🔑 Kalkulator HELOC
Angsuran HELOC biasanya melonjak tajam begitu masa penarikan berakhir. Masukkan nilai rumah, sisa KPR, dan batas CLTV dari pemberi pinjaman untuk melihat plafon Anda, lalu kedua angsuran untuk jumlah yang ingin Anda pinjam.
Jawaban singkat: Dengan rumah senilai $450.000, sisa KPR $250.000, dan batas CLTV 85%, plafon HELOC Anda bisa mencapai $132.500; meminjam $50.000 dengan bunga 7,5% berarti angsuran bunga saja $312,50 per bulan selama masa penarikan 10 tahun, lalu $402,80 per bulan selama masa pelunasan 20 tahun.
Belum ada penilaian · Diperbarui · Gratis · Tanpa daftar
Data masukan Kalkulator HELOC
Hasil
Plafon HELOC maksimum
$132.500
85% dari $450.000 dikurangi sisa KPR $250.000
| Ekuitas rumah | $200.000 |
| Jumlah dipinjam | $50.000 |
| Angsuran bunga saja (masa penarikan, 10 tahun) | $312,50 / bulan |
| Angsuran masa pelunasan (20 tahun) | $402,80 / bulan |
- Kenaikan angsuran saat pelunasan
- $90,30
- CLTV setelah meminjam
- 66,7%
- Total bunga
- $84.170
- Total yang dibayar kembali
- $134.170
Diasumsikan seluruh dana ditarik di awal dan suku bunga tetap. Bunga HELOC biasanya mengambang, sehingga angsuran ikut berubah mengikuti prime rate.
Masa penarikan dan masa pelunasan
| Tahap | Angsuran per bulan | Bunga yang dibayar |
|---|---|---|
| Penarikan (tahun 1–10) | $312,50 | $37.500,00 |
| Pelunasan (tahun 11–30) | $402,80 | $46.670,13 |
Plafon kredit pada berbagai batas CLTV
| Batas CLTV | Plafon kredit maksimum |
|---|---|
| 80% | $110.000 |
| 85% | $132.500 |
| 90% | $155.000 |
Jadwal angsuran
| Tahun | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|
| 1 | $1.121,64 | $3.711,96 | $48.878,36 |
| 2 | $1.208,72 | $3.624,88 | $47.669,64 |
| 3 | $1.302,53 | $3.531,07 | $46.367,11 |
| 4 | $1.403,66 | $3.429,94 | $44.963,45 |
| 5 | $1.512,65 | $3.320,95 | $43.450,80 |
| 6 | $1.630,06 | $3.203,54 | $41.820,74 |
| 7 | $1.756,61 | $3.076,99 | $40.064,13 |
| 8 | $1.892,97 | $2.940,63 | $38.171,16 |
| 9 | $2.039,94 | $2.793,66 | $36.131,22 |
| 10 | $2.198,31 | $2.635,29 | $33.932,91 |
| 11 | $2.368,96 | $2.464,64 | $31.563,95 |
| 12 | $2.552,88 | $2.280,72 | $29.011,07 |
| 13 | $2.751,07 | $2.082,53 | $26.260,00 |
| 14 | $2.964,64 | $1.868,96 | $23.295,36 |
| 15 | $3.194,78 | $1.638,82 | $20.100,58 |
| 16 | $3.442,81 | $1.390,79 | $16.657,77 |
| 17 | $3.710,08 | $1.123,52 | $12.947,69 |
| 18 | $3.998,11 | $835,49 | $8.949,58 |
| 19 | $4.308,48 | $525,12 | $4.641,10 |
| 20 | $4.641,10 | $190,63 | $0,00 |
Tampilkan jadwal bulanan (240 angsuran)
| # | Angsuran | Pokok | Bunga | Sisa pinjaman |
|---|---|---|---|---|
| 1 | $402,80 | $90,30 | $312,50 | $49.909,70 |
| 2 | $402,80 | $90,86 | $311,94 | $49.818,84 |
| 3 | $402,80 | $91,43 | $311,37 | $49.727,41 |
| 4 | $402,80 | $92,00 | $310,80 | $49.635,41 |
| 5 | $402,80 | $92,58 | $310,22 | $49.542,83 |
| 6 | $402,80 | $93,16 | $309,64 | $49.449,67 |
| 7 | $402,80 | $93,74 | $309,06 | $49.355,93 |
| 8 | $402,80 | $94,33 | $308,47 | $49.261,60 |
| 9 | $402,80 | $94,91 | $307,89 | $49.166,69 |
| 10 | $402,80 | $95,51 | $307,29 | $49.071,18 |
| 11 | $402,80 | $96,11 | $306,69 | $48.975,07 |
| 12 | $402,80 | $96,71 | $306,09 | $48.878,36 |
| 13 | $402,80 | $97,31 | $305,49 | $48.781,05 |
| 14 | $402,80 | $97,92 | $304,88 | $48.683,13 |
| 15 | $402,80 | $98,53 | $304,27 | $48.584,60 |
| 16 | $402,80 | $99,15 | $303,65 | $48.485,45 |
| 17 | $402,80 | $99,77 | $303,03 | $48.385,68 |
| 18 | $402,80 | $100,39 | $302,41 | $48.285,29 |
| 19 | $402,80 | $101,02 | $301,78 | $48.184,27 |
| 20 | $402,80 | $101,65 | $301,15 | $48.082,62 |
| 21 | $402,80 | $102,28 | $300,52 | $47.980,34 |
| 22 | $402,80 | $102,92 | $299,88 | $47.877,42 |
| 23 | $402,80 | $103,57 | $299,23 | $47.773,85 |
| 24 | $402,80 | $104,21 | $298,59 | $47.669,64 |
| 25 | $402,80 | $104,86 | $297,94 | $47.564,78 |
| 26 | $402,80 | $105,52 | $297,28 | $47.459,26 |
| 27 | $402,80 | $106,18 | $296,62 | $47.353,08 |
| 28 | $402,80 | $106,84 | $295,96 | $47.246,24 |
| 29 | $402,80 | $107,51 | $295,29 | $47.138,73 |
| 30 | $402,80 | $108,18 | $294,62 | $47.030,55 |
| 31 | $402,80 | $108,86 | $293,94 | $46.921,69 |
| 32 | $402,80 | $109,54 | $293,26 | $46.812,15 |
| 33 | $402,80 | $110,22 | $292,58 | $46.701,93 |
| 34 | $402,80 | $110,91 | $291,89 | $46.591,02 |
| 35 | $402,80 | $111,61 | $291,19 | $46.479,41 |
| 36 | $402,80 | $112,30 | $290,50 | $46.367,11 |
| 37 | $402,80 | $113,01 | $289,79 | $46.254,10 |
| 38 | $402,80 | $113,71 | $289,09 | $46.140,39 |
| 39 | $402,80 | $114,42 | $288,38 | $46.025,97 |
| 40 | $402,80 | $115,14 | $287,66 | $45.910,83 |
| 41 | $402,80 | $115,86 | $286,94 | $45.794,97 |
| 42 | $402,80 | $116,58 | $286,22 | $45.678,39 |
| 43 | $402,80 | $117,31 | $285,49 | $45.561,08 |
| 44 | $402,80 | $118,04 | $284,76 | $45.443,04 |
| 45 | $402,80 | $118,78 | $284,02 | $45.324,26 |
| 46 | $402,80 | $119,52 | $283,28 | $45.204,74 |
| 47 | $402,80 | $120,27 | $282,53 | $45.084,47 |
| 48 | $402,80 | $121,02 | $281,78 | $44.963,45 |
| 49 | $402,80 | $121,78 | $281,02 | $44.841,67 |
| 50 | $402,80 | $122,54 | $280,26 | $44.719,13 |
| 51 | $402,80 | $123,31 | $279,49 | $44.595,82 |
| 52 | $402,80 | $124,08 | $278,72 | $44.471,74 |
| 53 | $402,80 | $124,85 | $277,95 | $44.346,89 |
| 54 | $402,80 | $125,63 | $277,17 | $44.221,26 |
| 55 | $402,80 | $126,42 | $276,38 | $44.094,84 |
| 56 | $402,80 | $127,21 | $275,59 | $43.967,63 |
| 57 | $402,80 | $128,00 | $274,80 | $43.839,63 |
| 58 | $402,80 | $128,80 | $274,00 | $43.710,83 |
| 59 | $402,80 | $129,61 | $273,19 | $43.581,22 |
| 60 | $402,80 | $130,42 | $272,38 | $43.450,80 |
| 61 | $402,80 | $131,23 | $271,57 | $43.319,57 |
| 62 | $402,80 | $132,05 | $270,75 | $43.187,52 |
| 63 | $402,80 | $132,88 | $269,92 | $43.054,64 |
| 64 | $402,80 | $133,71 | $269,09 | $42.920,93 |
| 65 | $402,80 | $134,54 | $268,26 | $42.786,39 |
| 66 | $402,80 | $135,39 | $267,41 | $42.651,00 |
| 67 | $402,80 | $136,23 | $266,57 | $42.514,77 |
| 68 | $402,80 | $137,08 | $265,72 | $42.377,69 |
| 69 | $402,80 | $137,94 | $264,86 | $42.239,75 |
| 70 | $402,80 | $138,80 | $264,00 | $42.100,95 |
| 71 | $402,80 | $139,67 | $263,13 | $41.961,28 |
| 72 | $402,80 | $140,54 | $262,26 | $41.820,74 |
| 73 | $402,80 | $141,42 | $261,38 | $41.679,32 |
| 74 | $402,80 | $142,30 | $260,50 | $41.537,02 |
| 75 | $402,80 | $143,19 | $259,61 | $41.393,83 |
| 76 | $402,80 | $144,09 | $258,71 | $41.249,74 |
| 77 | $402,80 | $144,99 | $257,81 | $41.104,75 |
| 78 | $402,80 | $145,90 | $256,90 | $40.958,85 |
| 79 | $402,80 | $146,81 | $255,99 | $40.812,04 |
| 80 | $402,80 | $147,72 | $255,08 | $40.664,32 |
| 81 | $402,80 | $148,65 | $254,15 | $40.515,67 |
| 82 | $402,80 | $149,58 | $253,22 | $40.366,09 |
| 83 | $402,80 | $150,51 | $252,29 | $40.215,58 |
| 84 | $402,80 | $151,45 | $251,35 | $40.064,13 |
| 85 | $402,80 | $152,40 | $250,40 | $39.911,73 |
| 86 | $402,80 | $153,35 | $249,45 | $39.758,38 |
| 87 | $402,80 | $154,31 | $248,49 | $39.604,07 |
| 88 | $402,80 | $155,27 | $247,53 | $39.448,80 |
| 89 | $402,80 | $156,24 | $246,56 | $39.292,56 |
| 90 | $402,80 | $157,22 | $245,58 | $39.135,34 |
| 91 | $402,80 | $158,20 | $244,60 | $38.977,14 |
| 92 | $402,80 | $159,19 | $243,61 | $38.817,95 |
| 93 | $402,80 | $160,19 | $242,61 | $38.657,76 |
| 94 | $402,80 | $161,19 | $241,61 | $38.496,57 |
| 95 | $402,80 | $162,20 | $240,60 | $38.334,37 |
| 96 | $402,80 | $163,21 | $239,59 | $38.171,16 |
| 97 | $402,80 | $164,23 | $238,57 | $38.006,93 |
| 98 | $402,80 | $165,26 | $237,54 | $37.841,67 |
| 99 | $402,80 | $166,29 | $236,51 | $37.675,38 |
| 100 | $402,80 | $167,33 | $235,47 | $37.508,05 |
| 101 | $402,80 | $168,37 | $234,43 | $37.339,68 |
| 102 | $402,80 | $169,43 | $233,37 | $37.170,25 |
| 103 | $402,80 | $170,49 | $232,31 | $36.999,76 |
| 104 | $402,80 | $171,55 | $231,25 | $36.828,21 |
| 105 | $402,80 | $172,62 | $230,18 | $36.655,59 |
| 106 | $402,80 | $173,70 | $229,10 | $36.481,89 |
| 107 | $402,80 | $174,79 | $228,01 | $36.307,10 |
| 108 | $402,80 | $175,88 | $226,92 | $36.131,22 |
| 109 | $402,80 | $176,98 | $225,82 | $35.954,24 |
| 110 | $402,80 | $178,09 | $224,71 | $35.776,15 |
| 111 | $402,80 | $179,20 | $223,60 | $35.596,95 |
| 112 | $402,80 | $180,32 | $222,48 | $35.416,63 |
| 113 | $402,80 | $181,45 | $221,35 | $35.235,18 |
| 114 | $402,80 | $182,58 | $220,22 | $35.052,60 |
| 115 | $402,80 | $183,72 | $219,08 | $34.868,88 |
| 116 | $402,80 | $184,87 | $217,93 | $34.684,01 |
| 117 | $402,80 | $186,02 | $216,78 | $34.497,99 |
| 118 | $402,80 | $187,19 | $215,61 | $34.310,80 |
| 119 | $402,80 | $188,36 | $214,44 | $34.122,44 |
| 120 | $402,80 | $189,53 | $213,27 | $33.932,91 |
| 121 | $402,80 | $190,72 | $212,08 | $33.742,19 |
| 122 | $402,80 | $191,91 | $210,89 | $33.550,28 |
| 123 | $402,80 | $193,11 | $209,69 | $33.357,17 |
| 124 | $402,80 | $194,32 | $208,48 | $33.162,85 |
| 125 | $402,80 | $195,53 | $207,27 | $32.967,32 |
| 126 | $402,80 | $196,75 | $206,05 | $32.770,57 |
| 127 | $402,80 | $197,98 | $204,82 | $32.572,59 |
| 128 | $402,80 | $199,22 | $203,58 | $32.373,37 |
| 129 | $402,80 | $200,47 | $202,33 | $32.172,90 |
| 130 | $402,80 | $201,72 | $201,08 | $31.971,18 |
| 131 | $402,80 | $202,98 | $199,82 | $31.768,20 |
| 132 | $402,80 | $204,25 | $198,55 | $31.563,95 |
| 133 | $402,80 | $205,53 | $197,27 | $31.358,42 |
| 134 | $402,80 | $206,81 | $195,99 | $31.151,61 |
| 135 | $402,80 | $208,10 | $194,70 | $30.943,51 |
| 136 | $402,80 | $209,40 | $193,40 | $30.734,11 |
| 137 | $402,80 | $210,71 | $192,09 | $30.523,40 |
| 138 | $402,80 | $212,03 | $190,77 | $30.311,37 |
| 139 | $402,80 | $213,35 | $189,45 | $30.098,02 |
| 140 | $402,80 | $214,69 | $188,11 | $29.883,33 |
| 141 | $402,80 | $216,03 | $186,77 | $29.667,30 |
| 142 | $402,80 | $217,38 | $185,42 | $29.449,92 |
| 143 | $402,80 | $218,74 | $184,06 | $29.231,18 |
| 144 | $402,80 | $220,11 | $182,69 | $29.011,07 |
| 145 | $402,80 | $221,48 | $181,32 | $28.789,59 |
| 146 | $402,80 | $222,87 | $179,93 | $28.566,72 |
| 147 | $402,80 | $224,26 | $178,54 | $28.342,46 |
| 148 | $402,80 | $225,66 | $177,14 | $28.116,80 |
| 149 | $402,80 | $227,07 | $175,73 | $27.889,73 |
| 150 | $402,80 | $228,49 | $174,31 | $27.661,24 |
| 151 | $402,80 | $229,92 | $172,88 | $27.431,32 |
| 152 | $402,80 | $231,35 | $171,45 | $27.199,97 |
| 153 | $402,80 | $232,80 | $170,00 | $26.967,17 |
| 154 | $402,80 | $234,26 | $168,54 | $26.732,91 |
| 155 | $402,80 | $235,72 | $167,08 | $26.497,19 |
| 156 | $402,80 | $237,19 | $165,61 | $26.260,00 |
| 157 | $402,80 | $238,67 | $164,13 | $26.021,33 |
| 158 | $402,80 | $240,17 | $162,63 | $25.781,16 |
| 159 | $402,80 | $241,67 | $161,13 | $25.539,49 |
| 160 | $402,80 | $243,18 | $159,62 | $25.296,31 |
| 161 | $402,80 | $244,70 | $158,10 | $25.051,61 |
| 162 | $402,80 | $246,23 | $156,57 | $24.805,38 |
| 163 | $402,80 | $247,77 | $155,03 | $24.557,61 |
| 164 | $402,80 | $249,31 | $153,49 | $24.308,30 |
| 165 | $402,80 | $250,87 | $151,93 | $24.057,43 |
| 166 | $402,80 | $252,44 | $150,36 | $23.804,99 |
| 167 | $402,80 | $254,02 | $148,78 | $23.550,97 |
| 168 | $402,80 | $255,61 | $147,19 | $23.295,36 |
| 169 | $402,80 | $257,20 | $145,60 | $23.038,16 |
| 170 | $402,80 | $258,81 | $143,99 | $22.779,35 |
| 171 | $402,80 | $260,43 | $142,37 | $22.518,92 |
| 172 | $402,80 | $262,06 | $140,74 | $22.256,86 |
| 173 | $402,80 | $263,69 | $139,11 | $21.993,17 |
| 174 | $402,80 | $265,34 | $137,46 | $21.727,83 |
| 175 | $402,80 | $267,00 | $135,80 | $21.460,83 |
| 176 | $402,80 | $268,67 | $134,13 | $21.192,16 |
| 177 | $402,80 | $270,35 | $132,45 | $20.921,81 |
| 178 | $402,80 | $272,04 | $130,76 | $20.649,77 |
| 179 | $402,80 | $273,74 | $129,06 | $20.376,03 |
| 180 | $402,80 | $275,45 | $127,35 | $20.100,58 |
| 181 | $402,80 | $277,17 | $125,63 | $19.823,41 |
| 182 | $402,80 | $278,90 | $123,90 | $19.544,51 |
| 183 | $402,80 | $280,65 | $122,15 | $19.263,86 |
| 184 | $402,80 | $282,40 | $120,40 | $18.981,46 |
| 185 | $402,80 | $284,17 | $118,63 | $18.697,29 |
| 186 | $402,80 | $285,94 | $116,86 | $18.411,35 |
| 187 | $402,80 | $287,73 | $115,07 | $18.123,62 |
| 188 | $402,80 | $289,53 | $113,27 | $17.834,09 |
| 189 | $402,80 | $291,34 | $111,46 | $17.542,75 |
| 190 | $402,80 | $293,16 | $109,64 | $17.249,59 |
| 191 | $402,80 | $294,99 | $107,81 | $16.954,60 |
| 192 | $402,80 | $296,83 | $105,97 | $16.657,77 |
| 193 | $402,80 | $298,69 | $104,11 | $16.359,08 |
| 194 | $402,80 | $300,56 | $102,24 | $16.058,52 |
| 195 | $402,80 | $302,43 | $100,37 | $15.756,09 |
| 196 | $402,80 | $304,32 | $98,48 | $15.451,77 |
| 197 | $402,80 | $306,23 | $96,57 | $15.145,54 |
| 198 | $402,80 | $308,14 | $94,66 | $14.837,40 |
| 199 | $402,80 | $310,07 | $92,73 | $14.527,33 |
| 200 | $402,80 | $312,00 | $90,80 | $14.215,33 |
| 201 | $402,80 | $313,95 | $88,85 | $13.901,38 |
| 202 | $402,80 | $315,92 | $86,88 | $13.585,46 |
| 203 | $402,80 | $317,89 | $84,91 | $13.267,57 |
| 204 | $402,80 | $319,88 | $82,92 | $12.947,69 |
| 205 | $402,80 | $321,88 | $80,92 | $12.625,81 |
| 206 | $402,80 | $323,89 | $78,91 | $12.301,92 |
| 207 | $402,80 | $325,91 | $76,89 | $11.976,01 |
| 208 | $402,80 | $327,95 | $74,85 | $11.648,06 |
| 209 | $402,80 | $330,00 | $72,80 | $11.318,06 |
| 210 | $402,80 | $332,06 | $70,74 | $10.986,00 |
| 211 | $402,80 | $334,14 | $68,66 | $10.651,86 |
| 212 | $402,80 | $336,23 | $66,57 | $10.315,63 |
| 213 | $402,80 | $338,33 | $64,47 | $9.977,30 |
| 214 | $402,80 | $340,44 | $62,36 | $9.636,86 |
| 215 | $402,80 | $342,57 | $60,23 | $9.294,29 |
| 216 | $402,80 | $344,71 | $58,09 | $8.949,58 |
| 217 | $402,80 | $346,87 | $55,93 | $8.602,71 |
| 218 | $402,80 | $349,03 | $53,77 | $8.253,68 |
| 219 | $402,80 | $351,21 | $51,59 | $7.902,47 |
| 220 | $402,80 | $353,41 | $49,39 | $7.549,06 |
| 221 | $402,80 | $355,62 | $47,18 | $7.193,44 |
| 222 | $402,80 | $357,84 | $44,96 | $6.835,60 |
| 223 | $402,80 | $360,08 | $42,72 | $6.475,52 |
| 224 | $402,80 | $362,33 | $40,47 | $6.113,19 |
| 225 | $402,80 | $364,59 | $38,21 | $5.748,60 |
| 226 | $402,80 | $366,87 | $35,93 | $5.381,73 |
| 227 | $402,80 | $369,16 | $33,64 | $5.012,57 |
| 228 | $402,80 | $371,47 | $31,33 | $4.641,10 |
| 229 | $402,80 | $373,79 | $29,01 | $4.267,31 |
| 230 | $402,80 | $376,13 | $26,67 | $3.891,18 |
| 231 | $402,80 | $378,48 | $24,32 | $3.512,70 |
| 232 | $402,80 | $380,85 | $21,95 | $3.131,85 |
| 233 | $402,80 | $383,23 | $19,57 | $2.748,62 |
| 234 | $402,80 | $385,62 | $17,18 | $2.363,00 |
| 235 | $402,80 | $388,03 | $14,77 | $1.974,97 |
| 236 | $402,80 | $390,46 | $12,34 | $1.584,51 |
| 237 | $402,80 | $392,90 | $9,90 | $1.191,61 |
| 238 | $402,80 | $395,35 | $7,45 | $796,26 |
| 239 | $402,80 | $397,82 | $4,98 | $398,44 |
| 240 | $400,93 | $398,44 | $2,49 | $0,00 |
Cara mengisi kalkulator
- Masukkan nilai rumah Anda saat ini dan sisa pokok KPR.
- Masukkan batas maksimum CLTV (rasio total pinjaman terhadap nilai rumah) dari pemberi pinjaman – yang umum 85%.
- Masukkan jumlah yang ingin Anda pinjam, suku bunga, serta lama masa penarikan dan masa pelunasan.
Rumusnya
Plafon kredit maksimum = Nilai rumah × Batas CLTV − Sisa KPR
Angsuran bunga saja = Saldo × Suku bunga ÷ 12
Angsuran masa pelunasan = B × r(1+r)n ÷ ((1+r)n − 1)
dengan r suku bunga bulanan dan n jumlah bulan masa pelunasan.
Contoh perhitungan
Rumah Anda bernilai $450.000 dan sisa KPR $250.000. Dengan batas CLTV 85%, pemberi pinjaman mengizinkan total utang $382.500, sehingga plafon Anda bisa mencapai $132.500. Jika Anda meminjam $50.000 dengan bunga 7,5%:
- Masa penarikan (10 tahun): $50.000 × 7,5% ÷ 12 = $312,50 per bulan, bunga saja
- Masa pelunasan (20 tahun): $402,80 per bulan untuk pokok dan bunga
Total bunganya $37.500 selama masa penarikan ditambah $46.670,13 selama masa pelunasan.
Ketentuan HELOC yang umum
| Ketentuan | Kisaran umum |
|---|---|
| CLTV maksimum | 80% – 90% |
| Masa penarikan | 5 – 10 tahun |
| Masa pelunasan | 10 – 20 tahun |
| Suku bunga | Prime rate + 0% – 2% (mengambang) |
| Skor kredit minimum | 620 – 680 |
Tips
- Siapkan anggaran untuk angsuran masa pelunasan, bukan hanya angsuran bunga saja.
- Mencicil pokok selama masa penarikan memangkas total bunga dan lonjakan angsuran nanti.
- Tanyakan batas kenaikan bunga, biaya tahunan, dan biaya penutupan lebih awal sebelum menandatangani.
Perkiraan untuk tujuan edukasi, bukan nasihat keuangan.
Pertanyaan umum
Berapa yang bisa saya pinjam lewat HELOC?
Pemberi pinjaman membatasi rasio total pinjaman terhadap nilai rumah (CLTV), biasanya 80–90%. Kalikan nilai rumah dengan batas tersebut, lalu kurangi sisa KPR: $450.000 × 85% − $250.000 = $132.500.
Bagaimana angsuran HELOC dihitung?
Selama masa penarikan, sebagian besar HELOC hanya mewajibkan pembayaran bunga: saldo × suku bunga tahunan ÷ 12. Saat masa pelunasan dimulai, saldo dicicil seperti pinjaman biasa sehingga angsuran mencakup pokok dan bunga, dan biasanya naik tajam.
Berapa lama masa penarikan dan masa pelunasan HELOC?
Struktur yang umum adalah masa penarikan 10 tahun diikuti masa pelunasan 20 tahun, tetapi masa penarikan 5–10 tahun dan masa pelunasan 10–20 tahun sama-sama lazim. Sebagian pemberi pinjaman justru mensyaratkan pelunasan sekaligus (balloon payment) di akhir.
Apakah bunga HELOC bisa dikurangkan dari pajak di AS?
Hanya jika dananya dipakai untuk membeli, membangun, atau merenovasi secara substansial rumah yang menjadi jaminannya, dan masih dalam batas pengurangan bunga KPR. Bunga HELOC yang dipakai untuk keperluan lain tidak dapat dikurangkan.
Apa beda HELOC dengan home equity loan?
HELOC adalah jalur kredit bergulir dengan bunga mengambang yang Anda tarik sesuai kebutuhan; home equity loan adalah pinjaman sekaligus dengan bunga tetap dan angsuran tetap sejak hari pertama.
Beri penilaian untuk Kalkulator HELOC
Hanya rata-rata penilaian yang ditampilkan. Laporan kesalahan langsung masuk ke kotak surat kami agar dapat kami periksa dan perbaiki. Selengkapnya: Metodologi dan kebijakan privasi.