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This matters, because Australian governments have been pretending for decades that there are easy and costless ways to make housing more affordable. And over that time the problems have become worse..
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If you use a long-term home equity loan for a short-term expense, even with a lower APR, you could pay more interest over time than if you had used a different form of financing. Home equity loans are commonly available for up to 30 years, while personal loans typically have a maximum repayment period of seven years.