20170615_XQC_QNE_p006

QC06152017

6 THE QUEENS COURIER • JUNE 15, 2017 FOR BREAKING NEWS VISIT WWW.QNS.COM ������������������������������������������������������1 4.000% 4.067% APR One of the best rates in town!2 Closing Costs Discounts Available3�������������������������������������������������� First Time Homebuyer Loans • FHA4 Contact Amy DeLeon to learn more: (516) 500-6641 • Amarilis.DeLeon@mynycb.com • NMLS #7982 1 Rate information as of 06/05/17. The payment on a $200,000 30-year Conforming Fixed Rate Loan at 4.000% and 80% loan-to-value (LTV) is $954.83 with zero points due at closing. The estimated Annual Percentage Rate (APR) is 4.067%. Payment does not ���������������������������������������������������������������������������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������������������������������������������������������������������� Some state and county maximum loan amount restrictions may apply. Actual payments will vary based on your individual circumstances and current rates. Based on the purchase/ ������������������������������������������������������������������������������������������������������������������������������������������������������������������������������ paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score of 700 or greater, and an escrow account is used for the payment of taxes and insurance. The lock period for your rate is 60 days. All loans are subject to credit approval. Product availability and offers are subject to change. Not all products are available in all states. Mortgages are originated through ������������������������������������������������������������������������������������������������������������������������������������������������������ Commercial Bank. 2According to ICON rate analysis. 3Certain conditions apply. Speak with your Mortgage Consultant for details. 4NYCB is not acting on behalf of or at the direction of HUD/FHA or the Federal government. The bank is not responsible for typographical errors. Offer may be withdrawn at the discretion of the bank at any time. ©2017 New York Community Bank Office of the Mayor This is what landing more than $5 million in City contracts looks like. Celeste Ramirez President, CARA Construction Management Inc. If you’re a minority or woman business owner, find out how the Department of Small Business Services can help you make NYC your next customer. Call 311 or visit nyc.gov/getcertified Great Rate and a Bonus on Each 1-Year Anniversary -- with Your Choice of Passbook or Statement Savings! PLUS 0.25% On each 1-year anniversary of account opening BONUS Savings Account Visit our new Queens branch at 78-01 37th Avenue, Jackson Heights for special offers available only at this location! www.applebank.com 78-01 37th Avenue, Jackson Heights, 718-779-0002 91-31 Queens Boulevard, Elmhurst, 718-458-2120 102-35 Queens Boulevard, Forest Hills, 718-997-2020 116-12 Queens Boulevard, Forest Hills (Kew Gardens), 718-575-2841 43-73 Kissena Boulevard, Flushing, 718-321-2200 168-42 Hillside Avenue, Jamaica, 718-739-2880 BONUS** 0.75% APY* $2,500 minimum to earn stated rate Established 1863 · Member FDIC *For the Apple Bank BONUS Savings account, interest earned on daily balances of $2,500 or more at these tiers: $2,500-$24,999: .75% Annual Percentage Yield (APY), $25,000 and up: .75% APY. There is no interest paid on balances of $0-$2,499. APYs disclosed effective as of March 7, 2017. APYs may be changed at any time at the Bank’s discretion. There is a minimum of $2,500 required to open the Apple Bank BONUS Savings account. $2,500 minimum daily balance is required to avoid $10 monthly maintenance fee. Fees may reduce earnings. Funds used to open this account cannot be from an existing Apple Bank account. Maximum deposit amount is $3,000,000 per household. **Special bonus feature: A .25% simple interest rate bonus will be paid on each anniversary date of account opening on the lowest balance for that year (anniversary date to anniversary date). No bonus is paid if the account balance is less than $2,500 on the anniversary date. Additional deposits during a given anniversary period do not affect the bonus interest payment. Deposits made to the account on any anniversary date will be used to calculate the lowest account balance for the next anniversary period. The bonus interest is calculated on the lowest balance on deposit from one anniversary date to the next anniversary date. Simple interest rate bonus is subject to change at any time after first anniversary date of account opening. Hypothetical example of how bonus works: Assume an account is opened on January 12, 2017 for $50,000. A $10,000 withdrawal is made on July 12, 2017. No other withdrawals are made prior to the January 12, 2018 anniversary date. The low balance is now $40,000, so $100 in bonus interest will be paid on January 12, 2018.


QC06152017
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