actually , not cheap if you compare with FFRK . FFRK pack price is screwed to please the gamers . not saying that it ' s a wrong thing , but I think It ' s not wise to compare future legend cards with FFRK price . compare to Type 0 , this banner is considerably a lot better . <| sep |> Yup , I got one last year . Mine is through our credit union . With rates how they are , it seemed like a pretty good deal . Interest rate was a little higher , but it really wasn ' t bad . 30 year 100 % at 200 k . Gotta have great credit and good income potential . <| sep |> I imagine it would have something more to do with the way it was made then vs how it ' s made now , as opposed to anything to do with the physical age of it . <| sep |> It is ! I ' m real and telling the truth . Please don ' t immediately accuse someone of lying . Sorry , I just haven ' t been active at all .