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August 4th, 2009 @7:21 pm  

You’re definitely right about small local banks and credit unions having the best rates – although I’m not looking for a mortgage loan, I recently got a car loan at my credit union for 4.5% for 5 year auto loan. If I pay it in 3 years I’m literally not paying any interest since I got the $1500 car rebate. 🙂

August 5th, 2009 @7:38 am  

A few years ago the best rates I could find by far were with the large online brokers (IndyMac, Countrywide…) – they didn’t just do sub-prime loans they had great rates on prime loans 30 year fixed rates too. I refinanced recently and my credit union offered the best deal – they were not close to competitive a few years ago.

August 5th, 2009 @8:11 am  

Getting a loan in my country is like miracle performed on a window. Truly it is impossible to get a loan if you don’t have salary about twice of medium country salary. Or even more. Than you can get loan to buy a flat which you will be paying for next 30 years. This is just insane for me.

car phi Said,
August 5th, 2009 @8:40 pm  

The days of easy credit are gone. This nation is bankrupt, and I dare say financial institutions have learned their lesson. What does this mean for the common person? Simply, we’re not going to be able to afford much anymore.

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