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Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) is a form of revolving credit that includes a draw period followed by a repayment period. During the draw period, you can borrow funds, up to your credit limit, as you need them. Your monthly payment will vary based on the amount you draw and current interest rates.During the repayment period, you pay back the outstanding balance of the borrowed funds in addition to interest. You may choose to make additional payments to pay down your principal balance at any time.
Apply for Home Equity Line of Credit (10-Year Draw Period, Principal & Interest)

This HELOC option has a 10-year draw period, followed by a 20-year repayment period.

During the draw period, you will make principal plus interest payments. During the repayment period, your payments will be calculated to be a substantially equal amount each month for the remainder of the term. HELOC's from Citi have a variable interest rate which fluctuates based on the Prime Rate. If the variable interest rate changes, your payment will be recalculated at the end of the billing cycle to keep the amount equal from that point forward. Therefore, fluctuations in Prime Rate may cause your minimum monthly payment amount to increase or decrease throughout your term.
Apply for Home Equity Line of Credit (5-Year Draw Period, Interest Only)

This HELOC option has a 5-year draw period, followed by a 20-year repayment period.

During the draw period, you can choose to make interest-only payments. During the repayment period, your minimum monthly payment will decrease over time as principal is paid down. HELOC's from Citi have a variable interest rate, which fluctuates based on the Prime Rate and may also cause your minimum monthly payment amount to increase or decrease throughout your term.
 
Fixed Rate Home Equity Loan
Apply for Fixed Rate Home Equity Loan (Fully Amortized)

A Fixed Rate Home Equity Loan provides you with a fixed amount of money repayable at a fixed rate over a set period of time. Your monthly payment, made up of principal and interest, will remain the same throughout the life of the loan, but the portion of the payment that goes toward principal will increase over time
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