w**7
发帖数: 1265 | | j***e
发帖数: 2428 | 2 bing
【在 w**7 的大作中提到】
: 哪个大牛给说说？
| c****o
发帖数: 32446 | | a******o
发帖数: 7982 | 4 然后就想credit card样,比如loan出来10 万,就相当10 万的limit,你要用呢,就付利息
,不用呢,就有那个line limite在那里.
【在 c****o 的大作中提到】
: 就是拿房子抵押换笼
| c******l
发帖数: 502 | 5 Wrong, you are talking about the line of credit
Home equity loan is a loan, we also call it cash out. If your existing loan
balance is $100,000, you apply for the new loan amount $200,000, you will
get cash back after closing: 200000-100000-closing cost
【在 a******o 的大作中提到】
: 然后就想credit card样,比如loan出来10 万,就相当10 万的limit,你要用呢,就付利息
: ,不用呢,就有那个line limite在那里.
| s**********d
发帖数: 36899 | 6 wrong，你在说refi。
loan
will
【在 c******l 的大作中提到】
: Wrong, you are talking about the line of credit
: Home equity loan is a loan, we also call it cash out. If your existing loan
: balance is $100,000, you apply for the new loan amount $200,000, you will
: get cash back after closing: 200000-100000-closing cost
| d******n
发帖数: 2712 | 7 在我看来，Home equity loan (HELOC；home equity line of credit)跟mortgage，或
是cash out是不一样的。一般作为2nd lien出现。
我比较赞同类似信用卡，用房产抵押开一条line，有上限，借钱则产生利息，如果不借
钱，一般也需要3年左右才能关掉，否则有penalty。
如果有mortgage，又有HELOC，在做refi的时候比较麻烦，2nd lien要做subordination
，一两百刀的手续费，还需要时间等2nd lien的银行去批。2nd lien的银行不批的话，
refi都没办法做。如果总的LTV比较高，还会影响refi的rate。
Cash out refi也可以达到取钱出来的目的，具体哪个划算，要看利息了。另外，就算
房子上一个lien都没有，最多可以cash out出60%的钱。HELOC最多能拿出多少就不清楚
了，因为俺们不做HELOC。。。如果当地有PNC bank的话，可以去问一下，从做
subordination的难易程度上看，PNC的HELOC业务比较成熟。
loan
【在 c******l 的大作中提到】
: Wrong, you are talking about the line of credit
: Home equity loan is a loan, we also call it cash out. If your existing loan
: balance is $100,000, you apply for the new loan amount $200,000, you will
: get cash back after closing: 200000-100000-closing cost
| p****h
发帖数: 21 | 8 You guys got to differentiate home equity loan from home equity line of
credit.
Home equity loan is just like costco said while aiyoaiyo is right on home
equity line of credit.
For people with discipline, home equity line of credit provides more
flexibility. I recommend most old center to have HELOC as emergency fund.
Also, if housing really collapses, you don't need me to teach you what to do
, do you :) |
|
