HELOCs are adjustable rate mortgages, and HELOC rates have two components: a set base rate called a âmargin,â plus a fluctuating rate called an âindex.â Each month, your HELOC lender will calculate your payment using your current balance and the combination of these two components as your rate. The margin for your HELOC is based on your credit score and how much equity you have in your home. When you find a HELOC lender, they will run a single credit report that merges your credit history from all three major credit bureaus: Equifax, TransUnion, and Experian.
Capital of Guinea. The Capital City of Guinea (officially named Republic of Guinea) is the city of Conakry. The population of Conakry in the year 2007 was 2,000,000. Guinea, formerly known as French Guinea, is a French speaking country on the coasts of the Atlantic Ocean.
Equatorial Guinea gained independence in 1968 after 190 years of Spanish rule; it is one of the smallest countries in Africa consisting of a mainland territory and five inhabited islands. The capital of Malabo is located on the island of Bioko, approximately 25 km from the Cameroonian coastline in the Gulf of Guinea.