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· If you use a long-term home equity loan for a short-term expense, even with a lower APR, you could pay more interest over time than if you had used a different form of financing. Home equity loans are commonly available for up to 30 years, while personal loans typically have a maximum repayment period of seven years.
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Additional restrictions apply to Texas home equity loans. The advertised rates are based on certain assumptions and loan scenarios. The following examples describe the terms of a typical loan for rates available on Aug. 23, 2019 and subject to the assumptions described immediately above.
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