有担保的和无担保的住房改善贷款有什么区别?
两者都为你提供现金用于家庭改善项目，如果你没有足够的房屋净值来获得房屋净值选项，这是一个不错的选择. 关键的区别在于担保贷款是由抵押品(你的房子)担保的。, 无抵押贷款不受任何抵押品的保护.
Secured Home Improvement Loan
一笔有担保的住房改善贷款与一笔抵押品有关——在这种情况下，就是你的房子. With a secured loan, you can borrow larger sums of money, 不超过房屋现价的133%(不超过250美元),000). 担保贷款通常比无担保贷款利率更低，如果你需要重建信用，也更容易获得. 如果你不按约定偿还贷款，贷款人可以占有抵押品.
Unsecured Home Improvement Loan
无担保的住房改善贷款与抵押品无关. 如果你的信用等级很高，这可能是一个不错的选择. If you qualify, you may borrow up to $25,000.
使用下面的图表来确定哪个更符合您的需求. As always, 您在Elements的支持团队随时准备帮助您找到最适合您的产品，请致电我们 1-317-542-5055.
| Home Improvement Loan - Unsecured | Home Improvement Loan - Secured | |
|---|---|---|
| Apply Now | Apply Now | |
| What It Is | Borrow money without using collateral | 通过抵押资产(你的房子)来借钱 |
| Key Benefits |
Easy access to funds |
Can be easier to get if you need to rebuild credit Access to larger funds |
| A Good Option If You |
需要资金专门用于家庭装修项目 Have a high credit rating |
你需要专门为家庭装修项目提供资金 Have lower equity in your home |
| Can Use It For |
Home improvements |
Home improvements |
| APR |
Fixed rate, terms vary: 9.34% |
10 Year Fixed: 9.28% 15 Year Fixed: 9.98% |
| Closing Costs | $140 processing fee | Typically between $500 to $1,200 |
| No Prepayment Penalties | ||
| No Annual Fee | ||
| Available Amounts | Up to $25,000 | 不超过25万美元(不超过房屋现价的133%) |
| Apply Now | Apply Now |
