CalculatorCast
Matematyka Finanse Zdrowie i Fitness Data i Czas Konwertery Jednostek Komputer Fizyka Chemia Budownictwo Inżynieria Statystyka Edukacja Życie Codzienne Biologia Motoryzacja Kuchnia i Jedzenie Sport i Fitness Nieruchomości Fotografia Elektryka Rolnictwo Podróże Biznes
Wszystkie Kalkulatory Ulubione ()
English Español Français Deutsch Português Italiano Nederlands Polski Türkçe 日本語 한국어 Svenska Norsk Dansk Suomi עברית

Kalkulator linii kredytowej pod zastaw domu (HELOC)

Oszacuj dostępną linię kredytową zabezpieczoną kapitałem domu i raty odsetkowe.

Wprowadzenie

HELOC Calculator — Estimate available home equity line of credit and interest-only payments. Enter Home value, Existing mortgage balance, Max CLTV (%), Drawn balance, APR (%) to get an instant, accurate result.

Wzór

Available credit = (home value × max combined-LTV%) − existing mortgage balance (default max CLTV 80%, a common lender ceiling — floored at $0). Monthly interest-only payment = drawn balance × (APR / 12), reflecting how many HELOCs bill interest-only during the draw period on a default 8% APR (adjustable, since HELOC rates are typically variable and lender-specific).

Krok po kroku

  1. Enter the Home value.
  2. Enter the Existing mortgage balance.
  3. Enter the Max CLTV (%).
  4. Enter the Drawn balance.
  5. Enter the APR (%).
  6. Click Calculate to see your result instantly.

Przykład z życia

Example: With Home value = 400000, Existing mortgage balance = 200000, Max CLTV (%) = 80, Drawn balance = 0, APR (%) = 8, the HELOC Calculator gives Available Credit: 120000, Monthly Interest Only Payment: 0.

Często Zadawane Pytania

Why interest-only in this calculator?
Many HELOCs only require interest payments during the draw period (commonly 5–10 years); principal repayment usually starts once the line converts to the repayment period.
Why is the credit limit based on combined LTV?
A HELOC is a second lien behind your existing mortgage, so lenders cap total borrowing (first mortgage + HELOC) as a percentage of home value, not just the HELOC alone.
What inputs does the HELOC Calculator need?
You'll need to provide: Home value, Existing mortgage balance, Max CLTV (%), Drawn balance, APR (%). All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the HELOC Calculator?
The HELOC Calculator applies the formula exactly as calculated — Available credit = (home value × max combined-LTV%) − existing mortgage balance (default max CLTV 80%, a common lender ceiling — floored at $0). Monthly interest-only payment = drawn balance × (APR / 12), reflecting how many HELOCs bill interest-only during the draw period on a default 8% APR (adjustable, since HELOC rates are typically variable and lender-specific). — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Is the HELOC Calculator free to use?
Yes, the HELOC Calculator is completely free, requires no signup, and runs instantly in your browser.

O Kalkulator linii kredytowej pod zastaw domu (HELOC)

The HELOC Calculator uses a real, verifiable formula — Available credit = (home value × max combined-LTV%) − existing mortgage balance (default max CLTV 80%, a common lender ceiling — floored at $0). Monthly interest-only payment = drawn balance × (APR / 12), reflecting how many HELOCs bill interest-only during the draw period on a default 8% APR (adjustable, since HELOC rates are typically variable and lender-specific). — so results are accurate every time, not an approximation.