orange品职答疑助手 · 2018年08月11日
同学你好，它是可以被理解为二次抵押贷款的，以下是维基百科的相关内容
Furthermore, HELOC loans' popularity may also stem from their having a better image than a "second mortgage," a term which can more directly imply an undesirable level of debt.[5] However, within the lending industry itself, a HELOC is categorized as a second mortgage.
Because the underlying collateral of a home equity line of credit is the home, failure to repay the loan or meet loan requirements may result in foreclosure. As a result, lenders generally require that the borrower maintain a certain level of equity in the home as a condition of providing a home equity line.
