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A prepayment penalty means that the lender can charge you a charge if you pay off your mortgage early. If your loan involves a prepayment penalty, discover a lot more and ask your lender about your other selections. If you have some combination of very good to great credit, a low debt-to-income ratio, steady income and assets, you can probably qualify for most varieties of loans. Use loan calculators to answer your concerns and assistance you compare lenders so you get the most effective loan for your economic scenario. A revolving loan can be spent, repaid, and spent once more, though a term loan refers to a loan paid off in equal month-to-month installments over a set period. A credit card is an unsecured, revolving loan, even though a household equity line of credit is a secured, revolving loan.


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