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家居改善贷款

The loan you need to put your home-improvement plans into action.

申请无抵押贷款 申请担保贷款

或打电话 1-800-561-9433

家居改善贷款 感兴趣 率  4月  点  每月 付款 贷款期限 (个月)
无担保 9.34% 9.34% $523.18 60
担保10年固定 9.09% 9.28% 0.000 $636.00 120
担保15年固定 9.84% 9.98% 0.000 $532.00 180

无担保固定利率房屋改善贷款: Annual Percentage 率 (4月) effective as of June 1, 2024, and subject to change without notice. Each individual's 4月 is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. 4月 calculation and example monthly payments based on loan amount of $25,000, FICO®分数为730或更高, 期限为60个月. 费率包括0.自动付款减少25%. 附加条件可能适用. 须经信贷审批. 最高贷款额为25,000元.

有担保家装封闭式贷款: Annual Percentage 率 (4月) effective as of June 1, 2024, and subject to change without notice. 贷款价值比为101%至133%. 最高贷款金额为$250,000. 4月s above are calculated using loan amounts of $50,000, credit score of 710 or greater and loan to value of greater than 100% for a single-family residence. 关闭成本: A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. The actual closing costs generally range between $500 to $1,200, 取决于房产的位置, 贷款金额和其他因素. 月供示例: 贷款金额为50美元,不包括灾害保险, 房产税, 或者洪水保险. 你的实际付款可能会更高. Each individual's 4月 is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. 减税: 利记app官网不提供税务建议. Please consult your tax advisor regarding the deductibility of interest. Programs, rates, terms, and conditions are subject to change without notice.

家居改善贷款

You name the project, we’ll provide the secured or unsecured loan.

关键特性

  • 必须用于家庭装修项目
  • A good option if you don’t have sufficient equity in your home
  • 可用作担保或无担保贷款的
  • 固定利率
  • 感兴趣 rate can be slightly higher than home equity options

计算你能借多少钱

安全与. 无担保贷款

担保贷款: 
  • Borrow money by pledging an asset (your home) as collateral
  • Access to up to $250,000 (up to 133% of the current value of your home)
  • 10年期或15年期的固定利率
无担保贷款: 
  • 不使用抵押贷款
  • 最高可获得25000美元
  • 固定利率,条款不同

比较房屋净值选择

What’s the difference between a Secured and an 无担保住房改善贷款?

Both provide you with cash for a home improvement project and can be a good option if you don’t have sufficient equity in your home to qualify for a home equity option. The key difference is a secured loan is guaranteed by collateral (your home), and an unsecured loan is not protected by any collateral.

有抵押房屋改善贷款

A secured home improvement loan is connected to a piece of collateral—in this case, your home. 有担保贷款, 你可以借更多的钱, up to 133% of the current value of your home (not to exceed $250,000). Secured loans also typically have lower interest rates than unsecured loans and can be easier to get if you need to rebuild your credit. If you do not repay the loan as agreed, the lender can take possession of the collateral. 

无担保住房改善贷款

An unsecured home improvement loan is not tied to collateral. It may be a good option if you have a high credit rating. 如果你符合条件,你最多可以借到25,000美元.

Use the chart below to determine which is better for your needs. 一如既往地, your support team at 元素 is ready to help you find the product that is best for you—just give us a call at 1-317-542-5055.

  房屋改善贷款-无抵押 房屋改善贷款-担保
它是什么 不使用抵押贷款 Borrow money by pledging an asset (your home) as collateral
关键好处

容易获得资金

Can be easier to get if you need to rebuild credit

获得更大的资金

一个不错的选择,如果你

Need funds specifically for a home improvement project

拥有高信用评级

You need funds specifically for a home improvement project

你的房屋净值较低

可以用来做什么?

家里的改进

家里的改进

4月

固定费率,条款不同.34%

10年固定:9.28%

15年固定:9.98%

关闭成本 $140处理费 一般在500到1200美元之间
无提前付款罚款
无年费
可用的数量 最高25,000元 Up to $250,000 (up to 133% of current value of your home)

我可以用这笔贷款做什么?

一个人在整修甲板

As its name implies, a home improvement loan must be used for projects related to your home. 例如, 你一直想增加一个平台吗, 更新你的厨房, 更换你的栅栏, 或者放一个壁炉? These are the types of projects you could use a home improvement loan for.

开始

费用是多少??

An older couple doing some painting in their house

  • There are no prepayment penalties or an annual fee associated with a home improvement loan. 
  • The unsecured home improvement loan has a $140处理费. 
  • For a secured home improvement loan, closing fees typically run between $500 and $1,200.

Why should I go to 元素 for my 家居改善贷款?

A couple planning home improvements with blueprints

像银行一样,只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄率和更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. We come to your workplace to answer questions and can provide you with personalized guidance about your home improvement loan.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally1. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

我们的技术使使用元素进行银行业务变得简单. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

我如何申请?

元素在线应用截图

3个简单的步骤应用

  1. 在线申请 - 你可以在短短10分钟内在线申请! 随时提交您的申请或致电 1-800-561-9433 开始吧. Have ready your government-issued ID (driver’s license, 状态标识, or passport) and estimates of your household income, 资产, 房屋价值和你为房屋支付的价格.
  2. 接我们的电话 We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
  3. 〇安排收盘时间 We'll contact you with a decision within 10 business days and schedule a closing at a location convenient to you if approved. 就是这样—— your loan can be put to work on your home improvement project!

马上申请

我可以从我的房屋净值中借多少钱?

房屋净值计算器

结果

在房屋净值贷款或信用额度
  1. 1 基于截至2022年12月31日的资产规模.
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