房屋净值贷款和信用额度(HELOC)

¹ 9.4月00% (annual percentage rate) and other terms shown are accurate as of 07/01/2024 and apply to a HELOC for the most qualified applicant at CLTV up to 80%. 并不是所有的申请人都有资格享受最低利率. 费率因物业价值而异, 行量等因素, 第二套或度假屋的价格会有所不同. 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. 在还款期间，恕不提款. 付款和利率可以按月调整. 如果利率上升，支付金额也会增加. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. 汇率是用指数加保证金计算的. The index used is the Prime 率 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 8.4月219% (Annual Percentage 率) and other terms shown are accurate, as of 07/01/2024. 每年的固定利率为8%.219% is available for 10-year second position home equity installment loans with loan-to-value (LTV) of 80% or less. 贷款还款示例:贷款120个月，8月.219%年利率假设没有首付款，每月付款将是607美元.00. 贷款期限为10个, 15, or 20 years; however, the monthly payment amount may differ from the example used above based on the loan amount and loan term selected. 付款 example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these Items is established. 贷款审批取决于信贷审批和项目指导方针. 利率s and program terms are subject to change without notice. Property insurance and the fee to release an existing mortgage may be required. 固定利率房屋净值贷款是不可用的第一留置权位置. 房屋净值贷款 and lines of credit are available on California primary residences only.

³ 房屋净值 loans and lines of credit are available on California properties only. 10.4月00% (annual percentage rate) and other terms shown are accurate as of 07/01/2024 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. 并不是所有的申请人都有资格享受最低利率. 只适用于主要住宅. 费率因物业价值而异, credit score, 行量等因素. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. 在还款期间，恕不提款. 付款和利率可以按月调整. 如果利率上升，支付金额也会增加. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. 汇率是用指数加保证金计算的. The index used is the Prime 率 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%.

⁴  May vary depending on current appraised value, creditworthiness and existing liens on property.

⁵ 费率和付款是基于Prime加上保证金. 对Prime的更改将导致费率和付款的更改.

⁶ 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(不包括ADU房屋净值信贷额度). 如果您的帐户是在“无结算成本”贷款计划下开立的, there will be no lender fee and no charge for customary closing costs including: 汽车mated Valuation Model (AVM) to determine property value, 出借人所有权保险, 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. 如果不符合“无交割成本”计划的条件, 包括使用与该计划相关的服务提供商, 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. “无交割成本”计划不包括特别项目, including but not limited to the following: residential real estate appraisals, 同一贷款交易的附加信用报告, 授予契约和任何相关的公证费或记录费, 错过评估预约或“差旅费”, 太阳能提升或终止, 以及因本帐户而关闭另一个帐户的任何费用. 借款人负责超过25万美元的成交费用. 成交费用从0美元到2500美元不等. 此报价不包括托管或录音费用, 或因所有权变更而产生的额外公证费, 授予或公证任命.

⁷ Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. 这不会影响你的信用评分. 如果您选择继续进行贷款申请, Patelco will request your full 信用报告 from one or more 信用报告ing agencies. 这将是一个“硬”拉，可能会影响你的信用. 如果有必要的话, 我们也可能与第三方分享您的某些信息, 比如我们的保险公司, 处理您的要求.

读了 HELOC项目披露.

读了 ADU HELOC计划披露.