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Our. Hone ImprovementI m m . . .OurAuto Loons...H E I P W S M W D TH E PO IH O U ES.Let the professionals at W illiam sburgh SavingsB ank put you on the right road to auto financingwith:Low Interest Rates. A rate for the car you w ant tobuy, not a dealer rate on the car they w ant you tobuy. As a custom er of W illiam sburgh, with $500 orm ore on deposit, you can cut our low rate anadditional %%.O N MAKE HOME SWEET HOMEA LITTLE SWEETER.Pre-A pproved Loans. W e give you all the facts upfront so you know in advance how m uch you canborrow and for how long. Then you have 90 daysto shop for the car you w ant and be in a stong%u201ccash position\Let the professionals at W illiam sburgh SavingsB ank help you put your h o m e im provem ent ideasinto action. There's no reason to delay that specialproject th at will give you and your fam ily newpleasure from your hom e.Loans for new and used cars. At W illiam sburgh wem ake loans up to $25,000 for as long as 5 years fornew cars, and up to $15,000 for as long as 4 yearsfor used cars.O u r presentA uto Loanrates fordepositorsstart atA PR for 48 months.To get your financing started, Just stop by any o four convenient branches for complete Information,or call toll freeO u r attractive rates and term s m ake it easy foryou to m ake the im provem ents you w ant, andincrease the value of your hom e. As a custom er ofW illiam sburgh, w ith $500 o r m ore on deposit, youcan cut o u r low rates by an additional %%. Loansare available for o n e - to fo ur-fam ily hom es.O u r presentH om eIm provem entLoan ratesfor depositorsstart at IIJSX A P R fo r 12-60 m onths.Sim ply stop by the branch nearest you to find outhow easy It Is to m ake yo u r hom e a little sweeter,or call718-270-4300 718-270-4300MAKE BUYING Oft REFIHANCING EASY.Our Low Rolen w v l I H t N K 9 t %u00ab tG etting a new m ortgage doesn't have to be a hassle or afrustrating experience. Th at%u2019s w hy W illiam sburgh Savings Banktells you up front w hat to expect before closing.After all %u2014 once you have all the facts, you can choose them ortgage that%u2019s best for you, w hether it be a W illiam sburghA djustable R ate M ortgage (A R M ) or a Fixed Rate M ortgage.Either w ay you can finance up to 80% of appraised value w ith am axim um term of 30 years. A djustable rate loans are availableup to $250,000 on 1- to 4-fam ily ow ner occupied homes andcondos. Rates m ay rise or fall but never m ore than 2% eachperiod. O ne-year A R M s have a lifetim e cap of 6% above initialrate, and 3-year A R M s a 5% cap.Exam ples of O u r C urrent M o rtg age Rates are:1 Y EA R A D JU S T A B L E RATE M O R T G A G E7.45R A TE A N N U A L PER C E N TA G E RATE% 8.47%3 Y EA R A D JU S T A B L E RATE M O R T G A G E8.88RATE A N N U A L PER C E N TA G E RATE% 9.85%Origination Fee is a low 2%. Each period rates will be adjusted to2%% above the Treasury Constant Maturities for the U S. G overnment Securities as published by the Federal Reserve Board, butnever more than 2% each period. The APRs are based on thecurrent indexes of 5.82% and 6.66% respectively for the weekending 10/24/86. Examples of the monthly principal and interestpayments at the above rates would be $6.96 or $7.96 per $1,000for the one and three year ARM s and are based on 360 payments.Fixed rate mortgages and ARMs with no points also available.Call our Mortgage Hot Line1-800-633-0660for an application, information and nearest branch location.We know the m ortgage business, and we like It.Dffiras throughout Rrooklyn Ouftans Manhattan Nassau and SuffolkRates are subject to change w ithout prior notice. EqualOpportunityLenderPage 32, T H E P H O E N IX , N ovem ber 6, 1986