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Mortgage Types Could Be Right for You If. Benefits & Details Conventional Fixed Rate Mortgage You plan to stay in your home for more than a few years. Rate remains the same for the term of the loan.
Allows for easier budgeting. Conventional Adjustable Rate Mortgage You may want to sell or refinance sooner and are looking for lower payments in the initial years of your loan. Interest rate adjusts periodically to reflect market condition within a predetermined time frame, and there may not be a cap on interest rate increases. Lower initial rate can be locked in for different time periods, after which the interest rate and monthly payments may change. FHA Mortgage You qualify based on income and other factors.
Low down payment options, plus the ability to use gift funds for down payment and closing costs. Backed by the FHA, so the lending restrictions may be more relaxed than for conventional mortgages. VA Mortgage You qualify for a VA home loan as a veteran or reservist. VA loans are partially guaranteed by the VA, so private lenders can provide better terms. 100% loan-to-value without mortgage insurance and no down payment in most cases. 1 Jumbo Loan You are in the market for a higher priced home.
Loan amounts up to $3.5 million with fixed- and adjustable-rate options. SilverKey. GoldKey, exclusively for Key Private Bank clients Combination You have funds for a 10% down payment. Two simultaneous mortgages, one for 80% of the home’s value (LTV) and one for 10% LTV. The remaining 10% is your down payment.
Eliminates the need for Private Mortgage Insurance (PMI). Key Community Mortgage ® You qualify based on income or location. May offer up to 100% financing. Conventional financing with no Private Mortgage Insurance (PMI) required. Mortgages for Medical Professionals You qualify based on your profession.
Tailored to the financial realities of physicians, veterinarians and dentists. Up to 100% loan-to-value (LTV) or combined loan-to-value (CLTV). State Bond You are qualified as a first-time homebuyer in the state that offers the loan program. Various programs with competitive rates and low down payments.
Embargoed till 1 November 2003, 9:30am PRESS RELEASE OFFICIAL LAUNCH OF NATIONAL GRID PILOT PLATFORM SINGAPORE, 1 November 2003 - The National Grid Pilot Platform (NGPP) is officially launched today by BG (NS) George Yeo, Minister for Trade & Industry. The NGPP is the first phase of a national cyber-infrastructure that links up compute resources in Singapore. The National Grid has the vision of transforming Singapore into a nation where computer resources can be connected together via a high-speed network. Sharing of resources in a secure, reliable and efficient manner by authenticated users for education, commercial, entertainment, R&D, national security and other purposes will improve the economic and technological competitiveness of Singapore. The NGPP is co-funded by the two research councils of the Agency for Science, Technology and Research (A.STAR) - Science & Engineering Research Council and Biomedical Research Council, the Defence Science & Technology Agency (DSTA), the Economic Development Board (EDB), the Infocomm Development Authority of Singapore (IDA), the National University of Singapore (NUS), the Nanyang Technological University (NTU) and the Singapore-MIT Alliance (SMA).
Three A.STAR's research institutes together with NUS, NTU and SMA have committed to share their technical computing resources on the NGPP. Today, the 1 Gbps high-speed network connects A.STAR's research institutes and the two main universities, making available over 200 CPUs that provide about 750 Giga FLOPS (750 billion FLoating point Operations per Second) of heterogeneous computing resource for sharing. Peter Ho, Chairman of the National Grid Steering Committee and Permanent Secretary for the Ministry of Defence said: 'There is a growing demand for advanced computing resources, as our technology advances and more complex computational systems are developed. This Pilot Platform will provide the infrastructure that allows companies and researchers to solve problems beyond the capacities of their in-house computing resources.
The National Grid will enhance the technological edge of Singapore and attract more high value R&D investments.' Nobel Laureate Dr Sydney Brenner, Deputy Chairman of National Grid Steering Committee and Chairman of the Biomedical Research Council of A.STAR commented: 'We need to continuously look ahead to be ready for next wave to maintain Singapore's position as a technologically progressive connected hub The National Grid recognises the potential of networked distributed computing and resources. It is the solution that would enable efficient resource utilisation and sharing to fully exploit the connected virtual community' Several Grid Computing applications are in use today.