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HELOCs come with a draw period and repayment period. Through the draw period, which frequently lasts about 10 years, you possibly can spend the cash in your credit score line. Your monthly funds would cover mostly the interest and a little little bit of the principal on any excellent stability. In the course of the reimbursement period, which usually lasts around 15 years, your monthly funds would in all probability be higher because they’d embody more principal.
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