When deciding whether to apply for a home equity loan or a line of credit, it?s important to consider how much you?ll need and how soon you?ll need it.? If you want a fixed amount of money for a specific purpose (e.g., remodeling the kitchen), you may wish to take out a home equity loan that advances you the total amount up front. If instead you?ll need an indeterminate amount over a few years (e.g., funds for ongoing college expenses), you may benefit most from a home equity line of credit that you can draw on when needed.
Source: http://dollarwiseblog.dallasnews.com/2012/10/home-equity-loan-vs-home-equity-credit.html/
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