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 Loan, Credit, Lien, Liability & debt

 

Credit Cards versus Home Equity  Loan, Credit, Lien, Liability & debts

If you own your home and pay a mortgage, you probably already know that there are certain income tax advantages for deductions such as interest payments made each month

 Loan, Credit, Lien, Liability & debts

If you own your home and pay a mortgage, you probably already know that there are certain income tax advantages for deductions such as interest payments made each month. And if you use a credit card, you know that there are no such perks available, even though credit card borrowing usually means paying much higher rates of interest, fees, and penalties.

For some circumstances, especially when attractive interest rates are offered, the credit card can be a superior choice. If you happen to be one of the rare consumers who can manage credit card debt by paying it off every month and not incurring fees, don’t forget to factor the credit card  Loan, Credit, Lien, Liability & debt option into your decision. But overall, using home equity  Loan, Credit, Lien, Liability & debts to borrow money makes more sense than racking up credit card debt, and although there are a few special exceptions, most financial counselors will encourage homeowners to tap equity for  Loan, Credit, Lien, Liability & debts, rather than using the plastic in their purses and wallets.

There are essentially two different ways to borrow with equity, and those are the home equity  Loan, Credit, Lien, Liability & debt, and the home equity line of credit, or HELOC. A HELOC works much like a credit card, except that you can usually pay it off over a much longer period of time, and you can borrow more, as long as you have the home equity to back up your line of credit. And interest paid on HELOC  Loan, Credit, Lien, Liability & debts is similar to credit card interest, because it is normally not tax deductible, and the rate paid is higher than most mortgage rates. You access the funds when you need them, by using convenient checks or credit card type instruments provided by the lender. HELOC  Loan, Credit, Lien, Liability & debts are a good choice for those who want to borrow easily, with very few closing costs, and who want to borrow at their own pace, without using credit cards, and are handy for purchases or other outlays of cash that are relatively small.

The common home equity  Loan, Credit, Lien, Liability & debt – also known as a 2nd mortgage – is somewhat more complicated to apply for, but it has its own rewards. Unlike a HELOC, the typical home equity  Loan, Credit, Lien, Liability & debt requires closing costs and fees related to originating the  Loan, Credit, Lien, Liability & debt. So for a short-term  Loan, Credit, Lien, Liability & debt, it may not be the less expensive option. For longer periods of borrowing, or for larger amounts that will incur substantially more interest, however, it is a great option. And many of the closing costs, plus the monthly interest payments, will be tax deductible for most homeowners.

These home equity  Loan, Credit, Lien, Liability & debts or 2nd mortgages come with lower interest rates, which is a big advantage. One or two points of interest can cost hundreds or thousands of dollars over a period of years. And whereas a HELOC will normally be an adjustable rate  Loan, Credit, Lien, Liability & debt – meaning that your payments might increase if interest rates keep going up – you can acquire a home equity  Loan, Credit, Lien, Liability & debt with a fixed rate, and keep that rate for the entire life of the  Loan, Credit, Lien, Liability & debt. Weigh the pros and cons of each, and then choose the alternative that is best for you.

 

Consolidate Credit Card Debt - Eliminate Debt With A Home Equity  Loan, Credit, Lien, Liability & debt

According to national surveys, the average household carries a credit card balance of approximately $8,000. Because of high finance fees, many people find that it is difficult to reduce their consumer debts. While bankruptcy is a tempting option, it is important to explore other alternatives for eliminating debts.

Benefits of a Debt Consolidation  Loan, Credit, Lien, Liability & debt

One approach for eliminating or reducing debts involves acquiring a debt consolidation  Loan, Credit, Lien, Liability & debt. Although debt consolidation...

debt consolidation, credit card debt, home equity  Loan, Credit, Lien, Liability & debt

According to national surveys, the average household carries a credit card balance of approximately $8,000. Because of high finance fees, many people find that it is difficult to reduce their consumer debts. While bankruptcy is a tempting option, it is important to explore other alternatives for eliminating debts.

Benefits of a Debt Consolidation  Loan, Credit, Lien, Liability & debt

One approach for eliminating or reducing debts involves acquiring a debt consolidation  Loan, Credit, Lien, Liability & debt. Although debt consolidation  Loan, Credit, Lien, Liability & debts will not miraculously eliminate your debts, these  Loan, Credit, Lien, Liability & debts make is possible to reduce your debts faster.

Credit cards have high finance fees. Hence, it is difficult to pay down balances. In most cases, the minimum payment barely covers the finance charges. This makes it difficult to reduce the credit card balance. If you obtain a debt consolidation  Loan, Credit, Lien, Liability & debt, all your credit balances are lumped into one  Loan, Credit, Lien, Liability & debt. Furthermore, debt consolidation  Loan, Credit, Lien, Liability & debts have reasonable interest rates. This enables you to become debt free within a few years.

Using a Home Equity  Loan, Credit, Lien, Liability & debt to Reduce Debts

There are various ways to obtain a debt consolidation  Loan, Credit, Lien, Liability & debt. Individuals with good credit may qualify for a personal debt consolidation  Loan, Credit, Lien, Liability & debt. Moreover, if you own a home, it may be possible to get approved for a home equity  Loan, Credit, Lien, Liability & debt. Home equity  Loan, Credit, Lien, Liability & debts are ideal because the rates are low and the terms fixed. Usually, homeowners are able to repay the money in five to seven years – sometimes less.

With a home equity  Loan, Credit, Lien, Liability & debt, your equity works as the collateral. If your home’s equity is $10,000, it may be possible to obtain a  Loan, Credit, Lien, Liability & debt up to this amount. The funds can be used for anything. For the most part, homeowners use home equity  Loan, Credit, Lien, Liability & debts to payoff credit card debts. Other uses for a home equity  Loan, Credit, Lien, Liability & debt include home improvement, college expenses, etc.

Disadvantage of a Home Equity  Loan, Credit, Lien, Liability & debt

Home equity  Loan, Credit, Lien, Liability & debts are very useful. However, it is essential to use the funds wisely, and borrow only what you can afford to payback. Home equity  Loan, Credit, Lien, Liability & debts create another monthly bill. If using the money to payoff credit card balances, avoid accumulating additional debts. Increasing your total debts may create a financial burden. If acquiring a home equity  Loan, Credit, Lien, Liability & debt, avoid over extending yourself. Failure to repay a home equity  Loan, Credit, Lien, Liability & debt will result in foreclosure.

 

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<p>Hi All,</p>
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<p><span class="style1"><a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com" target="_blank">Home  Loan, Credit, Lien, Liability & debts California (CA)</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com">California Mortgage  Loan, Credit, Lien, Liability & debts</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com/no-down-payment- Loan, Credit, Lien, Liability & debts.htm">Home Purchease and Refinance in CA</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com">Home Equity  Loan, Credit, Lien, Liability & debts California USA</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com/home-equity-line-of-credit.htm">HELOC at CA</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com">No Closing Cost Home  Loan, Credit, Lien, Liability & debts in California (CA)</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com" target="_blank">California Home  Loan, Credit, Lien, Liability & debts</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com">ARM  Loan, Credit, Lien, Liability & debts</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com/second-mortgage- Loan, Credit, Lien, Liability & debts.htm">Fixed Second Mortgage  Loan, Credit, Lien, Liability & debts USA</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com/links1.htm">CA Home  Loan, Credit, Lien, Liability & debt Links</a> | <a href="http://www.maicohome Loan, Credit, Lien, Liability & debts.com/no-down-payment- Loan, Credit, Lien, Liability & debts.htm">Zero Down Payment Home  Loan, Credit, Lien, Liability & debts California </a></span></p>
<p>Thanks,<br />
John
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