As a homeowner, you often need extra cash for home improvements. One option is to take out a secondary loan, otherwise known as a home equity loan, to remodel your home. If you stay up-to-date on loan choices you may elect to choose a home improvement equity loan.作为业主,你常常需要额外现金回家改善.一种选择是购买二手贷款称为一个家股本贷款改装你的家.如果你留了最新贷款抉择你选择回家选出改善股本贷款. The equity loan provides an option for improving your home's value by providing cash to make repairs or remodel your home. You can use the cash for external and internal repairs, carpeting, tiling, floors, painting outside and inside structure, roof repairs, plumbing repairs, structural modifications, structural repairs, and structural remodeling.股本贷款提供选择,让你回家改善的价值,以现金进行修理或改装你的家.你可以用现金外部和内部维修地毯、块、地板、油漆内外结构,修理屋顶,水管修理、改装结构,结构修理和结构重塑.

The maximum loan amount you can borrow depends on your status with the lender.最高贷款金额取决于你的身份,你可以借用与放款. If you've had prior loans and showed good faith, then the lender may offer 100% equity lending, as a new customer you may receive 85% more or less on equity lending.如果您事先表明贷款及善意然后贷方可提供100%股本贷款,作为新客户,你可以得到85%的股本贷款差不多. The loans are often extended up to 15-years; however, few lenders will offer longer terms or shorter terms, depending on the lender and the outcome of the application. Most lenders offer joint and single packages, however, both are responsible if more than one party applies for the loan.贷款期限通常为15年;然而,很少会提供长期贷款或有期徒刑、依靠贷款和成果的应用.最放款联合开办单一套餐,但如果以上都是负责一方申请贷款.

Home improvement equity loans come in fixed rate or adjustable rate options.回家来改善股本贷款固定利率或可调整利率期权. However, the fixed rate may often be your first choice, since the loans interest will remain constant–and you will not be subject to the fluxuations of the market.但是,固定汇率通常会被你第一选择,由于贷款利息将维持不变,不会受到你的fluxuations的市场.

However, if you take out the adjustable rate loans you are subject to pay higher or lower interest rates per quarter on the loan.不过,如果你把你的可调整利率贷款受付利息高于或低于每季度的贷款. Many home improvement loans require that an “independent contractor” oversees the improvements of the home; and thus home improvement loans are intended国内许多改进贷款规定是"独立承包"监督改善居住;而贷款的目的是改善家居
to improve the home, forcing the borrower to utilize the cash only for repairs and improvement. Some lenders may place penalties on home improvement equity loans to guarantee the loan is used for its intentions.为改善国内强迫借款利用现金仅修理与改善.有的惩罚可能使国内放款改善股本贷款保证贷款用于其意图.