1 房屋净值贷款和信用额度仅适用于加州的主要住宅. 9.00%年利率(年化百分率)和其他显示的条款是准确的，截至2024年10月5日，适用于CLTV最合格申请人的HELOC，最高可达80%. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. 最低分期付款是头十年只付利息(“提款期”)，然后在最后15年全额分期偿还余额. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, 你的月供将会增加，因为你将同时支付本金和利息. The rate is calculated using an index plus a margin. 所使用的指数是变动前一个月最后一个工作日《太阳集团平台》西部版公布的最优惠利率. The current prime index is 8.50%. Minimum interest rate is 3%. Maximum interest rate is 17%.
2 Rate and payments are based on Prime plus a margin. Changes to Prime will result in changes to the rate and payment. After your loan closes, 您可以选择将您的部分或全部现有股本余额锁定在新的Patelco房屋净值信贷额度上，以10年或15年的固定利率锁定. Rates may vary and are subject to change. 你可能只有一个固定利率的选择，要么全部或部分余额在同一时间. 你的固定利率余额将减少可用于未来提取股本额度的信贷金额. 任何未来的抽奖将在可变利率和支付在抽签时对你的贷款生效. 您将收到一份单独的对账单，并为您余额中的固定利率部分单独支付本金和利息. The maximum term available for a fixed rate option is 15 years. Other restrictions may apply.
3 Patelco运行一个“软”信贷拉动来确定你符合资格预审的条件. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco将要求您从一个或多个信用报告机构获得完整的信用报告. This will be a “hard” pull and may affect your credit. If necessary, we may also share certain information about you with third parties, like our insurers, to process your request.
4 0.50% HELOC rate discount available after loan funds. 满足并保持持续的折扣资格，设置自动贷款支付和每月500美元的定期存款到Patelco账户. Additional conditions may apply. Speak to a Home Loan Consultant for more details.
5 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union将按惯例支付最高250美元的结算费用,000 (excludes ADU Home Equity Line of Credit). If your Account is opened under the “No Closing Cost” loan program, 不收取贷款费用，也不收取惯例成交费用，包括:用于确定物业价值的自动估值模型(AVM), Lender’s title insurance, courier, points, wire fees, notary, escrow fee, recording of Patelco documents, flood certification, credit report, loan origination, or tax service. 如果所述服务是通过我们首选的服务提供商进行的，则Patelco Credit Union将仅支付这些列出的费用. If conditions for the “No Closing Cost” program are not met, including the use of service providers associated with the program, 那么，您将负责任何相关的成交费用，而这些费用将不会由Patelco Credit Union支付. The “No Closing Cost” program does not include extraordinary items, 包括但不限于以下内容:住宅房地产估价, additional credit reports for the same loan transaction, grant deeds and any associated notary or recording fees, missed appraisal appointments or ‘trip charges’, solar lift or termination, and any fees to close another account as the result of this Account. Borrower is responsible for closing costs over $250,000. Closing costs range from $0 to $2,500. This offer does not include escrow or recording fees, or additional notary fees that may result from changes in title, vesting or notary appointments.
Read the HELOC Program Disclosure.
