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房屋净值贷款(Home Equity Loan)和房屋第二贷款(Second Loan)有何差别?

房屋净值贷款(Home Equity Loan)和房屋第二贷款(Second Loan)有何差别?

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房屋净值贷款(Home Equity Loan)和房屋第二贷款(Second Loan)有何差别?

两者没有差别。指按揭房屋除质押外剩余价值再作抵押的贷款。Definition of 'Home-Equity Loan'A consumer loan secured by a second mortgage, allowing home owners to borrow against their equity in the home. The loan is based on the difference between the homeowner's equity and the home's current market value. The mortgage also provides collateral for an asset-backed security issued by the lender and sometimes tax deductible interest payments for the borrower. Also known as "equity loan" or "second mortgage".