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Amazon.com: House of 1,000 Corpses: DVD: Chad Bannon,William Bassett,Karen Black,Erin Daniels,Dennis Fimple,Walton Goggins,Sid Haig,Chris Hardwick,Jennifer Jostyn,Irwin Keyes,Matthew McGrory,Sheri Moon,Bill Moseley,Robert Allen Mukes,Michael J. Pollard,David Reynolds (VII),Tom Towles,Rainn Wilson,Harrison Young Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Great horror movies with NO co... : A list by mellowb780 Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 113 used & new from $7.34 Have one to sell? House of 1,000 Corpses (2003) Starring: Sid Haig , Bill Moseley Director: Rob Zombie Rating: See larger image Share your own customer images List Price: $14.98 Price: $9.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.99 (33%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Tuesday, January 3? Choose One-Day Shipping at checkout. See details 113 used & new available from $7.34 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape House of 1000 Corpses (Spanish) (Sub) $49.98 $47.48 2 used & new from $47.48 VHS Tape House of 1000 Corpses $9.98 $9.48 32 used & new from $0.84 Other Versions (Audio CD) Audio CD House of 1000 Corpses $18.98 $14.99 81 used & new from $2.98 Better Together Buy this DVD with The Devil's Rejects (Unrated Widescreen Edition) DVD ~ Sid Haig today! Total List Price: $42.96 Buy Together Today: $27.98 Customers who bought this DVD also bought The Devil's Rejects (Unrated Widescreen Edition) DVD ~ Sid Haig Saw (Widescreen Edition) DVD ~ Leigh Whannell Land of the Dead (Unrated Edition) DVD ~ Simon Baker StrangeLand DVD ~ Kevin Gage Explore Similar Items : in DVD , in Music Storyline Genres: Horror Tagline: The most shocking tale of carnage ever seen. Plot Outline: Two teenage couples traveling across the backwoods of Texas searching for urban legends of serial killers end up as prisoners of a bizarre and sadistic backwater family of serial killers. Plot Synopsis: In "House of 1000 Corpses", two young couples take a misguided tour onto the back roads of America in search of a local legend known as Dr. Satan. Lost and stranded, they are set upon by a bizarre family of psychotics. Murder, cannibalism and satanic rituals are just a few of the 1000+ horrors that await. Plot Keywords: Rabbit Suit | Roadside Attraction | Music Score Composed By Director | Body In Trunk | Corpse | Ghoul | Haunted House | Independent Film | 1970s | Blood | Gore | Murder | (Show all 60 plot keywords recommended by customers) Product Details Actors: Sid Haig , Bill Moseley , Sheri Moon , Karen Black , Chris Hardwick , See more Directors: Rob Zombie Format: Closed-captioned, Color, Ntsc Rated: (Not for sale to persons under age 18.) Studio: Lions Gate DVD Release Date: August 12, 2003 Run Time: 88 min (original theatrical or airing runtime) Average Customer Review: Based on 612 Reviews From IMDb: Quotes & Trivia ASIN: B00009MGEM Amazon.com Sales Rank: #1,516 in DVD Theatrical Release Information US Theatrical Release Date: April 11, 2003 MPAA: for strong sadistic violence/gore, sexuality and language. Production Company: Universal Pictures USA Box Office: $13 Million Budget Estimate: $7 Million Filming Locations: Universal Studios, Universal City, California, USA Editorial Reviews Amazon.com It's sick! It's twisted! It's House of 1,000 Corpses , and it's more fun than a wholesome bowl of "Agatha Crispies"! Dropped by two studios (Universal and MGM) and doomed to obscurity until Lions Gate Films gave it a limited theatrical release, Rob Zombie's gonzo horror flick is a blood-spattered throwback to the gore-fests of the '70s, lending new meaning to the term "box-office gross ." Most critics misunderstood this unbridled exercise in graphic style and violence, but for devoted horror buffs it's a refreshing rebuttal to the comparatively "polite" frights of the post- Scream era. While paying homage to The Texas Chainsaw Massacre , Last House on the Left , Motel Hell , and other gory classics, Zombie's ramshackle plot (two young couples are terrorized by an inbred family of homicidal maniacs) lacks a crucial sense of dread, but his pastiche of vivid colors, grainy fetish-films, and photo-negative imagery is guaranteed to hold your attention. A bona-fide cult item, this House is definitely worth a visit... if you dare. --Jeff Shannon Customers who viewed this DVD also viewed The Texas Chainsaw Massacre DVD ~ Jessica Biel House of 1000 Corpses ~ Various Artists House of Wax (Widescreen Edition) DVD ~ Elisha Cuthbert The Devil's Rejects ~ Original Soundtrack Explore Similar Items : in DVD , in Music , and in Toys & Games Spotlight Reviews Write an online review and share your thoughts with other customers. 45 of 61 people found the following review helpful: THE BOOGYMAN IS REAL, AND YOU FOUND HIM!! , August 16, 2003 Reviewer: Pamela Scarangello (Middletown, NJ USA) - See all my reviews I snatched this DVD off the shelf the day of its release, and for good reason. "House of 1000 Corpses" is absolutely the greatest grisly horror film I've ever seen! Watching the movie in its original theatrical premiere gave me the thrills and chills, and I don't even listen to any of Rob Zombie's music. What makes this film quite excellent is that it has finally reawakened the celluloid corpse of the horror genre; before this, Hollywood has churned out an obscene number of dull PG-13 teeny bopper flicks, including "Scream" and "I Know What you Did Last Summer." While paying homage to the low-budget shockfests of the 1960's and 70's, Zombie gives "House" a post-millenium twist with acidic photo negativity and twisted montages incorporating topless strippers, mutilated cadavers and snippets from campy black-and-white monster movies (provided by Dr. Wolfenstein's Creature Feature Marathon). Rob Zombie himself commented that a majority of "House's" gritty home video footage was shot through a hand-held camera in parts of Zombie's own basement! Also notice how NO high-tech computer effects were used; because "House" is set in the rural American South in 1977, the makers intended to stay true to that period (not to mention achieve realistic gore without overspending the budget). And of course the larger-than-life characters of "House of 1000 Corpses" are just as memorable as those in "The Rocky Horror Picture Show." In fact, in the DVD's featurette, Sig Haig happily confessed how he would like to see this film presented in any tiny theatre where audiences can yell back at the screen! Who wouldn't love to visit Captain Spaulding's Museum of Monsters and Madman and sample a bag of tasty fried chicken? Would you dare purchase a ticket to the scary Murder Ride and learn the legend of Dr. Satan? Or how about the psychotic Spiderfly family, who light up the flickering candles on Halloween night and fiendishly participate in a gruesome celebration (one in which cheerleaders are gagged, tied up and tortured)? Better yet, when was the last time a cinema fanatic witnessed a cult ritual of blood and fire, dedicated to the famous Dr. Satan himself?! Although I enjoy watching this film from beginning to end, I do have a few favorite moments. The first that immediately comes in my head is none other than the creepy Murder Ride, complete with cross-shaped tombstones, animatronic zombies and the awesome Captain telling the tragic tales of real-life serial murderers, molesters and cannibals (most notably Ed Gein, the notorious killer whose farmhouse was borrowed for "The Texas Chainsaw Massacre.") I love the part when Baby (Sherie Moon) struts her way to the stage in her glittering evening gown, lip-synching to "I Wanna Be Loved by You" like a cute Hollywood starlet. Such bizarre charm! Yet another moment that stands out in my mind is when the sadistic Otis (Bill Moseley) lops off a victim's right hand with an axe...all while the funky Commodore's hit "She's a Brick House" blares on the radio! Mother Firefly (played by the voluptuous Karen Black) sort of reminds me of a blond, venomous Sharon Osbourne from the South! You kiddies will be happy to know that actors Sid Haig, Sherie Moon AND Bill Moseley actually host the different menus on the DVD; after returning to their delightfully creepy roles in the film, they each provide color commentary DIRECTLY TO YOU! Unfortunately, the list of extras DOES NOT include any hardcore deleted scenes, but if you carefully listen to Zombie's commentary, you might get just a hint as to which kind of footage was edited out. The interviews segment is quite interesting to watch too. I think I like the part when Sid Haig (clown greasepaint and all) chose "House of Wax" as his most favorite horror movie. Each interview even unveils a brand new character action figure! I can hardly wait to see what Rob Zombie has in store for us in the future, when he prepares to unleash an even more violent sequel! RIP Dennis Fimple. Was this review helpful to you? ( Report this ) 42 of 58 people found the following review helpful: Much better than you might think , July 2, 2003 Reviewer: N. Durham "Big Evil" (Reading, PA) - See all my reviews Fans have anxiously awaited Rob Zombie's directorial film debut for over 3 and a half years now, and while the finished product of House of 1000 Corpses isn't scary one bit, it's a very fun dirty little film that reminds us that horror films are supposed to be fun. In the late 70's, four kids go cross country and come across hearing the legend of Dr. Satan; an insane doctor who performed ghoulish experiments on his patients. Soon they pick up a hitchhiker (the oh so hot Sheri Moon; Rob Zombie's real life girlfriend), and from this point any veteran fan of horror films knows whats going to happen next. Soon we meet her family which includes Trilogy of Terror vixen Karen Black and the always excellent Bill Moseley. Next there are plenty of predictable scares followed by some nice gore and make up effects, and the film bares a stunning resemblance to the original Texas Chainsaw Massacre. Zombie partly succeeded his intention; to make a truly scary horror film like the ones of old, and while House of 1000 Corpses isn't the most brilliant piece of horror film (or the most intelligent for that matter), it's a fun ride nonetheless, and Zombie shows some true directorial talent. The performances are great with Moseley stealing the entire show, his performance bearing striking similarities to his zany and hilarious deliverance of Chop Top in Texas Chainsaw Massacre 2, and the cast also includes a foul mouthed clown faced Sid Haig and a southern drawl spewing Walt Goggins (Shane on TV's The Shield). All in all, House of 1000 Corpses is a gritty little movie that horror buffs will find some appreciation for. If you find you like this check out older horror films like Texas Chainsaw Massacre 1 & 2, Last House on the Left, and the original Hellraiser. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 0 of 5 people found the following review helpful: Movie of 1000 Minutes , December 10, 2005 Reviewer: Chris Chris Chris - See all my reviews Read my review and learn, Rob Zombie: A good guitar riff can get you a 3-minute song, but for a feature length movie you need a good story. More is less. Was this review helpful to you? ( Report this ) 3 of 5 people found the following review helpful: Disturbing , December 5, 2005 Reviewer: A. Vegan (Ontario Canada) - See all my reviews I consider myself a huge horror fan and I think "House of 1000 Corpses" is probably one of the worst horror movies, ever. In "House of 1000 Corpses", Jerry, Bill, Mary, and Denise take a trip to the American roads in order to collect material for a book about offbeat roadside attractions. At some point, Bill decides to stop at a gas station ran by an extremely weird man in a clown suit named Captain Spaulding. The place is very bizarre and tacky, but since Jerry and Bill live for that kind of rarities...they love the place!. Captain Spaulding nicely invites the two guys to take a look at the "murder ride". After finally managing to persuade the girls, the four friends take a look at the weird attraction. That's how they become aware of the local legend of Doctor Satan. A weird creature who devoted his entire life to experiment with people and turn them into monsters. Apparenly, Dr Satan was hung from a tree by a bunch angry villagers. That tree is not far away from the "murder ride". Obviously, Bill and Jerry insist Captain Spaulding on letting them know the way to that tree and he finally accedes. In the middle of the road, they pick up weird hitchhiker, a blonde girl named "Baby". The car breaks down all of a sudden, but Baby nicely offers some help and invites them to stay at her place while her brother fixes the car. Unfortunately, Baby and her family are a bunch of sadistic maniac who enjoy celebrating Halloween in a grotesque way. "House of 1000 Corpses" is nothing but a "Texas Chainsaw Massacre" rip-off. The film is very disturbing as some scenes and images were defiantely very creepy. Its also very gory but that doesn't mean its scary. It also sometimes goes over the top on the gore. Was this review helpful to you? ( Report this ) 0 of 2 people found the following review helpful: Starts off good.. , November 28, 2005 Reviewer: Disappointed (California) - See all my reviews Captain Spaulding, Tiny, and Mother Firefly are great characters, very well acted. Otis isn't bad, except for his terrible wig and makeup job. This movie has some good scenes, mostly in the first third, but it moves like an overlong music video, the "shocks" aren't very shocking (especially since almost every gag is stolen directly from Texas Chainsaw Massacre), and the last half hour will put you to sleep. Not suspenseful or really scary even, but a good first 45 minutes or so. Devil's Rejects is a much better film. Was this review helpful to you? ( Report this ) 2 of 6 people found the following review helpful: Oh no, not "Doctor Satan"! , November 22, 2005 Reviewer: Anders Nissen (Falun, Sweden, Europe) - See all my reviews A good title. Promising storyline. Young people in the middle of nowhere, bound to get into serious trouble. However, Rob Zombie gets most of the things just half-right. The young people go on a tour (at a gas station!) where serial killers are presented. Promising idea, but the result is a display of some odd people with strange interests. Not scary, and not amusing - not even fascinating - just a shrug. The climax of the tour is the story about "Dr Satan". He was an evil doctor and was hanged in a trea by the locals. The tree is not far from the gas station, so why not check it out? A flat tire and a "helpful" girl later, the young people are dining with a strange family. Maybe it could have developed in an interesting way, but it gets stuck. In retrospect, even this "Dr Satan" thing is just too uncreative. What kind of name is that? No mystery, just a blunt attempt to have an evil sounding name. Whatever happened to "Michael Myers", "Freddy Kreuger", "Damien Thorne", or "Jason Voorhees"? No, Rob Zombie gotto have the most evilest of evilier of names. The basic problems are: Too many bad guys, more strangeness than scary stuff, and not so good music. The result is that there is virtually no direction. Odd things happen. Strange people appear. The young people get scared or die - and as a viewer I don't really care which. You need one killer to be scared of, not strange people popping up here and there. Any increasing of the number of killers needs careful thought and working out. Or you will end up with a mess. Trust me. Was this review helpful to you? ( Report this ) See all 612 customer reviews... Listmania! The Worst Movies : by Shauna N. Rushing "shauna2332"... 25 Greatest Horror Films Ever ... : by craig whitten Great horror movies with NO co... : by mellowb780 So You'd Like to... Hold A Truly Twisted Movie Party, don't invite the kids! : by ebacm knarf , One who has to apologise to his family See some of the BEST horror movies EVER!! : by Elaine , Lifetime Horror Aficianado Be Entertained Via DVD : by Joshua Miller , Movie freak Fun Facts from IMDb.com: Awards Click here to see more Awards Fantasporto: International Fantasy Film Award for Best Special Effects Nominations Click here to see more Nominations Fantasporto: International Fantasy Film Award for Best Film Teen Choice Awards: Teen Choice Award for Choice Movie - Horror/Thriller Trivia Click here to see more Trivia Universal pictures (original production company) refused to release the film, believing it would be given an "NC-17" rating by the MPAA. Filmed in 2000, and not released until three years later. Goofs Click here to see more Goofs When the kids are trying to leave the Firefly house compound, it's raining and their windshield wipers are on. When Rufus smashes the windshield, they are off. Crazy Credits Click here to see more Crazy Credits After the last scene, the words "The End?" are shown. The end credits show a dedication to Dennis Fimple (Grampa Hugo) who passedaway in 2002, the year before the movie was finally released. Movie Connections Click here to see more Movie Connections Followed by: The Devil's Rejects References: Animal Crackers | Freaks | Horse Feathers | Duck Soup | A Night at the Opera | A Day at the Races | Go West | Alice in Wonderland | Creature from the Black Lagoon | The Night of the Hunter | What Ever Happened to Baby Jane? | Spider Baby, or The Maddest Story Ever Told | Planet of the Apes | True Grit | Last House on the Left | Manson | The House of Seven Corpses | The Texas Chain Saw Massacre | The Child | Halloween | Mother's Day | The Funhouse | The Evil Dead | This Is Spinal Tap | Reservoir Dogs | Army of Darkness Quotes Click here to see more Quotes Otis : It's all true. The bogeyman is real and you found him. Captain Spaulding : I know what your problem is. Bill Hudley : What's that? Captain Spaulding : Ya'll think us folk from the country's real funny-like, dontcha? Bill Hudley : Jerry... Captain Spaulding : Yeah, well saddle up the mule, ma. Slide me some grits, I's got to get me some edu-cation, uh hu hu hu. Bill Hudley : Jerry... Captain Spaulding : You a******! For more information about "House of 1,000 Corpses" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Bassett, William H DVD > Actors & Actresses > ( B ) > Black, Karen DVD > Actors & Actresses > ( F ) > Fimple, Dennis DVD > Actors & Actresses > ( G ) > Goggins, Walton DVD > Actors & Actresses > ( H ) > Haig, Sid DVD > Actors & Actresses > ( J ) > Jostyn, Jennifer DVD > Actors & Actresses > ( K ) > Keyes, Irwin DVD > Actors & Actresses > ( M ) > Moseley, Bill DVD > Actors & Actresses > ( P ) > Pollard, Michael J DVD > Actors & Actresses > ( T ) > Towles, Tom DVD > Genres > Horror > General DVD > Genres > Horror > Slasher Flicks DVD > Genres > Horror > Things That Go Bump > Occult DVD > Genres > Horror > Things That Go Bump > Zombies Suggestion Box Your comments can help make our site better for everyone. 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Land for sale UK 09:14 | Thursday 29 December Land for sale UK * There are interesting land sales available for a variety of different uses, such as caravan parks suitable for motor homes, horticultural use, and farms or fincas. For further details click the E-mail Us button on the left. * Over recent years land for sale has proved to be the most attractive investment in Europe, and expert opinion states that the demand can only increase. * We are happy to advise those seeking land for sale, whether on a deserted part of the coast, a small village, the tranquillity of rural countryside, or in one of the more active holiday resorts. We have opportunities available for all forms of land for sale in Spain, on the Costa del Sol, the province of Malaga, and the region of Andalucia. * The increasing value of land in Spain, and particularly the Costa del Sol, shows no sign of slowing down, and over the last ten years has undoubtedly been the best investment. The ever increasing number of families wanting to live in a warmer climate continues to drive the price upwards. If you are considering looking for investment land on the Costa del Sol, we would be delighted to act on your behalf. * There are tremendous opportunities for investment land both here and abroad, from individual lots or building plots to larger tracts of land suitable for development. Tell us how many acres or hectares of land, is it for farming or a plot or lot of building land? If for a farm what type of earth and soil is important to you, which area? When are you hoping to purchase, by direct negotiation or at an auction? Do you have any existing land to trade? Land for sale UK - Historical Data Fascinating information in The Domesday Book Site Government information at the Land Registry Site Land for sale - Translations for those clients interested in Spanish land Agent - agencia Estate agent - inmobiliaria House - casa Home , of any type - casa Semi-detached house - adosado or adosao Detached house - casa unifamiliar Two floors - duplex Swimming pool - piscina Garden - jardin Town hall taxes - IBI Rubbish taxes - basura Electricity - corriente or la luz Electricity company - Sevillana - pronounced Seveelyarna Land - terreno Land for sale - terreno en venta Land investment in Spain - inversion en terreno Land for camping - terreno para camping Building land on the Costa del Sol - terreno para construir Built area , of property - construido. Floor area is measured in square meters Sq.m. - metros cuadrados or metro cuadrao Costa del Sol - sunny coast Lot or plot - parcela - pronounced par sella Lot for building - solar Town - pueblo Out in the country - en el campo For sale - en venta or se vende Legal document , of ownership - escritura Legal guy that checks legality - Notario Builder - constructor Plumber - fontanero Electrician - electricista Plasterer - escayolista Architect - architecto Camping - camping Build - construir - pronounced con stroo ear Land for sale UK Top : Land Investment UK - Home Home Land for Sale E-mail Us Webmasters Australia Canada Directories International UK USA Building Plots Hotels Insurance Land Development Metric Conversion Mortgage Resources Vacant Land Site Map

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VA Home Loan Information - Veteran Loans from MRC Contact | Mortgage Rates | Mortgage Calculators Mortgages Refinancing Debt Consolidation Mortgage Resources Loans FHA Loan VA Loan What Type Of Loan Are You Looking For? Please Select.... VA Home Loan Home Loan VA Home Refinance Home Refinance FHA Home Loan What Is The Approximate Value Of Your Property? VA Loan Information VA home loans are designed to provide assistance in purchasing a home for United States Veterans. A benefit of a VA loan is that you can purchase a home with no down payment. In addition, it is slightly easier to qualify for a Veterans Affair loan when compared to a regular loan. Many people for who actually qualify for a VA Loan are not aware of it. If you would like to learn how to get approved for this type of Loan or to find out whether you qualify for one, you may speak with a mortgage specialist by calling 800-930-9201 . Get a free prequalification for a VA home loan Apply for a VA Streamline Refinance New! The VA is now offering VA adjustable rate mortgages. Click above to see if you qualify for a 3yr or 5 yr ARM. If you do NOT plan to stay in your home for a long time, the ARM may be best for you. The VA Adjustable Rate Mortgage is fantastic for anyone who does not plan on staying in their home for more than 5 years. It will help save you a great deal of money because the interest rates are generally much lower. Who qualifies for a VA Loan? The following table shows what type of service (and for what duration is required in order to be eligible for a VA Loan: Wartime Service during: WWII - 09/16/40 to 07/25/47 Korean - 06/27/50 to 01/31/55 Vietnam - 08/05/64 to 05/07/75 Persian Gulf - 8/2/90 to undetermined You must have at least 90 days on active duty. Plus, you must have been discharged under other than dishonorable conditions. If you served less than the standard 90 days, you may be eligible if discharged for a service connected disability. Peacetime Service during periods: 07/26/47 to 06/26/50 02/01/55 to 08/04/64 05/08/75 to 08/01/90 To qualify for a Veteran Loan, you must have served at least 181 days of continuous active duty. Plus, you must have been discharged under other than dishonorable conditions. If you served less than the standard 181 days, you may be eligible if discharged for a service connected disability. Call us at 800-930-9201 Other questions about VA Loans: 1) Is the spouse or children of a veteran eligible? A spouse is eligible if the veteran died as a result of a service connected disability or died while on active duty. The children are not eligible. 2) Who makes the loans? Private lenders make the loans. However, the VA guarantee protects these lenders against loss. The guaranty will allow lenders to make loans without other requirements (for example, a down payment). To find out what lenders have the best VA loan programs, visit the Veterans Center or you may call 800-930-9201 . 3) Can I get a VA loan if I have been foreclosed on in the past? Yes. The best way to find out how to qualify for this is to contact a mortgage specialist . They can give you advice on what you can do to ensure you can qualify for a loan. If you are considering a VA Loan, remember that there are still a variety of different mortgages. A mortgage broker can be a useful tool to help find the most appropriate mortgage for your purchase. If you plan on living in your home for a long period of time, you may want to consider the traditional fixed-rate 15- or 30-year loan. Another option is to choose an adjustable rate mortgage and consider refinancing again in a few years. Short-term mortgages include balloon mortgages and one-year adjustable rate mortgages. Get more VA eligibility information or get information about the VA loan limits for your home . Call 800-930-9201 to get additional advice about a VA ARM. If you have questions or would like help with your mortgage, you can call us at 800-930-9201 . "Nathan, I wanted you to know that everything went very well at our closing. It was quite pleasant. Thank you for everything." -Vicki Ficklen Mcdonough, GA More Testimonials Equal Opportunity Lender License Information We can help you find the lender (mortgage bank) that can get you the best deal for your financial situation (including setting you up with the best financing rates and loan term). MRC does not originate loans in MA, NJ, NY, ND, PA, VT, NV, WV, or DC. If you are getting a mortgage in one of these states, we will help you by directing your information to a lender in your state. Get additional information about a VA Loan , Home Loan , or 1031 Exchange : Privacy Policy .

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MSN Money - Home equity for the holidays MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend See where rates stand Calculate your debt burden here Find a home-equity loan Find books on home buying Find It! Article Index Finance Q&A Tools Index Site Map Recent articles by Bankrate.com: • Mortgage rates hit 18-month high , 11/2/2005 • Best deal? Go to the source , 10/27/2005 • When it pays to stay single , 10/24/2005 More... The Basics Home equity for the holidays advertisement Borrowing from a home-equity loan for holiday spending is tempting because of the lower rates and tax-deductible payments. But theres a huge risk involved. By Bankrate.com This season, many consumers will charge against the home for the holidays. They will use home-equity debt to pay for gifts and travel. Some will do it directly, paying for presents and airline tickets with charge cards tied to home-equity lines of credit. More will do it indirectly, by using equity to pay off credit-card balances that end up as bloated as a turkey-sated family. Home-equity debt traditionally has been spent on investments that bring some kind of return -- renovating houses, paying for college, starting small businesses. More recently, as consumers have become more clever about using debt, equity loans are seen as a cheaper, smarter way to consolidate debt and pay for such items as cars and furniture. But gifts and airline tickets to visit family? Believe it or not, bankers and consumer advocates agree that there are times when it's appropriate to pay for something so fleeting by charging it against the roof over your head. It's not exactly wise to go into debt to pay for presents, but if you're going to do it, you might as well do so as inexpensively as possible. Find a loan that's right for you at the Loan Center Debt for gifts "Don't let these things be excuses to be in debt. That's the issue," says Anthony Hsieh, president of Home Loan Center, an online lender based in Orange County, Calif. If you listen long enough to AM radio, you are likely to hear a holiday-themed sales pitch for these loans, which allow you to borrow money and use the accumulated equity in your home as collateral. Generally, it takes two to four weeks to get access to the money after you apply. Home-equity loans, also known as second mortgages, come in a lump sum. You repay them with equal monthly payments at a fixed rate for a specified period. Related news and commentary on MSN Money • Gift cards are not gifts • 15 worst holiday gift ideas • The fine art of holiday tipping: why, who and how much • The 13 worst holiday spending blunders • 12 rules for regifting without fear • 10 low-cost gifts from the heart Home equity lines of credit, or HELOCs, on the other hand, work like credit cards. Instead of getting a lump sum, you start out with a credit line and can draw up to the credit line's limit. During the first years of the account, the minimum monthly payment covers only the interest on the balance. The rate is variable and usually is tied to the prime rate. The tax deduction On both kinds of equity debt, the interest you pay is deductible from your federal income taxes in most cases. That's the key, Hsieh says. If you decide to take some time to pay off your holiday debt, why not do it with tax-deductible interest? "Is it irresponsible to dig into equity (to pay for gifts?)" Hsieh asks. "Yes. But if you're going to get into debt and you're disciplined enough to pay it off in a predetermined time, there is an advantage to using a HELOC because the interest is deductible." Rudy Cavazos of Money Management International , a national, nonprofit credit-counseling agency based in Houston, agrees that buying things with low-rate home equity debt "beats using that credit card" with higher rates and no tax-deduction. But he's not sure every consumer understands all the differences between regular credit cards and cards tied to HELOCs, including the biggie: "You're placing your home on the line as security, as collateral, for these funds." No walking away from equity debt Sure, the HELOC has a lower rate and the interest is tax-deductible. But the regular credit card is unsecured, meaning that the balance is not backed by collateral -- so the debt can be wiped clean in some bankruptcies. Not so with a card tied to a HELOC. If you buy your godson a Christmas gift with your HELOC, you are pledging your house as collateral. You can't walk away from the debt, even in bankruptcy. This important point might not be stressed at the time of the loan application. That's why Cavazos recommends that consumers get some kind of loan counseling before they take out home-equity loans or get HELOCs. Consumer credit counseling agencies, such as MMI, often hold workshops or do one-on-one education for people who get home loans of all kinds. Cavazos hears radio advertisements all the time that urge listeners to use home equity as a way to consolidate debt "or improve their lifestyle in some way. That's all good, but you have to remember to educate yourself before you enter into these types of financial tools." When it comes to gifts and holiday travel, the best financial tool is to stay away from debt in the first place. Instead, use the financial tool that can't be beat: a savings account. 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Real estate prices and registrations of title - Statistics Sweden Find: A-Z Content Search Find more on the website --------------------------- Agriculture, forestry and fishery Business activities Citizen influence Culture and leisure Education and research Energy Environment Financial markets Health and medical care Household finances Housing and construction Information technology Judicial system Labour market Living conditions National accounts Population Prices and Consumption Public finances Social insurance Social services Trade in goods and services Transport and communications --------------------------- Use Sweden's Statistical Database Maps About Sweden's Statistical Database --------------------------- Publication plan Publications About the publications --------------------------- International statistics Information and Library Economic statistics Regional statistics Methodology --------------------------- Information services Statistics Sweden's Business Register SCB International Consulting Order international statistics Order Swedish statistics --------------------------- Swedish Statistics Net Other statistical sources Housing and construction Real estate prices and registrations of title Facts and trends of turnover and purchase prices of real estate of different kinds Press releases Publications Statistical Databases Requested tables and graphs Real Estate Price Indices Latest trends of Prices of Real Estate, with residential buildings Purchase prices of dwellings in housing co-operatives 2003 - 2004 Average purchase prices for one- and two-dwelling buildings in 2003 by municipality Real estate price index, annually. 1981=100 Real estate price index, annual changes For more information: E-mail byggande.bebyggelse@scb.se Telephone Martin Verhage +46 8 506 947 78 or Jonas Edblom +46 8 506 941 97 Updated: 2005-11-28 Productcode: BO0501