+促销年利率只适用于最低贷款额为$10的新HELOCs,000 and a maximum loan-to-value (LTV) of 80%; promotional 4月 does not apply to a refinance of an existing 沙漠金融信用社 HELOC. Subsequent 4月 may vary based on the index rate, plus a margin; 4月 will never exceed 18%. 实际利率和年利率取决于信用历史, 类型的产品, 贷款期限及贷款价值比(LTV), 抵押物的占用情况和类型. 房屋净值信用额度 (“HELOC”) has a 10-year draw period; minimum monthly payment will be principal and interest amortized over a 30-year repayment term at a variable rate.