P***a 发帖数: 774 | 1 假设新买的房子是50万, 首府10万,刚开始付mortgage
如果我做HELOC,最多银行能给我多少钱呢?
thanks | s**********d 发帖数: 36899 | | y**i 发帖数: 1471 | 3 现在很难。。。
【在 P***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 假设新买的房子是50万, 首府10万,刚开始付mortgage : 如果我做HELOC,最多银行能给我多少钱呢? : thanks
| s********e 发帖数: 893 | 4 据我刚刚了解的,你房子的equity只有房子value的20%。你一分都借不到。 | P***a 发帖数: 774 | 5 Thanks,刚刚和银行聊了一下
了解到的如下:
Because your desired loan amount plus your current mortgage balance cannot e
xceed 80.00% of your home's purchase price the first 6 months, your maximum
loan amount is less than $10,000. This amount is not eligible for a Home Equ
ity loan. Once you are in the home for 6 months we can look at the value in
stead of the purchase price
第一次买房,6个月后就可以做HELOC了
这样相当于开了一张信用卡,可以定期的借钱.
【在 s********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 据我刚刚了解的,你房子的equity只有房子value的20%。你一分都借不到。
| s**********d 发帖数: 36899 | 6 shop around,不同bank不一样。
e
maximum
Equ
in
【在 P***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Thanks,刚刚和银行聊了一下 : 了解到的如下: : Because your desired loan amount plus your current mortgage balance cannot e : xceed 80.00% of your home's purchase price the first 6 months, your maximum : loan amount is less than $10,000. This amount is not eligible for a Home Equ : ity loan. Once you are in the home for 6 months we can look at the value in : stead of the purchase price : 第一次买房,6个月后就可以做HELOC了 : 这样相当于开了一张信用卡,可以定期的借钱.
| y**i 发帖数: 1471 | 7 前提是6个月后房子涨价了。涨500,你的heloc就500。。。。
e
maximum
Equ
in
【在 P***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Thanks,刚刚和银行聊了一下 : 了解到的如下: : Because your desired loan amount plus your current mortgage balance cannot e : xceed 80.00% of your home's purchase price the first 6 months, your maximum : loan amount is less than $10,000. This amount is not eligible for a Home Equ : ity loan. Once you are in the home for 6 months we can look at the value in : stead of the purchase price : 第一次买房,6个月后就可以做HELOC了 : 这样相当于开了一张信用卡,可以定期的借钱.
| P***a 发帖数: 774 | 8 yes, I will do, thanks man
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : shop around,不同bank不一样。 : : e : maximum : Equ : in
| P***a 发帖数: 774 | 9 6个月你付的mortage里面有本金,也可以做HELOC
【在 y**i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 前提是6个月后房子涨价了。涨500,你的heloc就500。。。。 : : e : maximum : Equ : in
| e********e 发帖数: 148 | 10 我还是等6个月再说吧。。
e
maximum
Equ
in
【在 P***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Thanks,刚刚和银行聊了一下 : 了解到的如下: : Because your desired loan amount plus your current mortgage balance cannot e : xceed 80.00% of your home's purchase price the first 6 months, your maximum : loan amount is less than $10,000. This amount is not eligible for a Home Equ : ity loan. Once you are in the home for 6 months we can look at the value in : stead of the purchase price : 第一次买房,6个月后就可以做HELOC了 : 这样相当于开了一张信用卡,可以定期的借钱.
| y**i 发帖数: 1471 | 11 房价下降的可能也很大。
【在 P***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 6个月你付的mortage里面有本金,也可以做HELOC
| M***8 发帖数: 668 | 12 嗯,我家就是快6个月时老被银行财务公司电话骚扰,推销heloc.
e
maximum
Equ
in
【在 P***a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Thanks,刚刚和银行聊了一下 : 了解到的如下: : Because your desired loan amount plus your current mortgage balance cannot e : xceed 80.00% of your home's purchase price the first 6 months, your maximum : loan amount is less than $10,000. This amount is not eligible for a Home Equ : ity loan. Once you are in the home for 6 months we can look at the value in : stead of the purchase price : 第一次买房,6个月后就可以做HELOC了 : 这样相当于开了一张信用卡,可以定期的借钱.
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