On the CTC Wings thread a few people have said that BA want more cadets to join from the CTC pool. So maybe they are assessing the "graduated" CTC Cadets until Monday using the same process / methodology as they did for us?
I agree that 5% is unlikely in next year or two, however the loan term is for 9 years which will surely cover a whole economic cycle. So I think it is very likely that interest rates will be above 4% for a portion of the 9 years.
Looking at the shiny Oxford Finance Brochure (
http://www.caeoaa.com/uploadedFiles/...20brochure.pdf ) , BBVA will provide finance at base rate plus 3%, but that requires equity on a property..
I suspect the 3.9% rate is a result of having a "non investment grade" credit rating (ie rated as junk). Lets hope its not paying that much on the finance for its A380's!