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Knife Party | Home equity loan to pay off 2 cars and 5 grand credit card debt. Good Idea or bad idea? |
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artybmore
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Good idea, just don't go and run up more debt once your relieved of it. |
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nuked25
 |
Good idea, especially if the interest rate on the loan is a lot lower than the average of your other loan debts. |
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italianprincess_fl
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Im a loan processer
Its is a good idea to pay off your debt but keep in mind your mortgage payment will be higher but at the same time you wont have those other payments. |
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Alvin
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Very bad Idea. Pay and cancel credit cards one a time while sending minimum to others. Cars deptreciate too fast to pay off with equity loan. Don't do it. |
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sk001_h8r
 |
bad idea BUT if it's the only way u gotta do it cuz soon cridet carts will have interests and then u have to pay more than the real amounts of money.
generally bank loans aren't very good (esp. if they are long term ones) becuz u have to pay the money twice back what u've taken (cuz of interestes) |
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Puzzleman
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Your equity home loan is MOST probably at a lower interest rate than your car loans and (especially) your credit card debt.
Sounds like a smart move to me. |
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jdc4ou
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Probably a bad idea. If you get this loan to pay off debt and haven't changed your behavior pattern and you charge up your credit cards again and buy new cars you will be worse off than before because you will still have the original debt and new debt. If you use it to pay off debt and cut up your credit cards and stand firm on not getting into debt again, then it will be a good idea. |
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mazziatplay
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Since the interest on the mortgage may be able to be written off on your income taxes it may be a good idea, especially to get rid of the credit cards but a great deal depends on the rate on the cards to be paid in full and how long you plan on taking to payoff the line of credit.
Lines of credit are usually an adjustable rate loan based on the prime rate of interest so the rate may fluctuate. The prime rate is lower than a fixed rate second mortgage and I do lines of credit at no cost to my borrowers. My lines of credit also afford you the opportunity to fix all or part of the balance due at given times if you like.
firsthorizonusa.com. After the .com type in /nancylabont You may apply on-line at no charge. |
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bigjim
 |
More new debt to cover old debt is usually not the best choice... It will free you up to spend more down the road... credit rating is not helped by this either... |
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blueyed
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First check into refi on cars, credit unions are good, call credit card companies and see about lowering your rate. If none of these are possible and you have a lot of equity, talk to your bank about rates. Remember when you use the equity you are putting your house on the line if you default. If you have enough equity to pay the bills and invest in a tax free fund, you might get a check each month to help pay off the equity loan. Do not use all the equity money as your payments could be higher than what you pay now. The plus side is, depending on what you use some the moneys for, you might get a tax deduction on the interest paid. |
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DoveDog
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As long as you don't use the equity for anything else and you pay very aggressive payments, it should be fine.
But, why not just refinance car loans at lower rates? You can get a car loan for alot cheaper than your equity line can allow you.
Always go with cheapest rate. |
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