe on other mortgages. 你能借到的金额是基于你的房屋净值. 

信贷额度是如何运作的

您可以从您的HELOC访问您需要的多少或多少, 当你需要的时候, 达到交易结束时设定的信用限额. Much like a credit card that allows you to borrow against your spending limit as often as needed, 一个HELOC给你的灵活性，以你的房屋净值贷款, 偿还,重复.

You can easily make transfers from your HELOC to your 元素 checking accounts within online banking. 元素 will also provide an Equity Access Visa® Card and checks that you can use to easily make purchases directly with your HELOC funds.

HELOC有两个阶段:

• 提款期:最初的10年，你可以从信用额度借款.
• Repayment Period: Following 15 years when you pay back the amount borrowed plus interest as with a fixed rate loan.

利息的特性

利息支付s are featured during the first 10 years of the line of credit. 在这一次, the borrowed amount converts to a fixed loan payment structure in order to pay the complete balance with the interest over the next 15 years.

开始

更喜欢可预测的每月付款，保持不变和一次性支付? 考虑一个 房屋净值贷款.

是的，你真的可以! You can use your 元素 房屋净值信贷额度 (HELOC) to finance major expenses, such as:

• 家里的改进
• 大学(偿还学生贷款或直接支付学费)
• 大的假期
• 一辆新车
• 第二个家
• 医疗费用
• 债务合并
• 意想不到的突发事件
• 由你决定! 

申请HELOC

元素 房屋净值信贷额度 (HELOC)允许你支付 only the interest costs for up to 10 years without having to pay down your loan balance. 然后余额转化为15年的贷款, 你必须开始付款, 包括偿还债务的利息和本金, 或者申请一个新的HELOC，如果你仍然有产权在你的房子.

The interest-only payment feature gives you low monthly payments during the initial term and can free up cash flow so you can choose how and when you spend your money.

For example, your interest-only payment would be about $10 per month for a $10,000 HELOC balance.

申请HELOC

所有的贷款都有其利弊, 尤其是在支付主要费用的时候. 如果你有自己的房子, a 房屋净值信贷额度 is often the most flexible and affordable option for major purchases like home improvements, 支付大学, 甚至是一个大的假期.

Compare different types of loan products in the chart below to determine which is best 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-.

确定! Your home can act as a safety net for those times when life throws you a curveball: your furnace goes out, 你有计划外的医疗账单, 有人失业了, 你的汽车修理费比你准备的还贵——你知道的. 如果你已经获得了HELOC, you will be ready for those emergencies because you can immediately draw money from your line of credit. Of course, you won’t have anything to pay back until, or if, you draw on the HELOC. So, 是的, it is a good idea to take advantage of your biggest asset by proactively applying for an 元素 HELOC.

开始

• 没有关闭成本, 预付处罚, 或与房屋净值信用额度相关的年费.
• An appraisal fee may be necessary, depending on the value and equity of the loan.

You can access your equity simply and easily by transferring funds from your HELOC account to your 元素 checking account within online banking. 元素 will also provide an Equity Access Visa® Card and checks that you can use to easily make purchases directly with your HELOC funds.

您可以从您的HELOC访问您需要的多少或多少, 当你需要的时候, 达到交易结束时设定的信用限额. Much like a credit card that allows you to borrow against your spending limit as often as needed, 一个HELOC给你的灵活性，以你的房屋净值贷款, 偿还,重复.

我们提供合并贷款来合并账单和偿还其他债务. 房屋净值信用额度 (see information on this page) can be used for that purpose. 对大多数成员可用的其他选项包括 个人贷款, 房屋净值贷款，甚至是第一次 抵押贷款再融资 有债务合并选项.

就像银行，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, 我们以降低费用的形式将利润返还给会员, 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.

我们为自己是一个值得信赖的金融教育来源而自豪. 我们来到你的工作场所是为了回答你的问题，并能为你提供 个性化指导您的HELOC.

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 nationally³. 我们服务于50个州和50多个国家的会员. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

我们的技术使使用元素进行银行操作变得容易. 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

3个简单的步骤

1. 在线申请 - 你可以在10分钟内在线申请! 随时提交您的申请或致电 1- 开始. 准备好你的身份证(驾驶执照)了吗, 状态标识, 或者护照)和你的家庭收入估计, 资产, 房屋价值和你为你的房子支付的价格.
2. 接我们的电话 - 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, 你的信用额度是开放的!

马上申请