分期付款贷款 你有一大笔一次性支出
信用额度 在一段时间内你会有很多开销
只付利息的信用额度 need to make smaller payments initially but will be able to make larger payments later
区别在于细节
了解房屋净值贷款之间的区别.
Home equity is the difference between your home’s market value and the amount that you owe on your mortgage. 你 can borrow against your home’s equity to fund large projects or major expenses.
A 房屋净值 installment loan and a 房屋净值 line of credit (HELOC) are both great ways to borrow funds for home improvement or remodeling projects, 或者帮助支付大学学费, 债务合并, 医疗费用, 以及其他大笔开支. 以下是它们的工作原理.
房屋净值 分期付款贷款
With a 房屋净值 installment loan, you receive your funds in a single lump sum. 这种类型的贷款是理想的，如果你有一个大, 一次性费用, 或者如果你想巩固债务，专注于偿还. It offers fixed rates and a steady monthly repayment schedule for up to 15 years. Since the loan is secured by your home’s equity, the interest you pay may be tax deductible.
低至
5.10%
4月1
特性
- 借一个特定的, 一次性 以你的房屋可用权益为抵押的美元金额
- 选择 一个适合你的贷款期限
- 可以预见, 固定利率 按月支付
房屋净值 信用额度
房屋净值信用额度可以让你在需要的时候借到资金, 达到你可用的信用额度. With this revolving line of credit, you can borrow, repay, and borrow again. 很像信用卡, the credit amount becomes available again as the outstanding balance is repaid. This can be useful if you’re planning a major project with multiple expenses or if you want ongoing access to funds for emergencies. HELOCs具有灵活的还款选择.
低至
5.00%
变量4月2
特性
- 你可以享受低至最低的6个月的初始利率 1.4月99%4
- 借多少都可以 你需要，以您的信用额度为限(最低为10,000元)2
- Get all the benefits of banking with United such as online and mobile banking, and a HELOC®签证卡
- 低 按月支付
你的房子价值解锁
With United, there are no origination 费用, closing costs, or annual 费用. Both our 房屋净值分期贷款 and our 房屋净值 信用额度 are not limited to any specific use and are easy to apply for online. 最好, by signing up for autopay with your 超检查 or 奖励检查 account, 您可以在费率上享受折扣5.
比较图
Get the breakdown of what makes our 房屋净值分期贷款 and 房屋净值 信用额度 different from one another.
考虑如果...
details
利率
分期付款贷款 固定的,5.10 - 14.4月70%1
信用额度 变量,4.75 - 14.4月00%2
只付利息的信用额度 变量,5.25 - 13.4月25%3
介绍率
分期付款贷款 没有一个
信用额度 1.99% 4月6个月4
只付利息的信用额度 1.99% 4月6个月4
条款
分期付款贷款 长达15年
信用额度 10年提取期
只付利息的信用额度 10年提取期
最大CLTV
合并贷款与价值比率
分期付款贷款 90%
信用额度 90%
只付利息的信用额度 80%
最大DTI
债务收入
分期付款贷款 50%， 50万以上:55%
信用额度 50%， 50万以上:55%
只付利息的信用额度 50%， 50万以上:55%
最低贷款金额
分期付款贷款 $10,000
信用额度 $10,000
只付利息的信用额度 $10,000
费用 & 处罚
融资费用
分期付款贷款 没有一个
信用额度 没有一个
只付利息的信用额度 没有一个
收的费用
分期付款贷款 没有一个
信用额度 没有一个
只付利息的信用额度 没有一个
年费
分期付款贷款 没有一个
信用额度 没有一个
只付利息的信用额度 没有一个
早期的终止费用
Applies to 房屋净值贷款 closed within 24 months of the plan's opening date
分期付款贷款 高达250美元
信用额度 高达250美元
只付利息的信用额度 高达250美元
特性
债的保全6
分期付款贷款 可用
信用额度 可用
只付利息的信用额度 不可用
自动转帐的折扣
折扣适用于自动支付从一个联合支票帐户
分期付款贷款 0.25%
信用额度 0.25%
只付利息的信用额度 0.25%
签证®卡
分期付款贷款 不可用
信用额度 可用
只付利息的信用额度 可用
感兴趣?
好 要知道
而HELOCs上的速率是可变的, it is tied to the Wall Street Journal Prime Rate which is easy to track and the rate is capped. In the event of an increase in rate, the required amount for a minimum payment, 1.5%或100美元，以更大的为准，永远不变.
房屋净值分期贷款s by United are available on owner occupied dwellings only, 第一及第二居所. They are not eligible if the property is currently listed for sale or draws an income (as a rental or AirBnB). Our 房屋净值 贷款 are available in every state except Hawaii, Alaska, and Texas.
常见问题
A: 在某些情况下, a 房屋净值 installment loan may meet the federal government’s definition of a “Higher Priced 抵押贷款.“在这种情况下, 如果在你的房屋净值分期贷款之前没有第一次抵押贷款, you will be required to establish and maintain an escrow account for payment of taxes and insurance for a minimum of 5 years. 如果贷款被认为是高成本按揭贷款, 法律还要求你进行心理咨询.
In instances where a HELOC application is identified as being a High-Cost 抵押贷款, 该事务不能作为HELOC继续. Instead it can be changed to a 房屋净值分期贷款 or some other loan product, if viable.
A: Home equity 贷款和信贷额度 approvals are valid for 60 days from the credit report date.
A: The amount of your loan or line of credit is determined based on the amount of equity in the house and whether the 合并贷款与价值比率 (CLTV) is over or under 80%.
A: 美联航只提供利息的支付方式. 用传统的HELOC, 你马上开始偿还本金和利息, 月复一月. With an interest-only HELOC, you pay only the monthly interest during the draw period. 一旦取款期结束，你就开始偿还本金. 这通常可以将你的月供金额最小化. 然而, the low payments on an interest-only HELOC could increase significantly once the draw period ends and the repayment for the principal begins.
These interest payments are calculated on the accumulated unpaid interest from the previous month cycle. For example: a February 25th payment would include the accumulated unpaid interest from January 1st-January 31st.
