拥有房屋净值的房主可以将其用作循环信贷，并在使用房屋净值信贷额度时以其为抵押借款, otherwise referred to as a HELOC. 获得HELOC很容易，当你需要以优惠的利率快速获得资金时，它可以派上用场.
 
什么是房屋净值?
房屋净值是你房屋的当前市场价值减去你所欠的金额. 例如, let’s say your home appraised value is $200,000，你有80美元,000 that you still owe on the mortgage. In this case, you have $120,000 in home equity ($200,000 - $80,000). Not sure what the value of your home is? When you apply for a HELOC at Arbor Financial, 申请过程将包括房屋估价，它将告诉您房屋当前的大致市场价值.

在Arbor Financial, 你可以用你的房屋净值获得10美元起的信用额度,000 and borrow against it, 类似于信用卡, only at much lower interest rates than a credit card. You can take advances from your HELOC as often as you’d like, and there are no restrictions on how you spend the money!
 
Here are 7 common uses for your home equity line of credit (HELOC):
1. 支付房屋改善费用.
One of the more popular uses of a HELOC is for home improvements, 而那些能让你的房子增值的东西，让你使用HELOC变得物有所值. 只是要注意哪些项目会真正增加你的房子的价值，哪些项目可能不会. 新油漆, 地毯, 厨房的改进都是能产生增值的项目, whereas a new pool may not. Or, 也许你打算在房子里住一段时间，只是希望通过购买新家具使它更舒适、更有吸引力.

2. Pay off credit cards or other higher interest debt.
Debt consolidation is another common use of home equity. If you have credit card debt, 那么你支付的利息很可能是HELOC的两到三倍. 根据… WalletHub研究截至2021年7月，美国信用卡的平均利率为14%.61% - 18.04%. Rolling your credit card debt into a HELOC could save you hundreds, if not thousands of dollars, 兴趣.

You must also be cautious when using your HELOC for debt consolidation. 有一个可靠的债务整合计划并坚持下去是关键. 评估一下为什么你有这么多的信用卡债务，以及如何避免增加债务.

3. 支付教育费用.
使用HELOC来帮助支付教育费用是学生贷款的另一种选择. Before tapping into your home's equity, evaluate all your lending options to help pay for education, including terms and interest rates.

4. 安排假期.
生活在密歇根州, you know all about the craving for vacations, especially during the long winter months. 如果你必须借钱去度假，那么利用你的HELOC是一个选择. 大多数金融专家都认为，将房屋净值用于度假是不明智的, 如果你没有适当的计划，你可能会发现自己陷入麻烦. 然而，有了一个可靠的还款计划，它可以是一个非常方便的选择.

5. 支付医疗费用.
Medical expenses can be high, even with insurance. Using your low interest HELOC may be a good choice. 在大多数情况下, 你会发现HELOC的利率是最具竞争力的，因为你是从自己的房屋净值中借款. 然而，在支付医疗费用时，回顾一下你的选择是有意义的.

6. Use as a down payment for a second home.
Ah, so you want a second home, 度假屋, 湖边的小屋, or someplace remote in the woods for that annual hunting trip? 利用你第一套房子的资产可能正是你所需要的，帮助你为第二套房子融资. Before you start to tap into that equity though, 你可能想与Arbor金融抵押专家讨论获得第二套住房的最佳策略.  在Arbor Financial, 我们有几个抵押贷款的选择，以帮助您进入您的第一或第二家低至没有首付的选择，同时避免私人抵押贷款保险.

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7. Use as a down payment for rental investment property.
利用你的股权可能是一个完美的解决方案，在租赁投资物业上获得很大的交易. You could use it as a down payment, 或者在很多情况下, you could possibly fund the entire purchase with your HELOC. Like any other property purchase, it makes sense to talk to a professional about your lending options.
 
How to Get a 首页。 Equity 信贷额度
无论您是在Arbor Financial还是其他地方持有第一笔抵押贷款，您都可以申请HELOC. 你可以选择从1万美元的信用额度开始借款，为期10年. 这意味着你可以在任何时间以你批准的任何金额提取你的资金，只支付提取金额的利息. Arbor Financial不收取HELOC的年费，也不收取申请费. However, some closing costs may apply.

Once you apply for a HELOC, a lending specialist will arrange for a home appraisal or home valuation, which will determine your home's market value. Once approved, you will have access to your home equity line of credit! 今天就开始吧 安排约会 与我们 网上申请，或者打电话 269.544.3105.