HELOC：房屋净值信贷额度

房屋净值信贷额度，其英文全称为“Home Equity Lines Of Credit”，在商业和金融领域为便于书写与交流，常被简称为HELOC。这一专业术语指代的是以房屋净值作为抵押的循环信贷额度，广泛应用于个人融资、房产再投资等场景，具有灵活提取、随借随还的特点。

Home equity lines of credit ( HELOC ) will require property to be pledged as security for the loans.
房屋净值信用（heloc）将需要财产质押担保的贷款。
The biggest drops were in consumer lending, where credit card loans fell nearly 6 % and home equity lines of credit dropped just over 2 %.
下降幅度最大的是消费贷款，其中信用卡贷款下降了近6%，住房净值贷款下降了2%多一点。
Because credit card companies have tightened lending standards and other sources of debt such as home equity lines of credit have largely dried up, she says, entrepreneurship has been stifled.
斯旺克表示，信用卡公司提高了放贷标准，其他贷款渠道（比如房屋净值贷款）大部分也已断流，因此抑制了创业活动。
Facing a financial squeeze, some of these borrowers are trying to stay current on their primary mortgage and skipping payments on their home equity lines of credit.
一些贷款人试图停留在他们的抵押物中，并逃脱信用贷款。
Rising values meant that people could also take out home equity loans and lines of credit.
价格增长曾意味着房主可以从房屋净值贷款和信用贷款中取钱。

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