Question:
Should I use the equity in my home to consolidate debt?
Inicio la equidad y la consolidación de la deuda
La consolidación de deuda es cuando usted toma un préstamo, por lo general recurriendo a la equidad en su casa, para pagar la deuda de interés más altas, por lo general la deuda de tarjeta de crédito. Los prestamistas de hipotecas hacer un montón de dinero en estos tipos de préstamos, que es por eso que los empujan tan duro. Hay tasas de solicitud y el cierre de las tasas para los préstamos de consolidación de deuda. Además, algunos prestamistas cobran tasas para que pueda obtener una tasa de interés más bajos. Todo lo que dijo, es un derecho de consolidación de la deuda de préstamo para usted? Si usted es dueño de su casa y tener equidad importante en él, podría ser. Los beneficios de aprovechar equidad de su casa son que usted puede pagar su deuda a tasas de interés considerablemente más bajo. Además, algunos o todos los intereses que pague el préstamo puede ser deducible de impuestos. El inconveniente es que la mayoría de las líneas de capital de la vivienda de crédito o refinancia ampliar el período de amortización, por lo que puede terminar pagando más por la deuda en el largo plazo. Además, si se utilizaran los fondos de capital en su casa y una verdadera emergencia azules de huelga - decir que pierde su empleo o tiene una emergencia médica catastróficas? No sería capaz de recurrir a su capital a fianza. Por último, si usted sospecha que sólo va a dar la vuelta y correr hasta la tarjeta de crédito los saldos de nuevo, no toque la equidad de la vivienda. Si usted no puede pagar sus cuentas, usted podría terminar en la calle.
Préstamos Personales Frequently Asked Questions
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Should I use the equity in my home to consolidate debt?
What alternatives are there to home equity debt consolidation loans?
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Where can learn how to manage my money better?
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What is a short-term personal loan?
Do traditional banks offer short-term personal loans?
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What are the drawbacks of a short-term personal loan?
What are the alternatives to a short-term loan?
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Are there steps I can take to protect myself as a co-signer?
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Should I take a loan or use my credit card?
What are the terms of Check 21?
What are my rights under Check 21?
What are my responsibilities under Check 21?
What are my bank's responsibilities under Check 21?
How did check processing used to work?
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Can I get bank fees back that were charged in error?
Where can I find more information on Check 21?
Why did my interest rate go up?
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How can I avoid late payment fees when paying electronically or by phone?
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Can I get credit in the future if I declare bankruptcy?
Will all my debts be wiped clean if I file bankruptcy?
Should I transfer my credit card balance?
How do I get my creditors to leave me alone?
Can I negotiate my own debt relief plan with creditors?
| Guru Spotlight |
| Lynne Christen |
