翻译一句话 关于贷款的

翻译一句话 关于贷款的I have 24 years left on 30 year mortgage. I am thinking about a home equity loan at a favorable rate, rather than roll in to refinance consolidation. If rates are favorable later this year I may like to refinance 1st mortgage at 15 years. Will home equity loan affect my refinancing even if I am not looking for any cash out?没有人知道吗? 那我抛砖引玉一下吧..我有笔30年按揭贷款,还有24年未还. 现在我想申请一笔利率优惠的住房权益贷款,而不想投一大笔钱进去进行贷款合并.如果今年晚些时候的利率优惠的话,我可能会倾向于将第一笔按揭重贷并缩短为15年. 如果我不是很缺钱用的话,那么这笔住房权益贷款会不会影响到我的重新按揭?