المالية
حاسبة HELOC
احسب حد ائتمان حقوق ملكية منزلك ودفعاتك.
كيفية الاستخدام
- Enter your home value and outstanding mortgage balance.
- Your lender's LTV limit determines your maximum credit line (usually 80–85% of home value minus mortgage).
- Enter the amount you plan to borrow and the HELOC rate.
- During the draw period (typically 10 years) you pay interest only.
- During the repayment period you pay principal + interest like a normal loan.
الصيغة
Max Credit Line = (Home Value × LTV%) − Mortgage Balance
Draw Payment = Balance × (Rate ÷ 12)
Repay Payment = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
Draw Payment = Balance × (Rate ÷ 12)
Repay Payment = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
A HELOC (Home Equity Line of Credit) lets you borrow against your home's equity at typically lower rates than personal loans. The maximum you can borrow is set by your lender's LTV limit, usually 80–85%. Learn more at CFPB's HELOC guide.