Líneas de crédito

Diseñados para satisfacer tus necesidades

¿Qué es OptionLine?

  • Es una línea de crédito que te permite convertir todo o parte de tus saldos de tasa fluctuante en un préstamo de TASA FIJA y PLAZO FIJO, en cualquier momento.

¿Por qué elegir OptionLine?

  • Flexibilidad: Usa tu Optionline tanto como una línea de crédito de tasa fluctuante como un préstamo de tasa fija.
  • Asequible: Ofrece una tasa variable competitiva que sigue las condiciones del mercado.
  • Cómoda: Disfruta de la comodidad de tener efectivo disponible siempre que lo necesites, dondequiera que estés. Se te proporcionarán cheques gratis para que tengas acceso fácil a tus fondos.
  • Varios planes a tu disposición: No esperes. Puede que cumplas los requisitos para recibir un préstamo sobre el valor líquido de la vivienda de hasta el 80% del valor de tu vivienda, menos la cantidad de cualquier hipoteca existente. Pregúntanos sobre nuestros programas para propietarios de viviendas de bajo valor líquido. ¡Habla con nosotros para obtener más información!
  • Protección contra sobregiros disponible
  • Un estado de cuenta mensual

¿Cómo funciona Optionline?

  • Comienzas con una línea de crédito con tasa variable.
  • Según vayas realizando retiros de efectivo de tu línea de crédito, podrás poner la cantidad que retiraste a una TASA FIJA DE INTERÉS y a un PAGO FIJO MENSUAL; ¡en cualquier momento! ¡Tú tienes el control!
  • ¡Usa el resto de la cantidad disponible en tu línea de crédito para futuras necesidades!

Bienes raíces - primera residencia

Para obtener una OptionLine, podemos tomar en garantía tu primera residencia, siempre y cuando ésta se encuentre dentro del zona de préstamo de Skylands Community Bank. Podemos prestar hasta un total de relación préstamo a valor (LTV) del 80% del valor de mercado actual de tu propiedad.

OptionLine - Primary Residence Rates

Description APR
OptionLine - Primary Residence 3.99%

OptionLine - Primary Residence Disclosure

The product is a variable rate line of credit secured by the primary residence and not exceeding 80% loan to value ratio. The advertised 3.99% APR (Annual Percentage Rate) applies to new lines of credit of $5,000 or more and automatic deduction of payment from a Skylands Community Bank deposit account and this is our standard rate. The standard APR will be based on the Wall Street Journal Prime (WSJP) as published daily plus .50%, or the minimum APR of 3.99%, whichever is greater. Depending on credit qualifications and payment option selected, APRs may range from 3.99% (Minimum) to 6.25% (WSJ Prime plus 3.00%). The maximum APR is 18.00%.

This account includes a fixed rate option. This rate may vary, but once established as a new Fixed Rate Advance, will not vary thereafter. Current fixed rate APRs with automatic deduction of payment from a deposit account with Skylands Community Bank range from 6.00% to 9.25% depending on credit qualifications and loan term selected. APRs without automatic payment service are .25% higher. A $100 rate lock fee applies each time you establish a Fixed Rate Advance.

A $90 recording fee will be charged. Other closing costs for lines of credit up to $500,000 typically range from approximately $77 to $434 depending on line amount, appraisal requirements and property location. Any closing costs initially paid by the bank on the customer’s behalf, must be paid by the customer if the account is closed within 3 years. Borrower must pay any mortgage satisfaction fees at loan termination. Property insurance is required.

Rates may change. Applications are subject to credit approval.

¿Cómo se determina el valor líquido de tu vivienda habitual?

Ejemplo basado en una financiación del 80%:

Valor tasado de tu vivienda: $200,000
80% del valor tasado: .80
Igual: $160,000
Menos primera hipoteca: -$125,000
Valor líquido de tu vivienda: $35,000

Bienes raíces - vivienda diferente a la primera residencia (que no sea tu vivienda habitual)

Para obtener una Optionline, podemos tomar en garantía una vivienda diferente a tu primera residencia, siempre y cuando se encuentre situada dentro de la zona de préstamo de Skylands Community Bank. Podemos prestar hasta un total de relación préstamo a valor (LTV) del 75% del valor de mercado actual de tu propiedad.

OptionLine - Non-Primary Residence Rates

Description APR
OptionLine - Non-Primary Residence 4.99%

OptionLine - Non-Primary Residence Disclosure

The product is a variable rate line of credit secured by the non-primary residence and not exceeding 75% loan to value ratio. The advertised 4.99% APR (Annual Percentage Rate) applies to new lines of credit of $5,000 or more and automatic deduction of payment from a Skylands Community Bank deposit account and this is our standard rate. The standard APR will be based on the Wall Street Journal Prime (WSJP) as published daily plus 1.50%, or the minimum APR of 4.99%, whichever is greater. Depending on credit qualifications and payment option selected, APRs may range from 4.99% (Minimum) to 7.25% (WSJ Prime plus 4.00%). The maximum APR is 18.00%.

This account includes a fixed rate option. This rate may vary, but once established as a new Fixed Rate Advance, will not vary thereafter. Current fixed rate APRs with automatic deduction of payment from a deposit account with Skylands Community Bank range from 7.25% to 10.50% depending on credit qualifications and loan term selected. A $100 rate lock fee applies each time you establish a Fixed Rate Advance.

A $90 recording fee will be charged. Other closing costs for lines of credit up to $500,000 typically range from approximately $77 to $434 depending on line amount, appraisal requirements and property location. Any closing costs initially paid by the bank on the customer’s behalf, must be paid by the customer if the account is closed within 3 years. Borrower must pay any mortgage satisfaction fees at loan termination. Property insurance is required.

Rates may change. Applications are subject to credit approval.

¿Cómo se determina el valor líquido de una vivienda diferente a primera residencia?

Ejemplo basado en una financiación del 75%:

Valor tasado de tu vivienda: $200,000
75% del valor tasado: .75
Igual: $150,000
Menos una primera hipoteca: -$125,000
Valor líquido de tu vivienda: $25,000

OptionLine - Certificado de depósito/certificado de acciones de Skylands Community Bank

  • Para obtener una Optionline, podemos tomar en garantía los certificados de depósito de Skylands Community Bank. Podemos prestar hasta el 100% del valor del certificado.
  • Para obtener una Optionline, podemos tomar en garantía acciones en forma de certificados de acciones, de empresas que cotizan en bolsa a nivel nacional. Podemos prestar hasta el 75% del valor de mercado actual de las acciones.

OptionLine - CD/Stock Secured Rates

Description APR
OptionLine - CD/Stock Secured 5.00%

OptionLine - CD/Stock Secured Disclosure

The product is a variable rate line of credit secured with Skylands Community Bank Certificates of Deposit (not exceeding 100% loan to value ratio) or Stock Certificates (not exceeding 75% loan to value ratio). The advertised 5.00% APR (Annual Percentage Rate) applies to new lines of credit of $5,000 or more and automatic deduction of payment from a Skylands Community Bank deposit account and this is our standard rate. The standard APR will be based on the Wall Street Journal Prime (WSJP) as published daily plus .50%, or the minimum APR of 5.00%, whichever is greater. APR may increase if automatic payment is discontinued. The standard APR without automatic payment is based on the WSJP as published daily plus 1.00%, or the minimum APR of 5.00%, whichever is greater. Depending on credit qualifications and payment option selected, APRs may range from 5.00% (Minimum) to 6.75% (WSJ Prime plus 3.50%). The maximum APR is 18.00%.

This account includes a fixed rate option. This rate may vary, but once established as a new Fixed Rate Advance, will not vary thereafter. Current fixed rate APRs with automatic deduction of payment from a deposit account with Skylands Community Bank range from 6.00% to 9.25% depending on credit qualifications. APRs without automatic payment service are .25% higher. A $100 rate lock fee applies each time you establish a Fixed Rate Advance.

Rates may change. Applications are subject to credit approval.

¿Todavía no estás seguro de si nuestra Optionline es lo que necesitas? Déjanos ayudarte. Llamanos o visita hoy una de las sucursales de Skylands Community Bank.