12月27日（星期一）CA、MD、VA贷款利率（11:18AM更新） - 未名空间MITBBS历史存档

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12月27日（星期一）CA、MD、VA贷款利率（11:18AM更新）

12月27日（星期一）CA、MD、VA贷款利率（11:18AM更新）# Living

h*g2010-12-27 08:12

1 楼

A company had 100 employees one year ago. Overall, the number of employees
is growing by 10 percent a year; however, exactly 10 percent of the
employees leave and are replaced every year.
Referring to the above scenario, how many employees need to be hired during
the coming year?
10%的员工离开又补上是啥意思？不懂……

c*e2010-12-27 08:12

2 楼

短评：今天初始利率发布后，银行又联续两次下调利率价格，购房贷款的ARM利率又降下来了！对一直在等ARM利率下跌的网友而言，这可是个锁定利率的好机会！
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125
<=$729K 5.000 4.375

REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.250
<=$729K

PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.625 4.000 3.375 3.625
APR: 4.860 4.314 4.775 4.271 3.477 3.728

<=$729K 4.875 4.250 4.000
APR: 4.966 4.405 4.086

PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.375 4.875 4.250
APR: 5.112 4.565 5.027 4.523
******************************** MARYLAND ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125 4.250
<=$729K 5.000 4.375

REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.250
<=$729K

PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.625 4.000 3.375 3.625
APR: 4.860 4.314 4.775 4.271 3.477 3.728

<=$729K 4.875 4.250 4.000
APR: 4.966 4.405 4.086

PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.375 4.875 4.250
APR: 5.112 4.565 5.027 4.523
******************************** VIRGINIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125
<=$729K 5.000 4.375

REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.250
<=$729K

PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.000 4.625 3.875 3.375 3.625
APR: 4.860 4.188 4.775 4.146 3.477 3.728

<=$729K 4.875 4.250 4.000
APR: 4.966 4.405 4.086

PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.375 4.875 4.250
APR: 5.112 4.565 5.027 4.523
Rates above are based on the following assumptions:
1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans;
2. Loan-To-Value (LTV):
- <=80% for Primary Residence Conforming Purchase & Refinance;
- <=70% for Primary Residence Conforming Cash-Out Refinance;
- <=75% for Primary Residence Super-Conforming Refinance and Purchase;
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
- <=75% for Investment Property Conforming Purchase (NEW!!!).
3. Primary Residence except specified;
4. Single Family Residence;
5. Credit score>=740;
6. No Impound/Escrow Account.
For Refinance, rates are based on No Point No Fee. So APR for Refinance =
Refinance Rate.
注：我们的每日贷款利率发布现在已经包括投资房的购房贷款利率了！欢迎查看！以
上凡是没有表明利率的loan program，意味着我们没法提供No Point的贷款。如果您想
要知道该program的利率，请和我们联系查询。我们的联系方式可通过点击我们的User
ID来得到。

O*n2010-12-27 08:12

3 楼

20%?

during

【在 h*****g 的大作中提到】

: A company had 100 employees one year ago. Overall, the number of employees
: is growing by 10 percent a year; however, exactly 10 percent of the
: employees leave and are replaced every year.
: Referring to the above scenario, how many employees need to be hired during
: the coming year?
: 10%的员工离开又补上是啥意思？不懂……

l*a2010-12-27 08:12

4 楼

一年前有100员工，每年流失率10%，要求员工数每年增长10%。问你要招多少人。

l*a2010-12-27 08:12

5 楼

agree.

【在 O******n 的大作中提到】

: 20%?
:
: during

t*d2010-12-27 08:12

6 楼

should be this
last year 100
this year 110
next year need to hire 110*0.1 = 11 to satisify the increase.
then in next year, (110 + 11) * 0.1 = 12 people left. so need to repalce 12
ppl.
so total need to hire 23 PPL. it's a little messy to define if the 10% means
beginning of the year or end of year. but u got the ideal. more a test of
how do you argue your solution.