Equity Studio Pro

Home Equity Lines of Credit (HELOCs) have become a global tool for wealth management. Whether you're in New York, London, or Mumbai, tapping into your property's value requires a deep understanding of **Combined Loan-to-Value (CLTV)** ratios.

How Global Markets Differ

In the USA, LTV limits are often capped at 85%. In the UK, equity release products might have stricter criteria, while in India, Loan Against Property (LAP) functions similarly but with fixed repayment terms. TrendCart's Equity Studio Pro adjusts the currency symbols and formatting to match your specific market.

Phase 1: The Draw Period

Usually lasting 10 years, this phase is flexible. You only pay interest on the amount you withdraw.

Phase 2: The Repayment Period

This is where "Payment Shock" occurs. The revolving line freezes, and you must pay back the full principal plus interest over 15-20 years. Our tool visualizes this jump so you can prepare your cash flow years in advance.