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25/02/2017, 10:12hrs

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05/03/2017, 13:24hrs

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With a Security Service Line of Credit, you'll have quick access to funds when you need them. Lines of credit may, or may not, have similar immediate monthly repayment requirements. Ask how you can spend money from the credit line — with checks, credit cards, or both. Some lenders provide borrowers with the ability to withdraw funds through an online banking system or a telephone banking system. If investors do tap a line of credit, that money has to be paid back (and the terms for such paybacks are spelled out at the time when the line of credit is initially granted). While credit cards always have minimum monthly payments based on a percentage of current credit balances , lines of credit do not necessarily include monthly payment requirements. In a scenario like this when you need funds immediately to fulfill a short-term demand, it would make sense to go for a line of credit.

Your credit limit will usually be set at around 80% of the value of your property. Yes, you can link your line of credit to protect your checking from returned items or overdraft fees. With a line of credit, you get approved for a maximum amount of funding that you can borrow (like a loan) but you don't have to receive all of the money at one (unlike a loan). Also like credit cards, the loan is essentially pre-approved and the money can be accessed whenever the borrower wants, for whatever use the borrower intends. Loan amount will be based on the borrower's credit worthiness and available equity. Some personal loans even have welcome offers that help you save money, such as cash credit or vouchers. Keep in mind that lenders have different eligibility criteria for different loans and this criteria can be more stringent for line of credit (LOC) and investment loans (particularly after APRA's intervention).

Another type of line of credit is the overdraft line of credit, available in your checking account That line of credit creates a small loan when you spend more than you have available in checking, and is usually less expensive than an overdraft fee (assuming you only overdraw by a few bucks). The program offers a flexible variable rate, and to access it, all you need to do is write a check. Just fill in the online application form and wait for the approval of your loan. Like any loan product, lines of credit are both potentially useful and potentially dangerous.

Lines of credit usually come with higher interest rates, but the minimum payment you have to make is lower. Lock portions of your line as fixed-rate loans (up to three), with stable payments and no rate risk - no new application needed. Unsecured loans, such as personal loans, usually have higher interest rates than those that are secured, such as home equity lines of credit. These rates may offer lower monthly payments at first, but during the rest of the repayment period, the payments may change — and may go up. Fixed interest rates, if available, at first may be slightly higher than variable rates, but the monthly payments are the same over the life of the credit line. You can open new accounts and apply for credit cards and loans within Online Banking.

Skip-A-Pay is available on consumer auto, recreational vehicle, motorcycle, and personal loans. The only principle is you have to pay back one line of credit before you can get another line of credit. The Personal Line of Credit interest rate is a variable APR based on the prime rate, plus margin. If you have a solid idea of the amount you'll need to borrow, a personal loan might be the best way to go, says Michelle Dosher, managing editor at the Credit Union National Association in Madison, Wisconsin. Unsecured: An unsecured credit line is available whenever you need it and can help manage unforeseen expenses or fill a gap when money is tight. To give an example, the bank may charge you a $50 transaction fee every time you make a draw from your line of credit. However, if you need to fund a renovation project, then a line of credit home loan or a personal loan may be feasible.

Tags: line credit, credit cards, credit line, interest rates, monthly payments