TAILIEUCHUNG - A Shopper’s Guide to Bank Products and Services

After the financial panic began in July 2008, figure 2 shows that the Fed responded by more than doubling the stock of base money, which reflects the huge increase in commercial bank reserves from the Fed’s extraordinary purchases of financial assets from the private sector. However, M2—a broad measure of deposits held by the nonbank public— only increased a modest 5 percent, reflecting an offsetting large fall in the base money multiplier. Most disappointing of all, figure 2 also shows that retail bank lending declined--and continues to decline so far in 2009. Insofar as . commercial banks. | FDIC ConsumerNews Summer 2005 What to Know and Ask About. Mortgages Home Equity Products Credit Cards Checking Accounts Bank CDs ALSO INSIDE Focus on Fraud Page 11 News Briefs Page 12 URANCE CORPORATION A Shopper s Guide to Bank Products and Services And. Credit Reports Credit Scores and Your Buying Power Pros and Cons of Banking Over the Internet Does a Gift for Opening an Account Make for a Great Deal Banks as Financial Supermarkets A Basic Shopping List for Bank Customers How the FDIC Can Help You Shop A Shopper s Guide to Bank Products and Services Mortgages Not that long ago your mortgage choices were relatively simple. Did you want a fixed-rate loan or an adjustable-rate mortgage aRm Would you prefer a 15- or 30-year repayment period Now many new loan products are being widely offered that could benefit some people but be huge mistakes for others. If you re likely to have increasing income or if you are likely to move in a few years an adjustable-rate mortgage may be appropriate because you should be able to afford the payments if interest rates rise. But if your income is steady and you plan to stay in the house for the foreseeable future you ll probably benefit from the security of a fixed-rate mortgage. A 30-year fixed-rate mortgage will have lower monthly payments than a 15-year mortgage but will cost you more in the long-term. You need to decide which repayment period best suits your needs. Once you re ready to shop for a loan read more advice in the brochure Looking for the Best Mortgage Shop Compare Negotiate at consumers looking . Among the key tips in the brochure Contact several lenders to find a selection of loan products and terms that best suit your needs. Don t just ask about the interest rate. Also inquire about loan origination fees More Choices New Risks for Borrowers for processing the loan insurance and other costs which can be substantial. If you apply for a loan the Real Estate Settlement Procedures Act entitles you

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