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.
Explore map of Amsterdam, it is the capital city and most populous city of Netherlands.Its status as the Dutch capital is given by the Constitution of the Netherlands. It has a estimated population of 825,080 within the city proper, 1,590,520 in the metropolitan area and 1,317,663 in the urban area.xplore map of Amsterdam, it is the capital city and most populous city of Netherlands.