有关HELOC的文章

楼主
楼主
哈法

哈法

知名园友
2008-03-25
18,340
37,108
10 天前
#61
没人占银行便宜 交利息的
好像没有那么简单。
A draw period is the amount of time you can withdraw funds from a credit account through a home equity line of credit. For instance, a 10-year draw period allows you to withdraw money for a period of 10 years. After the draw period ends, you are responsible for repaying the loan.
 
楼主
楼主
哈法

哈法

知名园友
2008-03-25
18,340
37,108
10 天前
#62
俺瞎想,关于用HELOC养老下面的算法对不对?

假设到了65岁你已经换完贷款,你的房子价值200万,你可动用的HELOC =200 x 80% =160万
你每年取出8万用和还利息(4%),8 x 20年 =160万,这160万总共付利息 = 67万,你可用于生活补贴钱约100万
20年后你的房子价值假设400万(5%增长)卖掉,还掉HELOC160万,还剩240万留个孩子。。。
好像没有那么简单。
A draw period is the amount of time you can withdraw funds from a credit account through a home equity line of credit. For instance, a 10-year draw period allows you to withdraw money for a period of 10 years. After the draw period ends, you are responsible for repaying the loan.
 

duxu

园友
2010-08-21
480
555
10 天前
#63
占银行的便宜?别做梦了!银行对市场数据的撑握和分析远远高于我们. 既然利率上涨了, 那么风险也就提高了, 为了保证银行运营的质量, 收紧贷款政策很正常.
 

未尝不可

知名园友
2015-11-01
17,019
21,843
10 天前
#64
好像没有那么简单。
A draw period is the amount of time you can withdraw funds from a credit account through a home equity line of credit. For instance, a 10-year draw period allows you to withdraw money for a period of 10 years. After the draw period ends, you are responsible for repaying the loan.
找到细节了,

Term of a Home Equity Line of Credit
  • Typically a 5-10 year draw period
  • Where you can make interest-only payments
  • Followed by a 10-20 year repayment period
  • Where you must pay back principal and interest
A HELOC normally has a 25-year term, with a draw period and a repayment period. The draw is typically the first 5 to 10 years, followed by the repayment period of 10 to 20 years.
During the draw period, the homeowner can borrow as much as they’d like within the line amount, and can make interest-only payments on the amount drawn upon. There is usually a minimum payment, just like a credit card.
After the draw period, the borrower must pay off the principal of the HELOC, along with the interest. This period is known as the repayment period.
Usually the loan balance is broken down into monthly payments, but there could also be a balloon payment because of the way the loan amortizes. Also note that some HELOCs don’t have a repayment period, so full payment is simply due at the end of the draw period.