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说说我的理解 -- HELOC 是 AGAINST 你的 COLLATERAL 的。这 COLLATERAL 是由房子的价值决定。价值的表现是 FMV (FAIR MARKET VALUE)。有胆大的银行会用 110% 做 HELOC,胆小的可能用 60%-70%。假设房子 FMV 50W,你拿 DOWN是10W,按70%,就是 25W。
c__wang
(cwang)
(#7628197@0)
Last Updated: 2012-6-30
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请教: 买房是申请Mortgage还是HELOC好? 各有什么优缺点?
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