КРС

Plan for the day the draw period ends.Model both phases of the lineDuring the draw period, the agreement may let you borrow and repay repeatedly within a limit. When that period ends, new borrowing stops and repayment terms change. Ask for examples based on the balance you expect to owe at that transition.A variable rate can change the cost even before the repayment phase. Read how the index and margin set the rate, any introductory period and applicable limits. Ask whether a fixed-rate conversion is available and what it costs rather than assuming it is automatic.Other arrangements to compareHome equity loanCompare a lump sum and scheduled payments when the project cost is already known.Unsecured personal loanFor a smaller defined expense, compare a loan that does not add a lien on the home.Mortgage contextReview the complete housing budget alongside your existing mortgage and ownership costs.

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