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[Music] hi my name is Craig Rowin burger marketing director at Ephrata National Bank here with the latest installment in our series on home equity borrowing today Im going to discuss home equity line of credit draw periods a draw period is the period of time you can access funds available on a home equity line of credit now a draw of period can vary from bank to bank even from product to product and its typically in a range of 10 to 25 years monthly payments during the draw period are interest-only meaning you are not required to pay principal you can if you want but during the draw period its not required banks will usually set a minimum payment such as $100 so if you accrue less interest than $100 that will be your minimum payment anything as part of that payment over the interest then goes towards principal if you accrue more interest than your minimum payment then that will be your payment for that month when the draw period ends the repayment period begins at this point you ar
