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is it smart to take out a home equity loan Home equity loan repayment. A home equity loan is much like a regular installment or auto loan. You borrow a certain amount and pay off the balance via fixed monthly payments at a fixed interest rate. There’s no fluctuation from month to month, so what you pay one month is the same as the next. HELOC repayment. If you have a home equity line of credit (HELOC), repayment is far different. It.
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