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.
although some people use holland when they are referring to the country of the netherlands holland is actually a region on the west coast of netherlandstwo of netherlands 12 provinces are north holland and south holland and together they constitute hollandthe biggest cities in the netherlands amsterdam rotterdam and the hague are in holland some dutch people who do not live in holland do not like it when people call the entire country hollandhe biggest cities in the netherlands amsterdam rotterdam and the hague are in holland some dutch people who do not live in holland do not like it when people call the entire country holland