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average interest rate car loan - PDF

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									                              Wall Street Horizons Interest Rate Calendar
                                              Version 1.0
                      WSDL: http://ws.strikeiron.com/WSHInterestRateCalendar?WSDL
                   Product Web Page: http://www.strikeiron.com/ProductDetail.aspx?p=389


Description: Evaluate interest rate averages based on mortgage type, The Federal Reserve Prime Rate,
savings account rates, and consumer loan rates including Home Equity Line of Credit, Credit Cards, and
Car loans. Current daily rates and 52 week historical averages are available from The Wall Street Horizon
National Consumer Interest Rate Survey.

Required License Information: The LicenseInfo parameter in our Web services provides the
authentication credentials that allow you to invoke the Web service. If you are currently unregistered with
StrikeIron, use your email address in the UnregisteredUser field. If you are registered with StrikeIron, use
the UserID and Password associated with your StrikeIron account in the UserID and Password fields.
Alternatively, you can also use your license key obtained from My StrikeIron (leave the password blank).

 LicenseInfo Field: UnregisteredUser Input
 EmailAddress:                                                            johndoe@strikeiron.com

 LicenseInfo Field: RegisteredUser Input                                  Sample Input
 UserID:                                                                  johndoe@strikeiron.com
 Password:                                                                Password1


 Service Response Information Output                                      Sample Output
 ResponseCode: This field returns a numeric code that indicates the       0
 status of the request. If the request is successful, the response code
 is set to 0. The other response code value is 2 for failure.

 Response: This field returns the response status (successful or not)     Success
 and identifies what kind of errors it encounters, corresponding to
 ResponseCode. Returned values can be Success or Failure. If the
 address entered as input is not found, or the input yields an output
 that is unsuccessful, then the Response is Failure.



 License Subscription Information Output                                  Sample Output
 LicenseStatusCode: This field returns a numeric code indicating          0
 the StrikeIron license action taken as a result of invoking this
 operation from the User ID and Password used for input. Valid
 license codes are 0, 1, and 2. For example, a valid User ID and
 Password returns the code 0 with a corresponding LicenseStatus
 value of Valid license key.

 LicenseStatus: This field returns the status of the StrikeIron User ID   Valid license key
 and Password corresponding to the LicenseStatusCode.

 LicenseActionCode: This field returns a numeric code indicating          0
 the StrikeIron license action taken as a result of invoking this
 operation. GetRemainingHits returns the code 5 with a
 corresponding LicenseAction value of Get remaining hits.




Wall Street Horizons Interest Rate Calendar v1.0                                                       page 1
 License Subscription Information Output                                  Sample Output
 LicenseAction: This field returns the license action taken as a result   Decremented hit count
 of invoking this operation from the User ID and Password used
 corresponding to the LicenseActionCode.

 RemainingHits: This field returns the number of hits against the         2
 StrikeIron license key used when invoking this operation.

 Amount: This field returns the number of hits used from the              0
 StrikeIron User ID provided to invoke this operation.



Available operations:
   • CurrentInterestRates
   • HistoricalInterestRates
   • GetAllStatuses (no hits)
   • GetServiceInfo (no hits)
   • GetRemainingHits (no hits)


 Operation: CurrentInterestRates Input                                    Sample Input
 Note: The only input needed for this operation is the LicenseInfo        (No input required)
 data. This operation returns the most current interest rates.


 Operation: CurrentInterestRates Output                                   Sample Output
 CollectionDate: Identifies the collection date for data in the records   2007-12-07
 in the format YYYY-MM-DD.

 MortgageRate30YF: Returns the average interest rate for a 30-year        5.96000
 fixed rate mortgage.

 MortgageRate30YFAvgPts: Returns the average number of points             0.40000
 required at closing as an origination fee for a 30 year fixed rate
 mortgage.

 MortgageRate15YF: Returns the average interest rate for a 15-year        5.65000
 fixed rate mortgage.

 MortgageRate15YFAvgPts: Returns the average number of points             0.50000
 required at closing as an origination fee for a 15 year fixed rate
 mortgage.

 MortgageRate5YARM: Returns the average interest rate for a 5             5.75000
 year/1 year adjustable rate mortgage.

 MortgageRate5YARMAvgPts: Returns the average number of                   0.50000
 points required at closing as an origination fee for a 5 year/1 year
 adjustable rate mortgage.

 HomeEquityLOCVariable: Returns the average interest rate (APR)           7.51000
 for a variable rate, variable time frame Home Equity Line of Credit.

 CreditCardNonReward: Returns the average interest rate (APR) for         10.96000
 a credit card with reward benefits.

 CreditCardReward: Returns the average interest rate (APR) for a          13.14000
 credit card with no reward benefits.
Wall Street Horizons Interest Rate Calendar v1.0                                                  page 2
 Operation: CurrentInterestRates Output                                     Sample Output

 PrimeRate: Returns the current Bank Prime Loan Rate as set by the          7.50000
 Fed’s Federal Open Market Committee.

 CarLoanNew60M: Returns the average interest rate for a 60-month,           6.80000
 new car loan, purchased from a dealer.

 CarLoanUsed36M: Returns the average interest rate for a 36-                7.17000
 month, used car loan, purchased from a dealer.

 BankSavingsAccount: Returns the average interest rate paid by a            0.26000
 bank or thrift on a basic level savings account.

 BankMoneyMarketAccount: Returns the average interest rate paid             2.36000
 by a bank or thrift on a money market savings account.



 Operation: HistoricalInterestRates Input                                   Sample Input
 Note: The only input needed for this operation is the LicenseInfo          (No input required)
 data. This operation returns historical interest rates over the last 52-
 weeks.


 Operation: HistoricalInterestRates Output                                  Sample Output
 (Multiple results returned, one example provided below)
 CollectionDate: Identifies the collection date for each column of          2006-12-08
 data in the records in the format YYYY-MM-DD.

 MortgageRate30YF: Returns the average interest rate for a 30-year          6.11000
 fixed rate mortgage.

 MortgageRate30YFAvgPts: Returns the average number of points               0.50000
 required at closing as an origination fee for a 30 year fixed rate
 mortgage.

 MortgageRate15YF: Returns the average interest rate for a 15-year          5.84000
 fixed rate mortgage.

 MortgageRate15YFAvgPts: Returns the average number of points               0.50000
 required at closing as an origination fee for a 15 year fixed rate
 mortgage.

 MortgageRate5YARM: Returns the average interest rate for a 5               5.92000
 year/1 year adjustable rate mortgage.

 MortgageRate5YARMAvgPts: Returns the average number of                     0.50000
 points required at closing as an origination fee for a 5 year/1 year
 adjustable rate mortgage.

 HomeEquityLOCVariable: Returns the average interest rate (APR)             8.25000
 for a variable rate, variable time frame Home Equity Line of Credit.

 CreditCardNonReward: Returns the average interest rate (APR) for           13.18000
 a credit card with reward benefits.

 CreditCardReward: Returns the average interest rate (APR) for a            15.30000
 credit card with no reward benefits.
Wall Street Horizons Interest Rate Calendar v1.0                                                  page 3
 Operation: HistoricalInterestRates Output                           Sample Output
 (Multiple results returned, one example provided below)

 PrimeRate: Returns the current Bank Prime Loan Rate as set by the   8.25000
 Fed’s Federal Open Market Committee.

 CarLoanNew60M: Returns the average interest rate for a 60-month,    6.99000
 new car loan, purchased from a dealer.

 CarLoanUsed36M: Returns the average interest rate for a 36-         7.49000
 month, used car loan, purchased from a dealer.

 BankSavingsAccount: Returns the average interest rate paid by a     0.30000
 bank or thrift on a basic level savings account.

 BankMoneyMarketAccount: Returns the average interest rate paid      2.00000
 by a bank or thrift on a money market savings account.

 Count: Returns the count of the number of records returned from     53
 this invocation.




 Operation: GetAllStatuses Input                                     Sample Input
 Note: The only input needed for this operation is the LicenseInfo   (No input required)
 data. This operation displays a list of status codes that will be
 returned for the Web service.


 Operation: GetAllStatuses Output (SIWsStatus)                       Sample Output
 StatusNbr: 200                                                      …
 StatusDescription: Valid

 StatusNbr: 210
 StatusDescription: Found

 StatusNbr: 300
 StatusDescription: Not Valid

 StatusNbr: 310
 StatusDescription: Not Found

 StatusNbr: 400
 StatusDescription: Invalid Input

 StatusNbr: 500
 StatusDescription: An internal error has occurred

 Count: This field returns the total number of StatusCodes for the   6
 Web service.


 Operation: GetServiceInfo Input                                     Sample Input
 Note: The only input needed for this operation is the LicenseInfo   (No input required)
 data. This operation provides information about the Web service.




Wall Street Horizons Interest Rate Calendar v1.0                                           page 4
 Operation: GetServiceInfo Output (ServiceStatus)                         Sample Output
 StatusNbr: This field returns a number referring to the status of this   210
 request. (See GetAllStatuses)

 StatusDescription: This field returns the description of the status      Found
 number. (See GetAllStatuses)



 Operation: GetRemainingHits Input                                        Sample Input
 Note: The only input needed for this operation is the LicenseInfo        (No input required)
 data.



 Operation: GetRemainingHits Output (SubscriptionInfo)                    Sample Output
 LicenseStatusCode: This field returns a numeric code indicating          0
 the StrikeIron license action taken as a result of invoking this
 operation from the User ID and Password used for input. Valid
 license codes are 0, 1, and 2. For example, a valid User ID and
 Password returns the code 0 with a corresponding LicenseStatus
 value of Valid license key.

 LicenseStatus: This field returns the status of the StrikeIron User ID   Valid license key
 and Password corresponding to the LicenseStatusCode.

 LicenseActionCode: This field returns a numeric code indicating          0
 the StrikeIron license action taken as a result of invoking this
 operation. GetRemainingHits returns the code 5 with a
 corresponding LicenseAction value of Get remaining hits.

 LicenseAction: This field returns the license action taken as a result   Decremented hit count
 of invoking this operation from the User ID and Password used
 corresponding to the LicenseActionCode.

 RemainingHits: This field returns the number of hits against the         2
 StrikeIron User ID and Password used when invoking this operation.

 Amount: This field returns the number of hits used from the              0
 StrikeIron User ID provided to invoke this operation.

 GetRemainingHitsResponse: This field only returns subscription
 information.




Wall Street Horizons Interest Rate Calendar v1.0                                                  page 5

								
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