RAMOS, John Kenneth. Home Equity Loans (HELs) Utilization among Non-Borrowing Homeowners in the Philippines: A Comprehensive Literature Review. JPAIR Multidisciplinary Research, Philippines, v. 62, n. 1, p. 148–163, 2025. DOI: 10.7719/jpair.v62i1.961. Disponível em: https://philair.org/index.php/jpair/article/view/961. Acesso em: 2 nov. 2025.