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. 

房屋净值贷款是如何运作的

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 房屋净值信贷额度.

开始

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

所有的贷款都有其利弊, 尤其是在支付主要费用的时候. Both of the home-equity options allow you to borrow against the appraised value of your home, 在你需要的时候为你提供现金. 以下是一些不同之处:

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. 

房屋净值信贷额度

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, 当你需要的时候, 达到交易结束时设定的信用限额. 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-.

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

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.

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. 对大多数成员可用的其他选项包括 个人贷款, 房屋净值信贷额度，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, 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. 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! 随时或致电提交申请 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, 你的贷款可以投入使用!

马上申请