Jean Chatzky Quotes About Loan

• Rolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.

  Jean Chatzky

  Ideas, Rolling, Debt

  Fuente: www.nbcnews.com

• Una consolidación sólo tiene sentido si puede reducir su tipo de interés global. Muchas personas consolidan sus deudas pidiendo un préstamo sobre el valor neto de la vivienda o una línea de crédito sobre el valor neto de la vivienda (HELOC), refinanciando una hipoteca o pidiendo un préstamo personal. A continuación, utilizan esta deuda más barata para pagar deudas más caras, con mayor frecuencia préstamos de tarjetas de crédito, pero también préstamos para automóviles, préstamos privados para estudiantes u otras deudas.

  Jean Chatzky

  Home, People, Cards

  Fuente: www.nbcnews.com

• You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC [ home equity line of credit ] - you're taking an unsecured debt and turning it into a secured debt.

  Jean Chatzky

  Home, Needs, Cards

  Fuente: www.nbcnews.com

• In about one-third of credit card consolidations, within a short period of time, the cards come back out of the wallet, and in no time at all, they're charged back up. Then you're in an even worse position, because you have the credit card debt and the consolidation loan to worry about. You're in a hole that's twice as deep - and twice as steep.

  Jean Chatzky

  Worry, Cards, Credit

  Fuente: www.nbcnews.com

• Even in the days of the tightest credit in 2008, HELOCs [ home equity line of credit ] and home equity loans were being made.

  Jean Chatzky

  Home, Credit, Lines

  Fuente: www.nbcnews.com

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