Consolidating home and personal loans

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The average variable credit card interest rate was 17.87 percent as of late April, according to Bankrate data.

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The ability to lock in a lower rate not only saves money in the long term, but can also equate to a lower monthly payment and help you pay down the debt faster.Your home’s equity is its current value minus the loan balance you still owe.Tapping too much of your equity is risky, and you could wind up underwater in your mortgage if market conditions turn.A home equity loan also enables you to lock in an interest rate, unlike a credit card that can increase at any time.

Additionally, with a home equity loan, more of your monthly payment goes toward the principal rather than the interest.

While a home equity loan or HELOC can be a good way to consolidate and better manage debt, it comes with several risks and downsides: Unlike opening a credit card or filling out an application for a personal loan, applying for a home equity loan or HELOC is a more in-depth process.

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  2. eric   •  

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