Recently, home equity loans have been pretty popular. According to TransUnion, as of the second quarter of 2025, annual home equity product originations had increased for five consecutive quarters. In quarter two, home equity loans jumped by 23% among Gen Z alone. While this data may signal that home equity loans are a good fit for many homeowners, it doesn’t necessarily mean it’s the right fit for everyone. Here’s what to think about if you’re considering a home equity loan — and when it may (or may not) ...

HELOC贷款额度计算 - 贷款额度通常为房屋价值的80%至85%减去当前抵押贷款余额 [2] - 具体计算公式为（房屋价值 × 0.85）− 抵押贷款余额 = 可借款金额 [3] - 例如房屋价值35万美元且抵押贷款余额10万美元时最高可借款197,500美元 [3][4][5] HELOC审批关键因素 - 房屋评估价值直接影响可贷额度房屋价值越高潜在借款能力越强 [6] - 债务收入比要求通常不超过40%至50%该比率越低越可能获得更高额度 [6] - 信用评分较高者可能获得更优利率或更高额度收入稳定性也会影响审批结果 [6] HELOC替代融资方案 - 房屋净值贷款提供一次性付款且通常采用固定利率 [13] - 反向抵押贷款适用于62岁及以上房主由贷款机构向借款人支付资金 [13] - 再融资套现通过置换更大额抵押贷款获取差额现金但会改变原贷款条款 [13] - 房屋净值共享协议以未来房屋价值份额换取预付款无需月供 [13] - 401(k)贷款可从退休账户借款个人贷款因无抵押通常利率较高 [13]