以下是引用doze在2008-12-13 21:08:00的发言：

thanks. I know it's too good to be true,but it's true.

以下是引用doze在2008-12-14 12:17:00的发言：

是先借钱pay off mortgage, 然后开home equity line, 借出来的一部分钱再还给朋友.

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.

以下是引用doze在2008-12-15 18:17:00的发言：

 

 

没错，我是没有算上本金。我的意思是，现在每个月必须付的钱比以前少了1000以上，

 

这样的经济形势，谁知道在这个房子里还要住多久，不付本金光交这么低的利息挺划算的啊。

 

我说的20几万是指借朋友的钱，不是总额。

以下是引用doze在2008-12-15 18:20:00的发言：

各位mm有没有查查second mortgage的rate，我们有些朋友把所有的first mortgage转成second mortgage,

做的4.5% fixed 20 years,也算是不错的了。