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812. Estimated Home Equity Debt Outstanding, by Type and Source of Credit
[In billions of dollars (258 represents $258,000,000,000).A "traditional home equity loan" is a closed-end loanextended for a specific period that generally requires repayment
ofinterest and principal in equal monthly installments. Such a loantypically has a fixed interest rate. A "home equity line of credit" isa revolving account that permits borrowing
from time to time, at thehomeowner's discretion, up to the amount of the credit line. It usuallyhas a more flexible repayment schedule and a variable interest rate.Based on reports
from lending institutions and data from the Survey ofConsumers, a sample survey of households]
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HOME EQUITY
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TRADITIONAL HOME
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LINES OF CREDIT
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EQUITY LOANS
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YEAR
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Total
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All
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Commercial
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Other
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All
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Commercial
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Other
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lenders
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banks
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sources
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lenders
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banks
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sources
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1990
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258
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105
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61
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44
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153
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54
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99
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1991
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262
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114
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70
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44
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148
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53
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95
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1992
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258
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114
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73
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41
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144
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50
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94
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1993
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261
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110
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73
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37
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151
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49
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102
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1994
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274
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116
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76
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40
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158
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54
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104
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1995
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299
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123
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79
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44
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176
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61
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115
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1996
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347
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132
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85
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47
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215
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69
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146
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1997
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420
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152
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98
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54
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268
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76
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192
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1998
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470
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153
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96
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57
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317
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80
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237
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Source: Board of Governors of the Federal Reserve System, Federal Reserve Bulletin, July 1994 and April 1998; andunpublished data.
http://www.federalreserve.gov/rnd.htm
https://allcountries.org/uscensus/812_estimated_home_equity_debt_outstanding_by.html
These tables are based on figures supplied by the United States Census Bureau, U.S. Department of Commerce and are subject to revision by the Census Bureau.
Copyright © 2019 Photius Coutsoukis and Information Technology Associates, all rights reserved.
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