房屋净值信贷额度

房屋净值信贷额度, 也被称为HELOC, 允许你用你的房子做抵押来贷款.

何谓“公平”??

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. 

信用额度是如何运作的

您可以根据需要从HELOC中获取或多或少的信息, 当你需要的时候, 以结算时确定的信用额度为限. Much like a credit card that allows you to borrow against your spending limit as often as needed, HELOC让你可以灵活地以房屋净值为抵押贷款, 回报并重复.

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:您可以从信用额度中借款的最初10年.
• 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

在信贷额度的前10年，只支付利息. 在这之后, 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，而不是一次性付款? 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)
• 那个大假期
• 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
• 这取决于你! 

申请HELOC

一个要素房屋净值信用额度(HELOC)允许你支付 only the interest costs for up to 10 years without having to pay down your loan balance. 然后余额转换为15年期贷款, 你必须开始付款, 包括偿还债务的利息和本金, 或申请新的HELOC，如果你的房屋仍有权益.

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

所有的贷款都有利有弊, 尤其是在支付主要开支的时候. 如果你拥有自己的房子, a 房屋净值信贷额度 is often the most flexible and affordable option for major purchases like home improvements, 支付大学学费, 甚至是一个大假期.

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 1-317-542-5055.

确定! Your home can act as a safety net for those times when life throws you a curveball: your furnace goes out, 你有计划外的医药费, 有人丢了工作, 你的汽车修理费超出了你的预期——你懂的. 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. 当然，你不会有任何东西需要偿还，直到，或者如果，你从HELOC提款. 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

没有结案费, 预付处罚, 或者是与房屋净值信贷额度相关的年费.

根据贷款的价值和资产净值，可能需要支付评估费.

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 a 房屋净值 Access Visa® card and checks that you can use to easily make purchases directly with your HELOC funds.

您可以根据需要从HELOC中获取或多或少的信息, 当你需要的时候, 以结算时确定的信用额度为限. Much like a credit card that allows you to borrow against your spending limit as often as needed, HELOC让你可以灵活地以房屋净值为抵押贷款, 偿还, 和重复.

我们确实提供合并贷款来合并账单和偿还其他债务. 房屋净值信贷额度 (see information on this page) can be used for that purpose. 大多数成员可以选择的其他选项包括 个人贷款, 房屋净值贷款甚至是第一次 抵押贷款再融资 有一个债务合并选项.

像银行一样，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, 更高的储蓄率和更低的贷款利率.

可信的建议. 新鲜的方法.

我们以成为值得信赖的金融教育机构而自豪. 我们来您的工作场所回答问题，并可以为您提供 关于您的HELOC的个性化指导.

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. 我们为所有50个州和50多个国家的会员提供服务. 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业务变得简单. 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个简单的步骤应用

1. 在线申请 - 你可以在短短10分钟内在线申请! 随时提交您的申请或致电 1-800-561-9433 开始吧. 你的身份证(驾照)准备好了吗, 状态标识, 或护照)和你的家庭收入估计, 资产, 房屋价值和你为房屋支付的价格.
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. 安排收盘时间 - 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