为什么很多银行都暂停做heloc了？Chase还有这段话，这是怕房价大跌资不抵债？ Due to the economic uncertainty created by COVID-19, we’re temporarily not accepting applications for new home equity lines of credit (HELOC). This will protect both you and the bank.
为什么很多银行都暂停做heloc了？Chase还有这段话，这是怕房价大跌资不抵债？ Due to the economic uncertainty created by COVID-19, we’re temporarily not accepting applications for new home equity lines of credit (HELOC). This will protect both you and the bank. sunshine0 发表于 2020-09-28 17:25
因为如果你有mortgage的话，HELOC就是2nd lien position。对银行来说风险大。而且现在拿equity出来谁说得清，说不定过几个月房价暴跌，这房子就不值钱了。大多数银行针对primary residence的Home Equity loan或者LOC $500K以下就收个一百块样子的象征性的origination fee，赚头不大。