I’m 23, I have around 50k in equity and I have no idea what to do with it. I have 1(one) high interest credit card along with the mortgage and two cars.
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I’m 23, I have around 50k in equity and I have no idea what to do with it. I have 1(one) high interest credit card along with the mortgage and two cars.
Literally illiterate when it comes to money matters.
Can you even get a HELOC? Need like at least 10% in equity to get it. If anything, leave your equity alone and pay off you credit card the hard way. Learn your lesson whole you’re young.
Nothing. You. Do. Nothing. With. It.
You’re presumably in 30 years of debt to the bank. The bank owns your home, not you. That $50k is a small but VERY good start to owning what you own. It’s not a bank account or wasted opportunity.
You’re not illiterate, you’re 23 and you’ve purchased a home, and are presumably making on time payments. You’re a lot further along than I was at your age.
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You dont do anything with it. Its just there. HELOCs are floating, too, so as interest rates go up so does the HELOC rates. Now is not a very good time to just start taking loans. Which is exactly why the fed is raising rates in the first place.
In general, you don’t “do anything” with house equity. Equity is simply the difference between what the house (an asset) is worth and what you owe (liability) for all your loans tied to the property. It’s something that adds to your overall net worth, but it’s not “real money” sitting there for you to spend.
You only have two options to “cash out” on equity: you sell the house or you borrow new batch of money secured by the property. The first option means you have to find a new place to live. The second one gets you cash, but your equity is reduced (since you have a new loan), and the amount of money you’ll pay back on that loan over the long term will be higher than the cash you received.
Borrowing against your house can sometimes a good strategy. Home upgrades, remodeling, unexpected repairs, etc. are pricey. Financing those costs with a loan secured against the house can be cheaper than other options, and buying something “for the house” is reasonable to borrow against the property.
It can sometimes also be a tool to manage high amount debt. You take out a low-interest loan against your house to pay off higher-interest ones. This doesn’t change *what* you owe, only *to who* you owe it. You’re still in the same sized hole, it’s just in a different place and (ideally) not getting bigger as fast. But new loans have their own costs, so paying $500-1000 to get a HELOC (on top of what you’re borrowing) to pay off a credit card so you can save $300 on future interest isn’t a good deal. But generally a debt situation is better resolved in other ways (budgeting, cutting expenses, increasing income) instead of shuffling debt around.
Banks prefer to only loan you money against your house up to a “loan to value” (total of all old+new balance divided by value) of 80%. The dollar amount of your equity doesn’t matter. If you have $50k equity on a $100k house, then you could potentially borrow another $30k and stay under that threshold. If you have $50k equity on a $500k house, then your LTV from just your mortgage is 90%, and you won’t be able to borrow anything new.
Your home equity should not be treated as an ATM to pull from for whatever.
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Średnia cena fryzjera to około 50 dolarów za godzinę. Jednak koszty dostaw i usług mogą się znacznie różnić, dlatego ważne jest, aby zapytać o te ceny przed zarezerwowaniem wizyty. Ponadto niektóre salony fryzjerskie oferują zniżki dla klientów płacących z góry lub w ramach programu lojalnościowego.
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