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お金を借りる(エクイティーローン)
- #1
-
- urufu
- 2010/04/05 17:34
支払済みのコンドを持っています。ユニオンバンクのエクイティローン(0-10万ドルまで)をトライしたところ、
Fixで年間利息が8.95%でした。バンクオブアメリカは10%以上でしたので、そこよりは
いいのですが、他にどこか安いところがありましたら、教えてください。
銀行以外からエクイティーローンって出来るのでしょうか?
- #2
-
普通そんなにたかくないでしょー。
8-10%は何か間違いではないですか?
私はChaseで3.25% で25万ドルの枠です。
イクイテイは70万ぐらいまでオープンできますが。
- #4
-
- ルーシールーシー
- 2010/04/06 (Tue) 09:28
- Report
Kaiser Federal Bankが検索で引っかかりました。
条件がいろいろあるようですが、こっちの方がRateは良いようですよ。
www.kaiserfederal.biz/Rates_HomeEquity.html
- #5
-
#2さん
equity loan が conventional よりレートが安いって事はないでしょう。
ローンを家に使わなくても構わない分高いはずです。
低いレートはポイントとか諸費用もチェックした方がいいですよ。
- #6
-
#5さん
私の場合、equity loan 3.25%, 家のローンが4,25%です。 equity Loanの別ポイントと特別な費用はとられていません。 銀行にとってはEquityを担保にとっているのだから
Equity loanが安くても不思議はないと思いますが。
Chaseのホームページで利息等チェックできるの詳しいことは
銀行に聞いて下さい。
私の場合は上の利率です。
Equity Loanで8-10%というのはおかしいと思います。
クレジットカードでもこれぐらいの利率のもあります。
- #7
-
- urufu
- 2010/04/07 (Wed) 13:27
- Report
もう少し、いろいろな銀行にあたってみます。
有難うございました。
- #8
-
変動金利ベースのEquity Loanだったら、3.25%の金利ってのはありえますね。家のはHome Loanが3.071%です。
- #9
-
今日 chase に行って聞いてきました。
変動型30年で5%です 内訳はプライム+1.75 (ポイント)
皆さんが言っているのはポイント抜きのレートなのでは?と思います。
新しくローンを組むのなら当然手数料が発生する筈ですよ(プライムレートで貸したのでは儲けが出ません)。
Posting period for “ お金を借りる(エクイティーローン) ” has been closed.
Please create new topic to continue the same topic.
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