利率变动 - 全国HELOC利率小幅下降 10年期提取期HELOC全国平均年利率下降0.25个百分点至8.47% [1] - 主要利率随美联储降息调整 最优惠利率响应美联储25个基点降息措施 当前为7.50% [1][3] - 利率区间跨度较大 HELOC利率最低为7.8% 最高达9.34% [2] 产品特性 - 采用指数加边际的定价模式 利率由最优惠利率指数加上贷款机构边际决定 例如指数7.50%加1%边际则利率为8.50% [3] - 提供低于市场的 introductory利率 当前全国大部分地区6个月 introductory利率为5.99% [1] - 存在利率转换机制 introductory利率期结束后转为可调整利率 且利率会显著提高 [4] 市场环境 - 住房净资产规模庞大 2024年底美国家庭住房净资产超过34万亿美元 为历史第三高水平 [2] - 低 primary抵押贷款利率形成锁定效应 当前抵押贷款利率维持在6%以上区间 业主不愿放弃3%-5%的既有低利率贷款 [2] - HELOC成为重要替代选择 在保留低利率 primary抵押贷款的同时 可通过HELOC获取住房净资产价值 [2][5] 贷款条款 - 贷款机构具有定价灵活性 利率取决于信用评分 债务负担和信贷额度与房屋价值比率 [4] - 存在 introductory利率优惠案例 FourLeaf信用联社提供12个月6.49% introductory利率 额度最高50万美元 [7] - 需关注多项条款比较 除利率外还需比较费用 还款期限和最低提取金额等条款 [7] 使用建议 - 建议按需提取使用 只需提取所需金额 对未借用部分不支付利息 保留额度供未来使用 [8] - 适合短期借贷周转 最佳使用方式是短期内借用并偿还 避免30年长期债务 [11] - 资金用途灵活 可用于房屋翻新 维修升级等用途 也可用于度假等消费 但需及时偿还 [10] 借款人条件 - 利率差异显著 不同贷款机构利率从近7%到18%不等 取决于信用状况和比价努力程度 [9] - 特定人群更具优势 拥有低 primary抵押贷款利率且持有大量住房净资产的业主最适合使用HELOC [10] 还款示例 - 5万美元贷款月供约395美元 以40万美元房屋净值获取5万美元信贷额度 初始利率8.75% 10年提取期加20年还款期 [11]

LAS VEGAS , Sept. 23, 2025 /PRNewswire/ -- Hyperscale Data, Inc. (NYSE American: GPUS), a diversified holding company ("Hyperscale Data" or the "Company"), today announced that its Bitcoin treasury, representing current holdings and funds allocated to committed purchases of Bitcoin, totals approximately $13.25 million, representing 39.4% of the Company's public float as of market close on September 22, 2025. ...

SAN FRANCISCO, Sept. 23, 2025 (GLOBE NEWSWIRE) -- Life360 (Nasdaq: LIF), the leading family connection and safety company, announced today a new weekly giveaway helping families with everyday expenses, so they don’t have to cut costs when it comes to connection. Family dinners, vacations, and gatherings may be the first to be forgone when budgets tighten, and with monthly disposable income projected to be down 22% for households this year,1 the “Life360 Pays For…” campaign helps families worry less about e ...

Shonda Rhimes has committed $15 million to her alma mater, Dartmouth College, for a new residence hall (Photo by Cindy Ord/Getty Images for BAFTA).Getty Images for BAFTAThree of the nation’s prominent universities reported receiving multi-million-dollar private gifts Monday. Dartmouth College, the University of Arizona, and the University of Wisconsin-Madison will honor each of their respective donors with naming recognitions.University of ArizonaThe University of Arizona was given $20 million by the Garcia ...

Semnur’s shares of common stock and warrants are expected to trade on the OTC Markets on September 23, 2025 under the ticker symbols “SMNR” and “SMNRW”, respectively.Scilex (together with its affiliates) owns approximately 87.5% of Semnur common stock post Business Combination PALO ALTO, Calif., Sept. 23, 2025 (GLOBE NEWSWIRE) -- Semnur Pharmaceuticals, Inc. (“Semnur” or the “Company”) (OTC: SMNR, SMNRW) , a clinical late-stage specialty pharmaceutical company focused on the development and commercializatio ...

Phil McPherson and Craig Hopkins Elected to the Board HONOLULU, HI / ACCESS Newswire / September 23, 2025 / Barnwell Industries, Inc. (NYSE American:BRN) ("Barnwell" or the "Company") today announced the election of Philip J. McPherson and Craig D. ...

CHATSWORTH, Calif., Sept. 23, 2025 (GLOBE NEWSWIRE) -- Cavitation Technologies, Inc. ("CTi" or the "Company") (OTCQB: CVAT), a leading provider of advanced fluid processing and water treatment technologies, today announced the appointment of Anton Glotser as VP of Blockchain Infrastructure Technology at its subsidiary, XYRA Corp. This strategic appointment strengthens XYRA Corp.'s leadership team as the company advances its mission to identify and capitalize on unique opportunities in the crypto technologie ...

Arnhem, Netherlands, Sept. 23, 2025 (GLOBE NEWSWIRE) -- Allego and DIY store chain HORNBACH are joining forces to create 20 fast-charging hubs across the Netherlands. This will create at least 160 charging stations with charging speeds of up to 150 kW in the parking lots of the DIY stores. Both parties are responding to the growing demand for charging options, particularly as electric cars and commercial vehicles are rapidly gaining traction and grid congestion is hindering the development of new charging l ...

Its growing cash pile has to be put to work somehow, and M&A looks off the table. ...

SAN JOSE, Calif.--(BUSINESS WIRE)--Microsoft has invested in green cement manufacturer Fortera, supporting the construction of its full-scale 400,000 ton-per-year commercial facility. ...