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Life and homeownership can throw big expenses your way. If you’re currently weighing your financing options for home improvements or to consolidate and pay down debt, a home equity line of credit might be the right option for you. There are two types of Home Equities offered by Banks/NBFC’s
Common uses of Home Equity include repairs and upgrades to your home, paying down higher-interest rate debt and paying for tuition or other expenses. Home Equity interest rates are variable and may change over time. These loans are economical, because they are secured against your property
HE-LAP(TL) Term Loan has a fixed EMI (Principal & interest) is the most common. With this, your minimum monthly payments during the repayment period are made up of a combination of both principal and interest. You may choose to make additional principal payments at any time without penalty, to reduce your outstanding balance.
HE-LAP(DLOP) Drop Line Overdraft has a draw down repayment period with Interest-only payments on your outstanding balance during the draw period. Making interest-only payments means you're not paying down the principal and you might be surprised by the larger payments required during the repayment period. You may choose to make additional principal payments at any time without penalty, to reduce your outstanding balance.
Throughout the loan period, you’re able to withdraw funds from your account (up to your credit limit) whenever you need them and make interest only payments or payments on your outstanding balance, plus interest.
During the draw or repayment period, if you decide that you prefer the stability of a fixed EMI, you can convert your outstanding balance, or a portion of it, to a fixed repayment term if your account is up to date. Converting all or part of your outstanding balance from a interest only to a fixed EMI helps you manage and make monthly budgeting easier.
For details about home equity rates and other information, please email us info@paisaexpress.co.in or provide us your contact details to we will have one of our representatives call you.r
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