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Last year I bought Mrs Sixter an X5 with that 3.5% NFCU loan Bob Z mentioned. That said, if you own your home (or share it with a bank), the home equity loan can be a good way to get cash.
Payments are effectively spread over 20-30 years. And might be deductible. "Consult your tax adviser" is the usual caveat.
My local Bank of America pushed some very good terms at us. Still considering.
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Mike
04 Boxster S - Basalt/Savanna, 6sp, Carrera lites, hardtop
70 914-6 - Black over tan, original/stock
PCA since 1970
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