【方圆贷款今日利率】1月13日星期四 - 未名空间MITBBS历史存档

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【方圆贷款今日利率】1月13日星期四

【方圆贷款今日利率】1月13日星期四# Living

t*52011-01-13 08:01

1 楼

我让以前工作的公司的老板帮着写推荐信，上面有一点点technical information。他
觉得有技术信息外泄的concern （我觉得他是over concern了）。但是公司的人对这些
东西都很看重和敏感，也没办法。于是他修改了我的推荐信，把我contribution的细节
都去掉了，换成了这样的语句“
Dr. A’s work at company B filled the technical gap by proposing a new
Misfire Monitor strategy. Due to company B's proprietary interests, this
strategy cannot be described in any detail here. Suffice it to say that Dr.
A’s work enabled company B to meet the 2007 OBD-II regulations.Vehicle test
results show that the new Misfire Monitor strategy is compatible with state
-of-the-art fuel injection pulse structure, and it can accurately detect
misfiring cylinders. The Misfire Monitor strategy developed by Dr. A has
been implemented in our production diesel control software. His innovative
work on the Misfire Monitor made important contributions to the advanced
diagnostic strategy development for Company B's high pressure common rail
fuel systems.
尤其是其中这句： ”Due to company B's proprietary interests, this strategy
cannot be described in any detail here.“。这样的话出现在绿卡申请的推荐信里
面可以吗？
请前辈们指点。

c*e2011-01-13 08:01

2 楼

短评：今天（1月13日星期四）的购房贷款ARM及15年、10年固定的利率又降下来了！其
它program和昨天的基本持平。
******************************** 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 3.875 4.125
<=$729K 4.875 4.375 4.125

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 4.125 4.125
<=$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 2.875 3.250
APR: 4.860 4.188 4.775 4.146 2.974 3.351

<=$729K 4.875 4.250 3.500
APR: 4.966 4.405 3.584

PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.375 4.875 4.250
APR: 4.986 4.565 5.027 4.523

******************************** MARYLAND ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.125 3.750 4.000
>$417K 4.875 4.375 4.125

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 4.125
>$417K

PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.000 4.500 3.875 2.875 3.250
APR: 4.860 4.188 4.649 4.146 2.974 3.351

>$417K 4.875 4.250 3.500
APR: 4.966 4.405 3.584

PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.375 4.875 4.250
APR: 4.986 4.565 5.027 4.523

******************************** VIRGINIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.125 3.875 4.125
>$417K 4.875 4.375 4.125

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 4.125
>$417K

PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 2.875 3.250
APR: 4.735 4.188 4.649 4.146 2.974 3.351

>$417K 4.750 4.250 3.500
APR: 4.840 4.405 3.584

PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.375 4.750 4.250
APR: 4.986 4.565 4.901 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.
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：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。