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Spread your repayments more than a single to 5 years for loans of £15,000 or significantly less, or over a single to eight years for loans over £15,000. Bankrate's property equity calculator helps you decide how much you may be capable to borrow primarily based on your credit score and your LTV, or loan-to-worth ratio, which is the difference among what your house is worth and how considerably you owe on it. So for those who are at present with an upside down automobile loan or lenders who fear that the borrower would default, refinancing seems to be the best alternative.
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