内容摘要：Chelsea fans arrive for the Europa Conference League final soccer match between Real Betis and Chelsea in Wroclaw, Poland, Wednesday, May 28, 2025. (AP Photo/Denes Erdos)

Chelsea fans arrive for the Europa Conference League final soccer match between Real Betis and Chelsea in Wroclaw, Poland, Wednesday, May 28, 2025. (AP Photo/Denes Erdos)

Interest rates on HELOCs are usually reasonable relative to other forms of credit, particularly if you maintain a good credit rating, have a fair amount of equity in your home, and aren’t taking out a huge loan.But if you’re not a perfect borrower, you could be asked to pay a high interest rate or be denied the line of credit altogether.

Unlike a 401(k) loan, which requires that you pay the money back, funds you take out of a 401(k) viacannot be paid back.Moreover, you’ll owe taxes on any untaxed dollars you pull out of the account. You’ll also owe an additional 10% penalty unless you’re age 59.5 or older or

allows older homeowners to receive a pool of assets that represents equity in their homes. The homeowners don’t have to repay the loan as long as they’re in their homes, but when they do leave, the borrowed amount, plus interest, is deducted from the home’s value.Reverse mortgage rates can vary widely, so shop around and read the fine print.

A margin account allows you to borrow against the value of the securities in your brokerage account.

This option would be most attractive for those who have assets but don’t want to sell them because that would mean unloading them at a bad time and/or incurring tax consequences. If you expect to be able to repay the money quickly, a margin loan could work.Bureau of Indian Affairs, Fredonia, Ariz. (1,500 square feet)

United States Fish and Wildlife Service, Grand Junction, Colo. (1,444 square feet)National Oceanic Atmospheric Administration, Hampton, Va. (911 square feet)

Employment Standards Administration, Wage and Hour Division, Harlingen, Texas (612 square feet)Rural Housing Service, Harrisburg, Pa. (34,467 square feet)