home equity loan 现在利息7-8%， 好羡慕哪儿搞得到的3.5%？ 我搬到楼主MM那个town去。。。

另外我要多交几个可以一下子借给我4，5十万的朋友

[此贴子已经被作者于2008-12-14 15:39:49编辑过]

你们这个local bank, 最好check 一下现在的股票走势， 恐怕要go under.

HELOC可以减税的

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 ...

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.

[此贴子已经被作者于2008-12-15 16:45:02编辑过]

 我们开的HELOC没有这个fixed option
我们是Prime,现在prime是4%
prime 变， 我们好像也变。。

MM这个fixed 这么多年真的很划算。 能不能把你的bank 名字PM给我呢？

现在这个市场很乱呀， 这个
http://www.thirdfederal.com/

Prime -1.01%   Prime -.51%

2.99% 3.49%

2.99% 3.49%

None None

$50,000 & Up Up to $49,999

Rates  Info Rates  Info