Control Panel

Sample Equity Rates

PRIME RATE: 5.00%

Home Equity Lines

LTV	PRIME +
80%	-0.50 to 0.25%
90%	0.25 to 1.50%
100%	1.25 to 2.50%
Source: Rate Search

Home Equity Loans

LTV	PRIME +
80%	0.50% to 3.00%
90%	2.50% to 4.00%
100%	2.75% to 5.00%
Source: Rate Search

Effective Tax Calculator

Enter the quoted rate (APR) for your home equity line or loan:

Note: your rate may vary depending on credit quality, LTV position and loan amount. See sample of home equity rates.

Enter your income tax bracket:

Year 2004 Tax Bracket:
  15%
  25%
28%
  33%
  35%
IRS Tax Rate Schedules (Tax Bracket)

Your Effective Tax Rate: ⁽¹⁾

⁽¹⁾ The Effective Tax Rate is the calculated annual interest rate that you would pay if you deducted qualifying interest charges from your taxes.

See your tax advisor to determine whether your interest charges qualify for tax deductiability.

Need to find a tax advisor?

Search online for CPA diectory

Search yellow page for CPAs

Search yellow page for Tax Preparation

* Calculations are based upon the assumptions you entered. Please note that rounding errors can make a small difference in calculations. Your actual lending rate may vary depending on your credit quality and lender. The circumstances surrounding your credit and loan qualifications may result in different calculations.

calculator index

operated by: nBuy Associates