以下是引用doze在2008-12-15 15:37:00的发言：

mm你到底哪里不明白啊？其实我是这方面的菜鸟，以己昏昏，使人昭昭

 

 

以下是引用xyin在2008-12-15 15:48:00的发言：

你的到底是HELOC还是home  equity loan?

如果是前者我还没有听到可以fixed ...

以下是引用doze在2008-12-15 15:50:00的发言：

我一直说的是home equity line啊。 说实话我还在纳闷这个heloc是个什么咚咚，

 

刚开始还以为是home equity line的缩写呢。

 

以下是引用doze在2008-12-15 15:32:00的发言：

这么算吧，假如借35万，3.5%利率的话，一个月还1000块，当然还得自己交保险等。

 

可如果mortgage 利率5.5%的话，本金加利息加保险一个月就是两千多块了。

 

我们大概一个月能省1000过一点吧。

以下是引用xyin在2008-12-15 16:31:00的发言：

Home equity line of credit （HELOC)
home equity loan

你的是前者还是后者？前者一般是浮动的， 后者有fixed rate。

==
补充， 我简单查了一下， 好像现在HELOC有固定利率， 具体怎样不知道。

Wells Fargo Home Equity Account
RatesVariable, with fixed-rate option<sup>2

2</sup> There is no limit on the maximum amount of a fixed rate advance taken at origination (up to your credit limit). The minimum fixed rate advance amount is $10,000. After account opening, additional fixed rate advances may not exceed $250,000 of the aggregate principal balance or your credit limit, whichever is less. You may request up to 2 fixed rate advances each year with up to 3 fixed rate advances at one time. Interest-only fixed rate advances have a term of 1 to 5 years. Amortized fixed rate advances have a term of 5 to 30 years, depending on the amount advanced; except that for Texas homestead secured accounts, the term is 1 to10 years.