The margin is the amount that is added to the prime rate to determine the borrower's rate when the start rate period ends. The margin is borrower specific - it can vary with a number of features of the borrower and the property, but the major ones are the borrower's credit score and the amount of equity supporting the HELOC. Equity is the property value less the balance on a first mortgage if there is one less the maximum draw amount on the HELOC. Obviously the critical price feature of a HELOC, which should be the major focus of smart shoppers, is the margin. They won't get any help from the lenders because the dominant practice is to quote the start rate, which is like an automobile dealer advertising the price of the tires.
The Netherlands. The name Holland is sometimes used to mean the entire country of the Netherlands. Amsterdam (in North Holland) is the largest city and capital of the country, and The Hague (in South Holland) is the seat of government.he provincy of Holland in the Netherlands was divided into two in 1840 after also being separate departments (Maasland and Amstelland) prior to occupation by France in 1810. â¦ The capital of North Holland (Noord-Holland) is Haarlem.
Talking about the Netherlands, people often incorrectly call it Holland. In fact, only the central part of the Netherlands is geographically named Holland. This part of the country consists now of two provinces Noord Holland (North Holland) and Zuid-Holland (South Holland).This is the region with important cities as Amsterdam, Rotterdam, The Hague (Den Haag), Delft, Leiden and Haarlem.The Netherlands is located in North Western Europe, at the West and North-West coastline the North Sea; the country borders with Belgium from the South and Germany from the East and Northeast.alking about the Netherlands, people often incorrectly call it Holland. In fact, only the central part of the Netherlands is geographically named Holland. This part of the country consists now of two provinces Noord Holland (North Holland) and Zuid-Holland (South Holland).