11/17/2023 0 Comments Heloc loan calculatorThere is a 10-year advance period with a 20-year repayment period (5-year advance period with a 10-year repayment period on rental properties) from the date of the last advance. Fixed Advance(s)are determined at the time of the advance. For LTV up to 90%, the APR for fixed advance(s) is equal to the Prime Rate plus a margin. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is Prime Rate plus a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the Prime Rate. The APR for variable advance(s) or fixed advance(s) will be equal to the Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the Prime Rate plus a margin. Rate and loan amount subject to credit approval. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, if applicable therefore, actual payment may be greater and vary from those shown.ģ HELOC Plus: Rates "as low as" 8.50% APR assumes excellent creditworthiness your rate may differ from the rate(s) shown here. For a LTV greater than 80% up to 90% the fixed APR is 6.740% for 120 months for a monthly payment of $11.49 per $1,000 borrowed. A 5.990% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.11 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.490% for 60 months for a monthly payment of $19.57 per $1,000 borrowed. Payment example: a 5.740% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.22 per $1,000 borrowed. Fixed-rate Real Estate Equity loans are available for primary residences, second homes and investment properties. Loan rates, terms, and information are subject to change at any time. Rates "as low as" 5.740% APR assumes excellent creditworthiness your rate may differ from the rate(s) shown here. Please consult a qualified tax advisor to determine if interest may be tax deductible. PSECU representatives cannot give tax advice.
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