Real Estate Broker call:

Cape Coral Lots, Real Estate, Vacation Rentals main CAPE CORAL LOTS, REAL ESTATE & VACATION RENTALS Vacation Rentals Cape Coral Real Estate Fun Rentals Cape Coral Lots Property Management New Constructions Specials for sale Cape Coral Fort Myers Area Links - Jobs - Relocation - Contact Wir sprechen Deutsch! Florida Sun Group Inc. Licensed Real Estate Broker call: 239-242-0922 Florida Sun Group Inc. is an international operating company with agentsin Germany, Austria, and Switzerland. As a member of the local Association of Realtors in Cape Coral and a Member of the Gulf Coast MultipleListing Service (MLS) we have access to all the single family homes investment properties and Cape Coral lots in greater Cape Coral / Fort Myers Area. Thinking about building your own new home for vacation rentalsor retirement in Cape Coral? We provide you with a lot of information about new constructions with floor plans and try to find your dream lot in Cape Coral offwater or on a canal with direct access to the Gulf of Mexico. You can see pictures of vacant land in Cape Coral for selected lots. Need a new pool to your home? Your will find a Cape Coral pool builder here. Wealso do cost effective property management and have many vacation rentals and vacation rentals condos in Cape Coral Florida and Fort Myers Beach. For each of our vacationrentals in cape Coral we show you pictures and a location map. Check our specials for vacation rentals in Cape Coral with last minute low priced offers and reduced real estateproperties for sale. Interested in joining our successful team? Write us to become an agent of Florida Sun Group Inc. You need more information about vacation rental in capeCoral, homes for sale etc. Reach us by phone (239-242-0922), fax or email, or just fill in our easy to use information form . Thank you. Your Florida Sun Group Team Real Estate Links Florida - Europe - international Sanibel Island Florida Vacation Rentals Cape Coral Info Search engine for Cape Coral Florida Cape Coral Florida real estate and vacation rentals

Buy property in France

Guide to Buying a House Abroad Guide in UK Net Guide: Homes & Property Home Business Money & Finance Jobs & Education TV Guide News & Weather Arts & Entertainment Homes & Property Lifestyle & Dating Sports & Leisure Health & Fitness Travel & Holidays Shopping & Gifts Motoring Homes & Property Property Gardening Furniture DIY Rate This Guide Not Rated -- Web Search GO Local Business Finder GO Sorry, you need inline frames to see this poll. Home >> Homes & Property >> Guides >> Guide Homes & Property Guide to Buying a House Abroad More than two million Britons own a home abroad, and more and more of us dream of jumping on the same bandwagon. But whats involved? How do I find a home abroad? Most people spot something while they are on holiday. Otherwise, several magazines list foreign properties for sale, including Exchange & Mart, Homes Overseas and Foreign Property News, and there are hundreds of websites offering overseas sales. Im really keen to proceed Its time for a reality check. Half drunk on sun and sangria and on a break from the office, almost anywhere can seem appealing. Ask yourself these questions: What is this house like in winter? What happens to the local area in the off season? Do I want to go to the same place every year? Are you prepared to spend your holidays organising foreign builders, roping in friends and doing the hard graft yourself? Have you considered the cost of getting to your holiday home? Cheap flights have opened up large parts of Europe to British buyers, but dont assume that those routes will be there forever of or that prices will stay low. Dont assume your house will rise in value. This is a peculiar British obsession. If you are buying thinking you can sell at a profit later, you could be disappointed. It may make more financial sense to rent. How do I raise the money? If you can buy with cash, do it. You will own the property outright without increasing your mortgage debt. This will mean fewer bills. If you don't have the cash, there are two ways to pay for a foreign home. You can extend your main mortgage, or you can get a new mortgage for the property. Extending your mortgage is presently a cheap way of raising cash, but you may not be able to get a remortgage for more than 75% of the property's price. But remember, you risk losing both homes if you cannot keep up payments. The other option is to take out a second mortgage on your holiday home. Several High Street companies offer mortgages overseas, including Abbey National and Barclays. Conti Financial services in East Sussex is one of many companies that can arrange mortgages for homes abroad. You often have to have at least 10% of the price in cash. Can I get a mortgage in the local currency? Yes, but you need to be aware of all the risks. Taking out a foreign currency mortgage could be dangerous. You are exposed to currency fluctuations: the pound can move against the euro or the dollar - if it weakens, your payments will increase. On the other hand if you are buying property in another country your home will be valued in that currency so it could make more sense to borrow in that currency. How long will it take to complete? It depends on the country you are buying in. Buy property in France and it could take up to 20 weeks to complete the transaction. In Spain, Italy, Greece and Portugal it will average between 12 to 18 weeks. Be aware the longer it takes to complete the transaction the more at risk you are from rate fluctuations, which could add thousands to the real cost of the property in the time it takes to complete. I don't speak the language You will need a reputable solicitor and valuer who is local. Your bank or mortgage lender should be able to help you find these professionals who also speak English. The Federation of Overseas Property Developers, Agents and Consultants has a list of lawyers who specialise in buying abroad. Beware that in some countries lawyers act for you and the seller, so make sure you're getting independent advice. Talk to a British lawyer before you sign anything, and remember, you often cannot pull out of an agreed offer as you can in England and Wales. Are there any hidden costs? Almost certainly. Britain has some of the cheapest home-buying costs in Europe. For example, French legal fees are high - ranging between 10% and 18% of the house price. There is also a regional tax and an occupancy tax if you live there more than eight months a year. In Spain, valuation costs 100, and loans must be signed by the public notary. This costs 580 on a 45,000 mortgage. Taxes and legal fees will normally amount to at least 10% of the property value. What about day to day running costs? The buying process is the not the end of the expense. Check carefully what local taxes you must pay, and be aware that in many blocks of flats you have to pay a service charge. You'll need to open a local bank account, as services such as water and electricity may only connect you if you sign a direct debit. Local bills must be paid in local currency - this costs money to buy and in some cases foreign banks charge extra for transactions. Are there tax implications? Yes. If you rent out your property abroad income will have to be declared to the British taxman. Check out the tax laws of the country you're buying in. There may be implications if you rent or sell the house. Many countries have reciprocal tax agreements with the UK so that you don't end up paying tax twice. You also need to make a will, as local inheritance tax laws may also come into play. Most of Europe is governed by Napoleonic law, which means that your children and spouse will be entitled to a share of your estate. This can create inheritance tax problems in the UK, where only assets left to a spouse are exempt from IHT. Get good advice. How do I insure my home? Ask your own home insurer if they offer a deal to insure a property abroad. Average User Rating: Not Rated -- Sponsored Links Buying in the Sun? Barclays' European mortgages and bank accounts - in France, Spain, Portugal and Italy. Guide to Moving Abroad Thinking of buying abroad? Try this site for advice and ideas. Save Money when Buying Property Abroad Great exchange rates, expert guidance, no commission and fast transactions. Make your money go further with Moneycorp. Advertising | Disclaimer | Privacy Policy | Email Us | Add URL | FAQ © UK Net Guide 2000-2005. All Rights Reserved. Thousands of properties on Loot.com now! Tools & Search Property Search Auction Search Compare Utilities Flatshare Search Home Insurance Search Mortgage Search New Homes Search Repossessed Homes Other Useful Guides More Guides... 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Florida Real Estate on

ERA - Destin Real Estate - Destin Florida Real Estate - Fort Walton Beach Real Estate Destin Real Estate, Fort Walton Beach Real Estate and Destin Waterfront Real Estate Kim Gibbons, Owner, Realtor® Licensed Florida Broker Enjoy a Beautiful Area Home . . . Experience the natural beauty of the Destin, Florida Emerald Coast; sugar white sand, clear emerald green water and the warm friendly atmosphere. Find for yourself what others have discovered with Destin real estate , a great investment. GOLF BEACHES BOATING Find the Property that Meets Your Very Special Needs... Destin Golf and waterfront Real Estate Destin Florida Real Estate on the Gulf Oceanfront Homes, and Retirement Investments Vacation and Beach Front homes for Sale Real Estate in Ft Walton Beach Relocating? Please fill out this brief on-line Relocation Assistant Form. Upon receipt of this information I will email you an interactive list of the latest Destin real estate that meet your requirements with photos for you to evaluate, it's a that easy! I will also provide you with any information about your new community and answer any questions you may have with the utmost confidentiality. Looking for a Home? Destin Florida Featured Properties... Use my Find a Home service to have me locate Destin real estate or realty in the surrounding communities that meets your specific needs. This is a great, free , no hassle way to find your next home. Take a look at these great Emerald Coast Featured Properties . Looking for a new Destin Florida or Fort Walton Beach condominium? If so, then you've made a wise decisions. Enjoy the advantages: Low maintenance • ;Value• Location • Security • Recreational Facilities • Added free time • And More... Click here to find out more about Destin Condos Retiring? Well, You've picked the right place. Great year round climate, lots of amenities and activities to enjoy life to it's fullest! Please use the links to your left and below for more Gulf Coast information. Have a Look then call me... Use the Destin Florida Fort Walton Beach MLS , Multiple Listing Service, to see for yourself the availability of Destin Florida Area properties, including Okaloosa Island that you are interested in and then call or email me for more information or to see them. This page allows you to see MLS properties for the entire State of Florida! If you have any questions please contact me phone or email below. Kim Gibbons, Owner, Realtor® Toll Free: (866) 906-1811 kim.gibbons@era.com Destin Area Maps Site Map | Pensacola Florida | Fort Walton Beach Condos | Destin Florida Realty Okaloosa Island Condos | Destin Pre-Construction Condos | Real Estate Agents Destin Florida, Fort Walton Beach Northwest Florida Daily News Destin Chamber of Commerce Other Gulf Coast Resources Google This Website Relocation Referral Network Relocation Referral Network All Top Realtors Who are Especially Web Savvy. Hawaii real estate Ventura / Oxnard Real Estate florida Real Estate Eglin Real Estate Austin Homes New Hampshire Real Estate Las Vegas Real Estate Disclaimer

Las Vegas Real Estate

Tiny Vegas home sits at center of housing craze - Real Estate - MSNBC.com Skip navigation Business Stocks & Economy Personal Finance Real Estate U.S. Business Intl Business Oil & Energy Automotive Aviation Food Inc. CNBC TV Forbes.com BusinessWeek Financial Times Motley Fool Small Business Local Business U.S. News World News Business Sports Entertainment Tech / Science Weather Health Travel Blogs Etc. Local News Newsweek Multimedia News Video Most Popular NBC NEWS MSNBC TV Today Show Nightly News Meet the Press Dateline NBC MSNBC Home Business Real Estate Tiny Vegas home sits at center of housing craze His property in demand, former waiter raises asking price to $1.2 million Jae C. Hong / AP Manuel Corchuelo's 700-square-foot housein the Las Vegas neighborhood ofNaked City,purchased for $30,000 in 1978,is currently on the market for $1.2 million. The tract home is rapidly being surrounded by high-rise condominium projects. LAS VEGAS - Its front windows wish you "Feliz Navidad" in paint that won't wash off. The landscaping consists of four shriveling cacti and a patio piled with empty cat food boxes. Inside, it's 700 square feet of confirmed bachelor's clutter. And it can all be yours for $1.2 million - cash. There's perhaps no better evidence of the condo fever raging through Las Vegas' real estate market than the asking price on Manuel Corchuelo's home. Once considered deadlocked in the wasteland where the Las Vegas Strip fizzled into a decaying downtown, the World War II-era home is now happily nestled in the shadows of billions of dollars of new and proposed high-rise condominium projects. Corchuelo is sitting on much-coveted land. From his front lawn, Corchuelo likes to smile up at the cranes and listen to the clang of construction. "It's a good sound," he said. The former catering waiter and Colombian immigrant bought the home in 1978 for $30,000. He worked more than 20 years serving high rollers and conventioneers. He never married, saved some money and lost $15,000 of it on the stock market. Ten years ago, he started reading about investors' plans to build condominiums outside his door. He cut the clipping from the newspaper and put it in a three-ring binder. A few years later, he put his house on the market. He is still holding out for an acceptable offer. At last count, there were 93 luxury condominium projects, totaling 175 towers, proposed, planned or under construction in the Las Vegas valley in the second quarter of this year, according to a report released in September by Applied Analysis, a Las Vegas-based consulting firm. Though Brian Gordon, an analyst for the group, estimates that little more than one in three of the 93 will ever open its doors, 15 projects representing 10,000 units are expected to be completed by the end of next year. Developers tout the boom as the Manhattanization of Las Vegas, the move to "verticality" instead of sprawl. They promise an urban lifestyle, skyline views and celebrity neighbors. They court the young, rich and out of town. About 85 percent of condo buyers are non-Nevada residents or investors, Gordon said. Most of the projects are huddled on or around the Strip. "It's sort of like beach-front property. They're not making any more of it. Everybody that's within a stone's throw thinks their property is worth $20 million an acre," he said. The hype is fueling increases throughout the city. The cost of a vacant acre in the Las Vegas area has hit $601,600 - an 88 percent increase over last year. Corchuelo's home is one block off Las Vegas Boulevard and across the street from the future home of the Allure, a 41-story luxury complex under construction. Five years ago, his initial asking price of $350,000 attracted few offers. His agent dropped the listing. Corchuelo continued to collect articles about the market, filling three binders full of stories and notes handwritten in Spanish. He studied the moves of the city's real estate tycoons. "Even Trump makes mistakes," he said, citing a sale he says cost real estate mogul Donald Trump millions. "You have to know the area. Steve Wynn, he knew what he was doing. He had experience - 20 years building hotels. He knows everything moves in cycles." Corchuelo found an agent who, like him, is convinced they're riding an upturn that hasn't peaked. The pair has upped the asking price several times and are looking for a buyer who doesn't need financing. CONTINUED: Why they call it Naked City 1 | 2 | Next > Print this Email this MORE FROM REAL ESTATE Real Estate Section Front . Sales of previously owned homes fall . Mortgage rates continue December descent . U.S. mortgage applications fell last week . New-home sales tumble in November . Q3 mortgage delinquencies jump . Report: Millions face critical housing needs . Bubble, bubble -- then trouble . Calif. home affordability near record low . Slowdown could claim 800,000 jobs . ARCHIVE: More on real estate . Real Estate Section Front 'Nasty fires' feared in Texas, Okla. Rains raise flood fears in California NBC: 'Weighty' Mideast challenges Man turned in by sons gets 40 years Grieving Dungy rejoins Colts MSNBC-TV Question of the Day Man ending 1,000-bar journey NOPD Chief addresses shooting Scarborough vlog: Advice for Dems Red flags within Red Cross? SPECIAL REPORT Related coverage Hot or not? Affordability index Mortgage calculator Full coverage City-by-city data Midwest Northeast South West Related Stories | What's this? Turnberry keeps rolling in Las Vegas Was that Elvis? Las Vegas Marathon set to roll Californians gamble on career in real estate Las Vegas buries a slice of history to end centennial events Station plans another neighborhood casino in North Las Vegas Most Popular Most Viewed Call it the year of lame excuses Insurgents slay 11 Shiite family members in Iraq Man turned in by sons gets 40 years in prison Body of missing N.J. police officer recovered Top 10 films of 2005 Most viewed on MSNBC.com Top Rated Dungy rejoins Colts, expected to coach Sunday Abramoff probe spells trouble for Congress Mother of 5 locked in battle with music industry The lowest scam Study: Vitamin D lowers risk of major cancers Most viewed on MSNBC.com Most E-mailed Call it the year of lame excuses 2-year-old gets drunk; baby-sitter charged Abramoff probe spells trouble for Congress FSU star linebacker accused of sexual assault Survey: One in 10 teens face major depression Most viewed on MSNBC.com Cover | U.S. News | World News | Business | Sports | Tech/Science | Entertainment | Travel | Health | Blogs Etc. | Weather | Local News Newsweek | Today Show | Nightly News | Dateline NBC | Meet the Press | MSNBC TV About MSNBC.com | Newsletters | RSS | Podcasts | Help | News Tools | Jobs at MSNBC.com | Contact Us | Terms & Conditions | Privacy © 2005 MSNBC.com MSN Privacy | Legal Feedback | Help

home equity line of

NYS Banking Department-Home Equity Line Of Credit Survey Interest Rate Information Home Equity Line Of Credit Markets Albany Buffalo Long Island New York Metro Rochester Syracuse Westchester Co, NY Definition of terms used in this survey. New York State home equity line of credit Average Highest Lowest 6.72 8.25 1.74 Albany Institution Telephone Date Rate Fees and Conditions Adirondack Trust Co 518-584-5844 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $10,000 min Central National Bank 800-449-6842 12/23/05 8.25 P+1.25% (no floor); no yrly fee; $7,500 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 518-270-3200 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.75 P-0.25% (no floor); no yrly fee; $2,000 min TrustCo Bank 518-436-9043 12/23/05 7.50 P+0.50% (no floor); no yrly fee; $7,500 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 2.49 P-0.25% (no floor); 4-mo intro; no yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min Evans National Bank 716-549-6000 12/23/05 1.74 P+0.00% (no floor); 3-mo intro; $99 yrly fee; $7,500 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-433-4368 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Independence Community Bank 800-732-3434 12/23/05 7.25 P+0.25% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Canandaigua National Bank 585-394-4260 12/23/05 7.75 P+0.75% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 716-434-6621 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 7.25 P+0.25% (no floor); 0% 3 month intro; no yrly fee; $7,500 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 1.99 P-0.26% (no floor); 4-mo intro; no yrly fee; $5,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min Fulton Savings Bank 315-592-4201 12/23/05 6.00 P+0.00% (no floor); 12-mo intro; no yrly fee; $5,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Solvay Bank 315-468-1661 12/23/05 7.00 P+0.00% (4.00% floor); no yrly fee; $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 5.25 P+0.00% (no floor); 6-mo intro; no yrly fee; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Wachovia Bank, NA 800-922-4684 12/23/05 7.25 Range: P+0.00% to 2.00% (no floor); no yrly fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rates are subject to change without notice and may vary from branch to branch. Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. 2005: Bankrate.com All rights reserved. | Home Search | Site Map | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified Friday, December 23, 2005 FastCounter by bCentral