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Craig Rowin, marketing director at Ephrata National Bank, explains home equity line of credit draw periods. This period allows access to funds on the line of credit, which typically lasts 10 to 25 years. Monthly payments are interest-only during this period, with banks setting a minimum payment, usually around $100. Any payment over the interest goes towards the principal. Once the draw period ends, the repayment period begins. Minimum payments may change after this point.
