Líneas de crédito sobre el valor acumulado de la vivienda

Turn your home into a sweet opportunity.

Ponga su valor acumulado de la vivienda a trabajar.

Unlock financial flexibility with a home equity loan that lets you borrow what you need, when you need it. No matter what your current goals are, a Comerica Home Equity FlexLine® can make them happen, for less.

Home repairs
Home repairs & renovations1

Finance repairs and improvements to reinvest money back into your home.

Education Tuition
Education & tuition1

Fund educational expenses, including tuition for higher education.

Debt consolidation
Debt consolidation1

Leverage your home equity to pay off debt at a lower interest rate.

Vehicle purchase
Vehicle purchase1

Get a cash advance for a vehicle or other large, one-time expense.

Already started an Application? Log in aquí para obtener más información.

Open the door to financial flexibility.

Borrow as little or as much as you need. Compared to most personal loans or credit cards, a home equity line of credit provides much more flexibility, often at much lower interest rates.

Get a low, competitive rate.

A secured line of credit lets you borrow money at a competitive rate lower than almost any other type of loan.

Control how you borrow.

Borrow as you need2 on a revolving basis, and only pay interest on the amount you use.3

Your interest payments may also be tax-deductible.1

Manage how you pay.

Puede transferir el total o parte de su préstamo de tasa variable a una opción de pago fija en cualquier momento durante el período de disponibilidad del préstamo.

Easily access your funds.

Use your equity line by writing checks2 or using your Comerica Premier Equity Access Card anywhere Mastercard® credit cards are accepted.

Home Equity Insights

1 Todos los préstamos están sujetos a la aprobación del crédito. Consulte con su asesor fiscal para obtener más información sobre deducción de interés y cargos.

2 La extracción mínima por cheque de Comerica Home Equity FlexLine es:
Michigan draw: No minimum
Arizona draw: No minimum
Florida draw: No minimum
California draw: No minimum
Texas draw: $4,000
 
3 Home Equity Lines of Credit Interest-Only Payment Feature – Is It for You?

¿Qué significa pago de intereses exclusivamente?  
La característica de pago de intereses exclusivamente le permite pagar sólo los intereses durante una cantidad determinada de años. Después debe pagar ambas cosas, el capital del préstamo y los intereses.

When Might an Interest-Only Payment Feature be Right for You?
Interest-only payments may be risky if you won’t be able to afford the higher monthly payments in the future. Sin embargo, si tiene un ingreso actual modesto pero está seguro, dentro de lo razonable, de que sus ingresos aumentarán en el futuro (por ejemplo, si está a punto de terminar su carrera o capacitación), los pagos de intereses exclusivamente pueden ser adecuados para usted. Asegúrese de comprender los términos del préstamo y el riesgo que corre. Y sea realista sobre si podrá realizar los pagos futuros. Si no se siente cómodo con estos riesgos, pregunte por otro tipo de préstamo.

Interest-Only Payment Changes
Your payment amount could increase significantly during the draw period if the Annual Percentage Rate increases to a maximum of 18%. Además, los pagos mensuales aumentarán cuando su cuenta entre en la etapa de devolver la deuda.

Payment Shock
Your payments may go up a lot — as much as double or triple — after the interest-only period or when the payments adjust.

Prepayment Penalty
Extra fees may be due if you pay off the line of credit early. Consúltenos si hay una penalización por pago anticipado.