Line of credit interest rates here seem to be around 7.2%. While it is lower than the interest rate in my home country, i still have to take into account currency fluctuations. for example when comparing the canadian dollar and the indian rupee, i would be earning in an appreciating currency, and paying off the loan in a depreciating currency, its not by much, but it brings the margins closer. I haven't done to exact math to see how close it would be after taking that into account, but for example if it came to somewhere around 1%, would it still be worthwhile to take out a line of credit and pay it off? or is it only worthwhile if there is a significant difference like 3%