房屋净值信贷额度(HELOC)

¹ 房屋净值 loans and lines of credit are available on California primary residences only. 9.4月00% (annual percentage rate) and other terms shown are accurate as of 06/18/2024 and apply to a HELOC for the most qualified applicant at CLTV up to 80%. Not all applicants will qualify for the lowest rate. 费率因物业价值而异, 行量等因素, and will vary for second or vacation homes. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final fifteen years. No draws will be allowed during the repayment period. 付款和利率可以按月调整. Payments will increase if rates increase. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. 当前质数指数是8.50%. 最低利率是3%. 最高利率为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, you have the option to lock in a portion or all of your existing equity balance on your new Patelco 房屋净值 Line of 信贷 into a fixed rate at 10 or 15 years. 利率 may vary and are subject to change. You may only have one fixed-rate option on either all or a portion of your balance at a time. Your fixed rate balance will reduce the amount of available credit for future draws on your equity line. Any future draws will be at the variable rate and payment in effect on your loan at the time of the draw. You will receive a separate statement and make separate principal and interest payments for the fixed-rate portion of your balance. The maximum term available for a fixed rate option is 15 years. 可能会有其他限制.

³ Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full 信用报告 from one or more 信用报告ing agencies. 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. Meet and maintain ongoing discount eligibility with set up of automatic loan payments and monthly recurring deposits of $500 into a Patelco account. 附加条件可能适用. 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 will pay customary closing costs on lines up to $250,000 (excludes ADU 房屋净值 Line of 信贷). If your Account is opened under the “No Closing Cost” loan program, there will be no lender fee and no charge for customary closing costs including: 汽车mated Valuation Model (AVM) to determine property value, 出借人产权保险, 快递, 点, 线的费用, 公证, 托管费用, Patelco文件的记录, 洪水认证, 信用报告, 贷款发放, 或者是税务服务. Only these fees listed will be paid by 帕特尔科信用合作社 if the stated services are conducted through our preferred service providers. If conditions for the “No Closing Cost” program are not met, including the use of service providers associated with the program, then you will be responsible for any associated closing fees which will not be paid by 帕特尔科信用合作社. The “No Closing Cost” program does not include extraordinary items, including but not limited to the following: residential real estate appraisals, 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, 授予或公证任命.

读了 HELOC项目披露.