资源

利率 & 费用

率检查

APY = Annual Percentage Yield. 4月 = Annual Percentage Rate.

无抵押个人贷款

房价截至2023年7月27日

术语
基准利率/ 4月*
$2,500–$7,500
三十六个月
11.500%
$5,000–$15,000
37-48月
12.500%
$7,500–$15,000
49-60月
13.500%

菠菜体育官网

付款的例子: 个人贷款7,500美元,为期60个月,年利率为13.500% would have a monthly payment of $172.57.
报价要求从建行支票或储蓄中自动付款. 添加0.如果没有AFT,则为25%.


新的汽车贷款

价格截止到2024年3月1日

术语
基准利率/ 4月*
最小值. $2,500
36个月
7.000%
最小值. $2,500
60个月
7.250%
最小值. $2,500
72个月
7.500%
最小值. $2,500
120个月
7.750% *AFT要求.

菠菜体育官网

还款例子:一笔1万美元的汽车贷款,为期60个月,年利率为7.250% would have a monthly payment of $199.19 when auto-pulled** from a CCB account.
**报价要求从建行支票或储蓄中自动付款. 添加0.如果没有AFT,则为25%.


Used Auto 贷款 / Auto Loan Refinance

价格截止到2024年3月1日

术语
基准利率/ 4月*
模型一年
最小值. $2,500
6-60月
8.000%
2019–23
最小值. $2,500
61 - 72个月
8.750%
2019–23
最小值. $2,500
6-48月
9.000%
2017-18
最小值. $2,500
三十六个月
10.000%
2015-16

菠菜体育官网

报价要求从建行支票或储蓄中自动付款. 添加0.如果没有AFT,则为25%.
Older vehicles considered on exception basis. 添加0.50%. 最大贷款利率75%.


New Recreational Vehicles

价格截止到2024年3月1日

术语
基准利率/ 4月*
最小值. $2,500
36个月
8.000%
最小值. $2,500
48个月
8.250%
最小值. $2,500
60个月
8.500%

菠菜体育官网

报价要求从建行支票或储蓄中自动付款. 添加0.如果没有AFT,则为25%.
Refer to SVP, Retail Lending & 社区发展,延长豪华/高端船只的使用期限,并提供娱乐选择.


Used Recreational Vehicles / Refinance

价格截止到2024年3月1日

术语
基准利率/ 4月*
模型一年
最小值. $2,500
36个月
8.750%
2014–23
最小值. $2,500
48个月
9.750%
2014–23
最小值. $2,500
60个月
10.750%
2014–23

菠菜体育官网

报价要求从建行支票或储蓄中自动付款. 添加0.如果没有AFT,则为25%.
Refer to SVP, Retail Lending & 社区发展,延长豪华/高端船只的使用期限,并提供娱乐选择.

Fixed Rate Conforming Mortgage – Primary and Secondary Residence

价格截止到2024年4月18日

术语
利率
4月*
15年
6.625%
0
6.777%
15年
6.375%
1
6.526%
20年
7.000%
0
7.123%
20年
6.750%
1
6.872%
30年
7.125%
0
7.220%
30年
6.875%
1
6.969%

菠菜体育官网

付款的例子: 一笔10万美元的住房抵押贷款,为期180个月,年利率为6.777% would have a monthly payment of $877.99. 不包括税金和保险,你的实际支付义务可能更高.
贷款利率仅保证与签署50天锁定协议. Prevailing rate determined 7 days prior to closing.
Maximum Loan – single family – $766,从2024年1月1日起,550 -购买资金或无现金再融资-仅限主要住宅-最大LTV为95%.

  • 任何制造房屋或永久基础的最大LTV - 90%(新建)或80%(购买/再建)
  • 对于2-4个单位-购买资金主要住宅,最高LTV - 80%
  • 1个单位的业主拥有第二住宅,最高LTV为90%
  • For cash out refinances – maximum LTV – 80%
  • Jumbo mortgage rates available – see portfolio loan rates

*利率及年利率如有更改,恕不另行通知. 利率, 年利率和期限可能会根据借款人的信誉而有所不同, 贷款与价值比率, loan amount and loan purpose. 利率 are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All 4月s and estimated monthly payments based on a $100,000 loan amount and a 贷款与价值比率 of 80%. 付款不包括税金和保险费,实际义务将更大.


Fixed Rate Conforming Mortgage – Investment

Maximum Loan – Single Family – $766,截至2024年1月1日,550 -购买资金或无现金再融资-最大LTV 80%

**有关房贷美投资利率及相应的贷款水平价格调整,请联络按揭贷款发起人.

  • For Cash Out Refinances 1 Unit – Maximum LTV – 75%
  • For Cash Out Refinances 2-4 Unit – Maximum LTV – 70%

组合贷款

截至2024年1月4日

固定利率
利率
4月
15年
7.500%
0
7.656%
15年
7.250%
1
7.405%
20年
7.625%
0
7.752%
20年
7.375%
1
7.500%
25年
7.875%
0
7.986%
25年
7.625%
1
7.734%
30年
7.875%
0
7.975%
30年
7.625%
1
7.723%

付款的例子: 一笔10万美元的住房抵押贷款,180个月,年利率为7.656% would have a monthly payment of $927.01. 不包括税金和保险,你的实际支付义务可能更高.
最高贷款-银行的法定贷款限额-主要或次要1-4家庭住宅, 购买或再融资.


Adjustable Rate Mortgages

5/1的手臂

截至2024年1月4日

术语
利率
4月
30年
7.250%
0
7.346%

Rate is fixed for first 5 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board; 3% interest rate cap at first adjustment and thereafter 2% interest rate cap at each interest rate adjustment period. Life of loan cap +/-6%, Floor 4.00%-保证金2.25%.

7/1的手臂

截至2024年1月4日

术语
利率
4月
30年
7.250%
0
7.464%

Rate is fixed for first 7 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board; 5% interest rate cap at first interest rate adjustment and 2% thereafter. Life of loan cap +/-6%, Floor 4.00%,保证金2.50%

  • 再融资抵押贷款:无现金再融资贷款的LTV上限为95%,现金再融资贷款的LTV上限为80%
  • 在永久地基上的任何制造房屋的最大LTV - 90%(新建)或80%(购买/再建)
  • New construction financing with 9 month I/O building period. 0.5% construction fee – Max LTV 90% of total project (with PMI).
  • For 1 – 2 Unit’s – Purchase Money Primary Residences, 最大LTV - 95%(有PMI) * 3-4 - LTV 80%或更低- PMI不可用.

Home Improvement Loan – Unsecured

房价截至2023年7月27日

术语
基准利率/ 4月*
$2,500–$7,500
三十六个月
11.250%
$5,000–$7,500
37-48月
12.250%
$5,000–$7,500
49-60月
13.250%

菠菜体育官网

付款的例子: 一笔7,500美元的住房改善贷款,为期60个月,年利率为13.500% would have a monthly payment of $172.57.
报价要求从建行支票或储蓄中自动付款. 添加0.如果没有AFT,则为25%.


房屋净值定期贷款

价格截止到2024年3月4日

术语
率/ 4月
$7,500-$14,999
12-60月
9.39%
$15,000+
12-60月
8.39%
$7,500-$14,999
61 - 120个月
9.39%
$15,000+
61 - 120个月
8.39%
$15,000+
121 - 180个月
8.59%
$25,000+
181 - 240个月
8.69%

菠菜体育官网

付款的例子: 一笔25,000美元的房屋净值贷款,为期60个月,年利率为8.39% would have a monthly payment of $511.59.
May be Primary or Secondary Residence. 银行向贷款人提供信贷,以支付最高250美元的贷款结清费用,000, 3年后重新夺回. 超过25万美元贷款金额的印花税将由借款人支付.
最高贷款价值的85% /必须是第一或第二留置权位置.
Rate will be reduced by 0.如果在结账时从建行支票或储蓄账户自动转账,则为25%.


Home Equity Line of Credit (HELOC)

价格截止到2024年3月1日

率/ 4月
现在的速度
$7,500–$24,999
WSJP + 1.25%
9.75%
$25,000-$49,999
WSJP + 1.00%
9.50%
$50,000-$99,999
WSJP + 0.50%
9.00%
$100,000+
WSJP
8.50%

菠菜体育官网

**10 year Interest only draw + 15 yr payback
May be Primary or Secondary Residence. 银行向贷款人提供信贷,以支付最高250美元的贷款结清费用,000, 3年后重新夺回. 超过25万美元贷款金额的印花税将由借款人支付.
无地板/天花板- 15.9%
Rate will be reduced by 0.如果在结账时从建行支票或储蓄账户自动转账,则为25%.


透支信用额度

截至2022年2月12日

术语
基准利率/ 4月
最小值. $500
12-36月
18.00%

No rate reduction for autopay.
Rate is as stated- not tied to credit score.


费用时间表

类型
账户支取费
$30.00
Account-To-Account “A2A” Transfers – DPXPay (per transaction) To send money to an account at another financial institution. 从另一个金融机构接受资金是没有成本的.
$2.00
账单支付不活动费 (after no activity for a calendar month/then monthly until used)
$5.00
Business BillPay (per transaction after 10)
$0.50
银行本票
$7.00
Certified Check (per check)
$20.00
Check Card Replacement 费
$10.00
Check Collections (incoming & 即将离任的)
$15.00
检查抗议
$20.00
Christmas Club Savings Early Withdrawal 费 (每退出)
$10.00
以邮寄方式结清帐户
$5.00
Coin Rolling 费 (CCB Customer only)
价值的10%
Counter Check (per check)
$2.00
柜台检查(5次检查)
$8.00
押金退回(每次提交付款时)
$10.00
退回押金物品-加拿大(每次提交付款时)
$30.00
Early Account Close (6 months or less open)
$30.00
Extended Negative Balance 费 (after each 5 consecutive bus. 天,马克斯. (2)
$5.00
传真服务(第1张)
$1.00
Fax Service (subsequent sheets)
$0.50
Foreign ATM 费 (CCB Cardholders)
$2.50
Foreign Card Trans (CCB ATM)
$3.00
Legal Processing 费 (Levies, Restraints, Garnishments)
$125.00
Lost Safe Deposit Box Key
$50.00
Medicaid Related Statement Requests: 0 – 12 months
$5.00(每份声明)
Medicaid Related Statement Requests: 13 months – over
$75.00(每次申请)
Notary Service (per person)
$2.00
Overdrafts (NSF check paid/returned) each time it is presented
$35.00
Overdraft Protection Transfer 费 (per transfer from another CCB checking/savings)
$10.00
Paper Statement 费 – Personal
$2.00
Paper Statement 费 w/Images – Personal
$12.00
Paper Statement 费 – Business
$5.00
Paper Statement 费 w/Images – Business
$25.00
Person-To-Person “P2P” Transfers – DPXPay (per transaction)
$0.50
Reconciliation (Consumer)* up to 1 hour
$20.00
Reconciliation (Consumer)* additional hours/per hour
$20.00
Research (Consumer)* up to 1 hour
$20.00
Research (Consumer)* additional hours/per hour
$20.00
Research Additional 费用: Statement Copy
$5.00
Research Additional 费用: Statement Copy with Images
$8.00
Return Statement 费 (due to wrong address/2nd time)
$10.00
Safe Deposit Box Drilling (+ costs)
$50.00
快照的声明
$5.00
Stop Payment (one check)
$35.00
Stop Payment (range of checks)
$40.00
Telephone Transfer of Funds
$10.00
Wire Transfer-Domestic (Incoming)
$20.00
Wire Transfer-Domestic (Outgoing)
$25.00
Wire Transfer-International (Incoming)
$30.00
Wire Transfer-International (Outgoing)
$35.00
拉链钱袋(含税)
$10.00

*Additional fees may apply for Business Accounts.

有问题?