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How long is the repayment period for my HELOC?

The repayment period is the time during which you must repay any outstanding principal and interest on your HELOC. 
 
The length of your repayment period will depend on your outstanding HELOC balance at the start of the repayment period. If your outstanding balance is less than $20,000, the repayment period will be 10 years. If your outstanding balance is $20,000 or greater, the repayment period will be 15 years. 

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