金融

HELOC计算器

计算您的住房净值信用额度及还款金额。

$
$
%

Most lenders allow 80–85% combined LTV

$
%
yrs
yrs
Available Credit Line
$—
Draw Period Payment (Interest Only)
$—
Repayment Period Payment
$—
Total Interest Paid
$—
Home Equity (Current)
$—
Equity vs. Debt
Equity Mortgage
使用方法
  1. Enter your home value and outstanding mortgage balance.
  2. Your lender's LTV limit determines your maximum credit line (usually 80–85% of home value minus mortgage).
  3. Enter the amount you plan to borrow and the HELOC rate.
  4. During the draw period (typically 10 years) you pay interest only.
  5. During the repayment period you pay principal + interest like a normal loan.

公式

Max Credit Line = (Home Value × LTV%) − Mortgage Balance
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.