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Household Finance Corporation
Household Revolving Home Equity Loan
Revolving Home Equity Loan Asset Backed
Certificates - Series 1995-2
P & S Agreement Date: Nov 1, 1995
Original Settlement Date: Nov 21, 1995
Series Number of Class A-1 Certificates:
441919AG2
Series Number of Class A-2 Certificates: N/A
Original Sale Balance: $637,660,000
Servicer Certificate (Page 1 of 3)
Distribution Date: 10/20/2000
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Investor Certificateholder Floating Allocation 89.42%
Percentage
Investor Certificateholder Fixed Allocation 97.90%
Percentage
Aggregate Amount of Collections 4,586,031.96
Aggregate Amount of Interest Collections 1,363,871.34
Aggregate Amount of Principal Collections 3,222,160.62
Int. Collections Alloc. to Investor 1,219,555.99
Class A Principal Collections 3,039,930.73
Seller Interest Collections 144,315.35
Seller Principal Collections 182,229.89
Weighted Average Loan Rate 14.18%
Net Loan Rate 13.18%
Weighted Average Maximum Loan Rate 19.05%
Class A-1 Certificate Rate 6.8738%
Maximum Investor Certificate Rate 12.9500%
Class A-1 Certificate Interest Distributed 559,614.08
Class A-1 Investor Certificate Interest Shortfall 0.00
before Draw
Unpaid Class A-1 Certificate Interest Shortfall 0.00
Received
Unpaid Class A-1 Certificate Interest Shortfall 0.00
Remaining
Unpaid Class A-1 Carryover Interest Amount 0.00
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Maximum Principal Dist. Amount (MPDA) 3,154,495.25
Alternative Principal Dist. Amount (APDA) 3,039,930.73
Rapid Amortization Period? (Y=1, N=0) 0.00
Scheduled Principal Distribution Amount (SPDA) 3,039,930.73
Principal allocable to Class A-1 3,039,930.73
SPDA deposited to Funding Account 0.00
Accelerated Principal Distribution Amount 0.00
APDA allocable to Class A-1 0.00
Reimbursement to Credit Enhancer 0.00
Spread Trigger hit? No
Reduction in Certificate Principal Balance
due to Current Class A-1 Liquidation Loss 176,007.50
Amount
Cumulative Investor Liquidation Loss Amount 176,007.50
Total Principal allocable to A-1 3,215,938.23
Beginning Class A-1 Certificate Principal Balance 97,695,857.32
Ending Class A-1 Certificate Principal Balance 94,479,919.09
Pool Factor (PF) 0.1481666
Servicer Certificate (Page 2 of 3)
Distribution Date: 10/20/2000
Retransfer Deposit Amount 0.00
Servicing Fees Distributed 84,124.36
Beg. Accrued and Unpaid Inv. Servicing Fees 0.00
Accrued and Unpaid Inv. Servicing Fees Recv'd 0.00
End. Accrued and Unpaid Inv. Servicing Fees 0.00
Aggregate Investor Liquidation Loss Amount 176,007.50
Investor Loss Reduction Amount 0.00
Beginning Pool Balance 112,894,986.09
Ending Pool Balance 109,658,454.47
Beginning Invested Amount 100,949,226.32
Ending Invested Amount 97,733,288.09
Beginning Seller Principal Balance 11,945,759.77
Ending Seller Principal Balance 11,925,166.38
Additional Balances 182,229.89
Beginning Funding Account Balance 0.00
Ending Funding Account Balance 0.00
Ending Funding Account Balance % (before any 0.00%
purchase of Subsequent Loans or release to Certs.)
Ending Funding Account Balance % (after purchase of 0.00%
Subsequent Loans or release to Certs.)
Principal Balance of Subsequent Funding Loans 0.00
Purchased in Period
Principal Collections to purchase Additional 0.00
Balances and/or paid to Cert.
Beginning Pre-Funding Account Balance 0.00
Ending Pre-Funding Account Balance 0.00
Pre-Funding Earnings 0.00
Beginning Capitalized Interest Account 0.00
Capital Interest Requirement (Transferred to 0.00
Collection Account)
Ending Capitalized Interest Account 0.00
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Beginning Spread Account Balance 6,506,737.00
Ending Spread Account Balance 6,506,737.00
Beginning Seller Interest 10.5813%
Ending Seller's Interest 10.8748%
Delinquency & REO Status
60 - 89 days (Del Stat 4)
No. of Accounts 86
Trust Balance 2,655,166.32
90+ days (Del Stat 5+)
No. of Accounts 131
Trust Balance 3,529,035.81
270+ days (Del Stat 11+)
No. of Accounts 79
Trust Balance 1,950,265.24
REO
No. of Accounts 21
Trust Balance 837,512.46
Rapid Amortization Event ? No
Failure to make payment within 5 Business Days No
of Required Date ?
Failure to perform covenant relating to Trust's No
Security Interest ?
Failure to perform other covenants as described No
in the Agreement ?
Breach of Representation or Warranty ? No
Bankruptcy, Insolvency or Receivership relating No
to Seller ?
Subject to Investment Company Act of 1940 No
Regulation ?
Servicing Termination ? No
Aggregate of Credit Enhancement Draw Amounts No
exceed 1% of the Cut-off Balance and Pre-Funded
Amount
Servicer Certificate (Page 3 of 3)
Distribution Date: 10/20/2000
Event of Default ? No
Failure by Servicer to make payment within 5 No
Bus. Days of Required Date ?
Failure by Servicer to perform covenant relating No
to Trust's Security Interest ?
Failure by Servicer to perform other covenants No
as described in the Agreement?
Bankruptcy, Insolvency or Receivership relating No
to Master Servicer ?
Trigger Event ? No
Policy Fee Distributed to Credit Enhancer (Paid N/A
directly from HFC)
Premium Distributed to Credit Enhancer 0.00
Amount Distributed to Seller 326,545.24
Master Servicer Credit Facility Amount 0.00
Guaranteed Principal Distribution Amount 0.00
Credit Enhancement Draw Amount 0.00
Spread Account Draw Amount 0.00
Capitalized Interest Account Draw 0.00
Amount re-imbursed to Credit Enhancer (5.01(a)(vi)) 0.00
Amount paid to Trustee 0.00
Cumulative Draw under Policy 0.00
Net Yield 5.05%
Total Available Funds
Aggregate Amount of Collections 4,586,031.96
Deposit for principal not used to purchase 0.00
subsequent loans
Interest Earnings on the Pre-Funding Account 0.00
Deposit from Capitalized Interest Account 0.00
Total 4,586,031.96
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Application of Available Funds
Servicing Fee 84,124.36
Prinicpal and Interest to Class A-1 3,775,552.31
Seller's portion of Principal and Interest 326,545.24
Funds deposited into Funding Account (Net) 0.00
Funds deposited into Spread Account 0.00
Excess funds released to Seller 399,810.05
Total 4,586,031.96
OFFICERS'S CERTIFICATE
All computations reflected in this Servicer
Certificate were
made in conformity with the Pooling and Servicing
Agreement.
The attached Servicing Certificate is true and
correct in all
material respects.
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A Servicing Officer
Statement to Certificateholders (Page 1 of 2)
Distribution Date: 10/20/2000
INVESTOR CERTIFICATES DISTRIBUTION SUMMARY (PER $1000)
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Class A Certificateholder Floating Allocation 89.4187%
Percentage
Class A Certificateholder Fixed Allocation 97.9000%
Percentage
Beginning Class A-1 Certificate Balance 97,695,857.32
Class A-1 Certificate Rate 6.873750%
Class A-1 Certificate Interest Distributed 0.877606
Class A-1 Certificate Interest Shortfall 0.000000
Distributed
Remaining Unpaid Class A-1 Certificate Interest 0.000000
Shortfall
Rapid Amortization Event ? No
Class A-1 Certificate Principal Distributed 5.043343
Maximum Principal Distribution Amount 4.946986
Scheduled Principal Distribution Amount (SPDA) 4.767322
Accelerated Principal Distribution Amount 0.000000
Aggregate Investor Liquidation Loss Amount 0.276021
Distributed
Total Amount Distributed to Certificateholders 5.920949
Principal Collections deposited into Funding 0.00
Account
Ending Funding Account Balance 0.00
Ending Class A-1 Certificate Balance 94,479,919.09
Class A-1 Factor 0.1481666
Pool Factor (PF) 0.1481666
Unreimbursed Liquidation Loss Amount $0.00
Accrued Interest on Unreimbursed Liquidation Loss $0.00
Amount
Accrued & Unpaid Interest on Unreimbursed $0.00
Liquidation Loss Amount
Class A Servicing Fee 84,124.36
Beginning Invested Amount 100,949,226.32
Ending Invested Amount 97,733,288.09
Beginning Pool Balance 112,894,986.09
Ending Pool Balance 109,658,454.47
Spread Account Draw Amount 0.00
Credit Enhancement Draw Amount 0.00
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Statement to Certificateholders (Page 2 of 2)
Distribution Date: 10/20/2000
DELINQUENCY & REO STATUS
60 - 89 days (Del Stat 2)
No. of Accounts 86
Trust Balance 2,655,166.32
90+ days (Del Stat 3+)
No. of Accounts 131
Trust Balance 3,529,035.81
REO
No. of Accounts 21
Trust Balance 837,512.46
Aggregate Liquidation Loss Amount for Liquidated 196,835.23
Loans
Class A-1 Certificate Rate for Next Distribution To be updated
Date
Amount of any Draws on the Policy 0.00
Subsequent Mortgage Loans
No. of Accounts 0.00
Trust Balance 0.00
Pre-Funded Amount (Ending) 0.00
Subsequent Pre-Funding Mortgage Loans
No. of Accounts 0
Trust Balance 0.00
Capitalized Interest Account (Ending) 0.00
Earnings on the Pre-Funding Account 0.00
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