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Home Equity Line of Credit

用你家里的钱买任何你想要的东西，任何时候你需要——即使是在紧急情况下.

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  4. Home Equity Line of Credit
Home Equity Line of Credit 6-Month Intro Interest Rate 6-Month Intro APR Interest Rate  APR  Points 
Home Equity Line of Credit 5.99% 5.99% 8.50% 8.50% 0.000

利率是基于对信用历史的评估, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. 并不是所有的申请人都有资格获得显示的最低费率. The term is 25 years, 包括10年只付息的提款期和15年本金加利息的还款期, which may increase your monthly payments. 介绍性年度百分比利率(APR)为5%.99%只适用于新的房屋净值信贷额度，并且只适用于前六个月. HELOC modifications, 使用同一物业的续订和增加不被视为新的，也不符合介绍性费率. To receive the Introductory rate, a draw of at least $10,000必须在开户后30天内支付. After the introductory rate expires, 余额将根据《利记》公布的优惠利率加上保证金，按可变年利率收取. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of June 1, 2024, 适用于信用评分在730分以上的借款人, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial将有条件地免除与您的房屋净值信贷额度相关的以下交割费用:洪水认证, title search or title abstract, credit report, recording fees, and a simple valuation. 您可能需要支付其他费用，如税收，以及必要时的评估费. However, 如果您关闭您的房屋净值信贷额度后36个月内，它是开放的, 贵方将被要求按最初豁免的交割费用金额支付提前交割费. These costs vary by state and property type. Elements Financial保留随时修改或终止此优惠的权利. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.

Questions?

我们经验丰富、乐于助人的会员服务团队随时准备为您提供支持!

1-800-621-2105

Live Chat Schedule Appointment with Loan Expert

Home Equity Line of Credit

Put your home to work for upcoming purchases.

KEY FEATURES

  • Introductory rate of 5.99% APR 新的房屋净值信贷额度为6个月，然后低至 8.50% variable APR1
  • 你可以借的金额是基于你在你的房子的权益, up to 90% of the value of the home
  • 无论何时，只要您需要，都可以根据您的需要访问或多或少-直到关闭时建立的信用额度
  • 循环信贷额度为10年提取期-使用，偿还，重复
  • Interest-only payment feature for 10 years
  • No prepayment penalties
  • No annual fee
  • No closing costs

Calculate How Much You Can Borrow

MAY BE A GOOD CHOICE IF

  • 你希望只有在需要的时候才能灵活地使用这些资金
  • 你希望有资金来应对突发事件, such as a new furnace, medical bills, or other major surprise expenses
  • You anticipate major expenses, such as home improvements, new car, tuition, big vacation, second home, or other large-ticket items
  • 你想要合并其他贷款或信用卡的债务

Compare Home Equity Options

使用房屋净值信用额度的快速建议

  • Quick Advice from Elements

    Open New Possibilities with a HELOC

    (1 of 3)

    房屋净值信贷额度开启了新的可能性. From home improvements, to paying for a vacation, 至于大学学费，这个信用额度让你可以随时随地使用它. 观看Julie Bowering，抵押贷款的副总裁，在我们最近的快速建议视频中了解更多的技巧.

    Watch the Quick Advice Video

  • Quick Advice from Elements

    No Better Time Than Now for a HELOC

    (2 of 3)

    There is no better time than now! 我们充分利用您的房屋净值信用额度的秘密是在您不需要的时候设置它. 当你需要资金时，它可以立即使用. Plus, you won’t pay unless you use it. 观看Julie Bowering，抵押贷款的副总裁，在我们最近的快速建议视频中了解更多的技巧.

    Watch the Quick Advice Video

  • Quick Advice from Elements

    Start Today for Free with a HELOC

    (3 of 3)

    Why not start now? 房屋净值信用额度与要素成本不设置. 我们使这个过程快速而简单，最重要的是……免费! 在大多数情况下，您在前六个月将享受免费和介绍性费率. 观看Julie Bowering，抵押贷款的副总裁，在我们最近的快速建议视频中了解更多的技巧.

    Watch the Quick Advice Video

那么，房屋净值信贷额度(HELOC)到底是什么呢??

A woman woodworking to improve her home

A Home Equity Line of Credit, also known as a HELOC, 允许你用你的房子做抵押来贷款.

What is “Equity”?

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. 

How a Line of Credit Works

您可以根据需要从HELOC中获取或多或少的信息, whenever you need it, up to the credit limit established at closing. 就像信用卡一样，你可以根据自己的消费限额随时借款, HELOC让你可以灵活地以房屋净值为抵押贷款, repay and repeat.

您可以在利记轻松地从您的HELOC转账到您的Elements支票账户. Elements还将提供Equity Access Visa®卡和支票，您可以使用这些卡轻松地直接使用HELOC资金进行购买.

There are two phases to a HELOC:

  • 提款期:您可以从信用额度中借款的最初10年.
  • 还款期:15年后，当你偿还借款加上利息与固定利率贷款.

Interest-Only Feature

在信贷额度的前10年，只支付利息. After this time, 借款金额转换为固定的贷款支付结构，以便在未来15年内支付全部余额和利息.

Get Started

更喜欢可预测的每月付款保持不变，而不是一次性付款? Consider a Home Equity Loan.

Can I really use it on anything I want?

A college graduate looking really happy

Yes, you really can! 您可以使用Elements房屋净值信贷额度(HELOC)来支付主要费用，例如:

  • Home improvements
  • 大学(偿还学生贷款或直接支付学费)
  • That big vacation
  • A new car
  • A second home
  • Medical bills
  • Debt consolidation
  • Unexpected emergencies
  • It's up to you! 

Apply for a HELOC

告诉我更多关于10年只付息的付款…

Friends on a boat in a remote part of the world

一个要素房屋净值信用额度(HELOC)允许你支付 只需支付长达10年的利息成本，而无需偿还贷款余额. Then the balance converts to a 15-year loan, and you must begin making payments, 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.

只付利息的功能让你在最初的期限内每月支付的费用很低，可以释放现金流，这样你就可以选择如何以及何时花钱.

例如，您的HELOC余额为10,000美元，您每月只需支付约10美元的利息.

Apply for a HELOC

HELOC与其他主要采购选择相比如何?

There are benefits and trade-offs to all loans, 尤其是在支付主要开支的时候. If you own your home, 房屋净值信贷额度通常是最灵活和负担得起的选择，用于家庭装修等重大购买, paying for college, or even a big vacation.

在下面的图表中比较不同类型的贷款产品，以确定哪种最适合您的需求. As always, 您在Elements的支持团队随时准备帮助您找到最适合您的产品，请致电我们 1-317-542-5055.

  Home Equity Line of Credit Home Equity Loan Personal Unsecured Signature Loan Platinum Visa Credit Card
What It Is

Borrow funds using the equity in your home

循环信贷额度为10年提取-使用，偿还，重复

Borrow funds using the equity in your home

Loan for a set amount

Borrow money without using collateral

Loan for a set amount

Borrow money without using collateral
Key Benefits

Lowest interest rate

Fixed monthly payments

Fixed monthly payments

$200 Cash Bonus2
APR

Intro APR for 6 months: 5.99%

6个月后的可变年利率:低至8.50%

10-year fixed: 8.777%

15-year fixed: 8.977%

4-year fixed: 9.84%

Intro APR for 6 months: 0%

Variable APR after 6-month intro period: 14.24%
一个很好的选择，为重大或意外购买，如果你

Own your home

想要在需要的时候灵活地使用资金

Want a lower payment

Own your home

Want money upfront in a lump sum single payout

Want a locked-in fixed interest rate

想要可预测的月供保持不变

Don't own your home

想要可预测的月供保持不变

Don't own your home

有办法马上还清你的余额吗
Can Use It For

Anything! Purchases such as:

- Unexpected emergencies
- Home improvements
- College
- That big vacation
- A new car
- A second home
- Debt Consolidation

Best for purchases such as:

- Planned home improvement projects
- College
- A second home
- Debt consolidation

Consolidating loans

Paying off credit cards

Anything!

Best for smaller, everyday purchases
No Prepayment Penalties
No Annual Fee
Available Amounts

Whatever your available equity is in your home

Whatever your available equity is in your home

Borrow up to $25,000, based on credit rating

Borrow up to $25,000 based on credit rating

Should I apply even before I need the money?

一名拄着拐杖的男子在医院与他的医生交谈

Sure! 你的家可以作为一个安全网，当生活抛给你一个曲线球:你的炉子熄灭了, you have unplanned medical bills, someone loses a job, 你的汽车修理费超出了你的预期——你懂的. If you’ve already secured a HELOC, 你会为这些紧急情况做好准备，因为你可以立即从你的信用额度中提取资金. 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, yes, 通过主动申请Elements HELOC来利用你最大的优势是个好主意.

Get Started

What are the fees?

An older couple hugging outside their RV

There are no closing costs, prepayment penalties, 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.

How do I access the HELOC funds?

一对夫妇正在装修房子

您可以通过在线银行将资金从您的HELOC账户转移到您的Elements支票账户，轻松轻松地访问您的股权. Elements还将提供Home Equity Access Visa®卡和支票，您可以使用这些卡和支票轻松地直接使用HELOC资金进行购买.

您可以根据需要从HELOC中获取或多或少的信息, whenever you need it, up to the credit limit established at closing. 就像信用卡一样，你可以根据自己的消费限额随时借款, HELOC让你可以灵活地以房屋净值为抵押贷款, repay, and repeat.

元素金融是否提供债务合并贷款?

一对夫妇在阳光明媚的日子里在他们的船上享受时光.

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(见本页信息)可用于此目的. 大多数成员可以选择的其他选项包括 Personal Loans, Home Equity Loans, or even a first mortgage refinance with a debt consolidation option.

Why should I go to Elements for my HELOC?

A woman withdrawing money from an ATM

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

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 personalized guidance about your HELOC.

Respected Locally. Accessed Globally.

自1930年以来，我们的总部设在印第安纳波利斯，在全国信用合作社中排名前3%3. 我们为所有50个州和50多个国家的会员提供服务. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

High Tech. Human Touch.

我们的技术使使用Elements进行银行业务变得简单. 从快速的数字应用程序到在线和移动银行，无论您走到哪里，我们都会在您身边. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.

Get Started

How do I apply?

Screenshot of Elements online application

3 Easy Steps to Apply

  1. Apply online - 你可以在短短10分钟内在线申请! Submit your application anytime Or call 1-800-561-9433 to get started. 你的身份证(驾照)准备好了吗, state ID, 或护照)和你的家庭收入估计, assets, home value and price you paid for your home.
  2. Take our call - 我们将在您提交申请后的一个工作日内与您联系，查看我们需要哪些文件并回答您的问题.
  3. Schedule your closing - 我们将在10个工作日内与您联系，并在您方便的地点安排关闭，如果批准. That's it — your line of credit is open!

Apply Now

我最近发现，我可以用我的房屋净值来做更多的事情，而不仅仅是改善房屋, 所以我丈夫和我拿出HELOC来支付我们儿子的一部分大学学费. The great rate is saving us a ton of money!

- Patty S. | Member since 2001

How Much Can I Borrow From My Home Equity?

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  1. 1 利率是基于对信用历史的评估, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. 并不是所有的申请人都有资格获得显示的最低费率. The term is 25 years, 包括10年只付息的提款期和15年本金加利息的还款期, which may increase your monthly payments. 介绍性年度百分比利率(APR)为5%.99%只适用于新的房屋净值信贷额度，并且只适用于前六个月. HELOC modifications, 使用同一物业的续订和增加不被视为新的，也不符合介绍性费率. To receive the Introductory rate, a draw of at least $10,000必须在开户后30天内支付. After the introductory rate expires, 余额将根据《利记》公布的优惠利率加上保证金，按可变年利率收取. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of June 1, 2024, 适用于信用评分在730分以上的借款人, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial将有条件地免除与您的房屋净值信贷额度相关的以下交割费用:洪水认证, title search or title abstract, credit report, recording fees, and a simple valuation. 您可能需要支付其他费用，如税收，以及必要时的评估费. However, 如果您关闭您的房屋净值信贷额度后36个月内，它是开放的, 贵方将被要求按最初豁免的交割费用金额支付提前交割费. These costs vary by state and property type. Elements Financial保留随时修改或终止此优惠的权利. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.
  2. 2 信用卡相关$200现金奖励价值优惠 -要求至少10次卡购买交易，合计至少净$1,在信用卡批准后的90天内，将一次性获得200美元的对账单信用. 对账单信用不会减少你的月供. If the account is closed within six months, 届时，我们保留将对账单贷方的金额重新计入您的账户余额的权利. Secured Credit Card excluded. 现有或以前的element信用卡持有人不符合资格.  /报价须经信贷审批，并可能须课税. 元素保留在任何时候修改或停止提供的权利. Additional terms and conditions may apply. 请在达到资格要求后的4-6周内收到对帐单. 产品优惠不能与同一产品的其他促销优惠结合使用. One offer per household.
  3. 3 Based on asset size as of 12/31/2022.