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Equity Building System

How Does The EBS Work?

The Equity Building System (EBS) is based on the simple concept of making one extra payment, per year, to principal. This, in turn, will reduce the total amount of interest paid over the course of the loan. We accomplish this by systematically collecting loan payments every other week, since there are 52 weeks in a calendar year, this totals 26 half payments. The 26 half payments are the equivalent of 13 full payments, with the "extra payment" being applied directly to principal. This simple concept significantly reduces the total amount of interest paid over the course of the loan.

Interest Savings Example

Regular Loan Terms

Loan Amount: $150,000
Interest Rate: 9%
Loan Payoff: 30 years
Monthly Payment: $1,206.94
Interest Saved: $0
Payments Saved: 0

EBS Payment Program

Loan Amount: $150,000
Interest Rate: 9%
Loan Payoff: 21.9 years
Bi-weekly Payment: $603.47
Interest Saved: $88,377
Payments Saved: 97

All calculations are for illustration purposes only. Equity Building System does not guarantee these exact savings and is not liable for Lender inaccuracies. These calculations do not include standard processing fees.

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