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  2. What is the draw period on a HELOC and how does it work? - AOL

    www.aol.com/finance/draw-period-heloc-does...

    Unlike a credit card, however, a HELOC includes two main phases: the draw period and the repayment period. Combined, these two periods can last up to 30 years. The HELOC draw period is the first ...

  3. What to know about HELOC prepayment penalties - AOL

    www.aol.com/finance/know-heloc-prepayment...

    During the draw period: The draw period of a HELOC is the time during which you can borrow from your credit line. It typically lasts between five to 10 years. It typically lasts between five to 10 ...

  4. What is a HELOC? - AOL

    www.aol.com/finance/heloc-home-equity-line...

    Sudden repayment shock: You might be able to afford your HELOC payments during the interest-only period, but once the repayment term kicks in, the new monthly amount you owe, a combination of ...

  5. How does a fixed-rate HELOC work? - AOL

    www.aol.com/finance/does-fixed-rate-heloc...

    Generally, the terms — length of draw period and repayment period — are the same on both types of HELOCs. However, the fixed-rate variety might impose limits on borrowing that you won’t have ...

  6. Pros and cons of a home equity line of credit (HELOC) - AOL

    www.aol.com/finance/pros-cons-home-equity-line...

    Some lenders assess a fee if you pay off and close your HELOC early — during the draw period, or soon into the repayment period. This penalty can be problematic if you want to retire your debt ...

  7. HELOC and home equity loan requirements in 2024 - AOL

    www.aol.com/finance/heloc-home-equity-loan...

    To qualify for a home equity loan or line of credit, you’ll typically need at least 20 percent equity in your home. ... Terms: Up to 30 years (10-year draw period, 20-year repayment period ...

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