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Topic: Interest rate

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In the News (Thu 20 Jun 19)

  Interest rate - Wikipedia, the free encyclopedia
Interest rates are normally expressed as a percentage over the period of one year.
Interest rates are the main determinant of investment on a macroeconomic scale.
Interest rates are set by a government institution, usually a central bank, as the main tool of monetary policy.
en.wikipedia.org /wiki/Interest_rate   (1410 words)

 Interest rate parity - Wikipedia, the free encyclopedia
The interest rate parity is the basic identity that relates interest rates and exchange rates.
The covered interest parity states that the interest rate difference between two countries' currencies is equal to the percentage difference between the forward exchange rate and the spot exchange rate.
Thus the basic idea of covered interest arbitrage is to borrow in the country with lower interest rate and invest in the country with higher interest rate.
en.wikipedia.org /wiki/Interest_Rate_Parity   (1354 words)

 Student loan interest rates and fees
The interest rate on PLUS loans first disbursed July 1, 2005–June 30, 2006 is variable and is set at 7.94%.
Interest rate disclaimer: This information is provided for the convenience of you, the student, and your school.
However, interest rates are actually variable, and the APR and monthly payment amount may increase after the loan is disbursed.
www.salliemae.com /apply/borrowing/interest.html   (2016 words)

The rate of interest was fixed in 1702 at six per cent and so remained until 1872 when parties were permitted to contract for any rate.
In 1877 the rate was fixed at six per cent, in the absence of agreement to the contrary.
Prejudgment interest pursuant to section is not warranted, however, in actions for breach of contract where damages sought are similar to those in a personal injury action for negligence, where a party seeks to be made whole for a loss caused by another.
www.cga.ct.gov /2005/pub/Chap673.htm   (2657 words)

 Interest Rates
Today we understand that interest rates have a strong fundamental relationship with inflation, a relationship that is expected to generate prompt interest rate adjustments when the rate of inflation changes.
The fundamental relationship that is widely accepted today—that interest rates, particularly long-term rates, are directly affected by the rate of inflation—was not apparent during the first two-thirds of the past century.
Bond market pundits are calling for higher interest rates in the near future (keep in mind that most are providing perspectives consistent with the past twenty years, when inflation was being controlled downward by the Fed, rather than in an environment with the conditions that exist today).
www.crestmontresearch.com /content/irates.htm   (1171 words)

 Interest Rates - The Most Up To Date Interest Rates In Australia - Your Mortgage
The interest rate is usually low to attract new borrowers and normally lasts for a period of two years or less.
The interest rate is fixed for the term of the loan - usually between one and 10 years.
The interest rate on the offset account is the same as on the loan.
www.yourmortgage.com.au /rates   (779 words)

 Simple and Compound Interest Rates   (Site not responding. Last check: 2007-10-22)
An interest rate is the cost stated as a percent of the amount borrowed per period of time, usually one year.
The interest earned in each period is added to the principal of the previous period to become the principal for the next period.
You must adjust the interest rate and the number of periods to be consistent with compounding periods.
www.getobjects.com /Components/Finance/TVM/iy.html   (838 words)

 Social Security Interest Rates
Interest on special-issue investments is paid semi-annually, at the end of June and the end of December.
We calculate an effective interest rate by dividing interest earned on investments during a calendar year by the average level of investments during the year.
The effective rates in the graph are for the combined OASI and DI Trust Funds.
www.ssa.gov /OACT/ProgData/intRates.html   (286 words)

 Interest Rate Cap
If the index rate exceeds the cap rate, the payment is based upon the difference between the two rates, the length of the period, and the contract's notional amount.
Caps are frequently purchased by issuers of floating rate debt who wish to protect themselves from the increased financing costs that would result from a rise in interest rates.
interest rate swap A swap under which both cash flow streams are in the same currency and are defined as cash flow streams that might be associated with some fixed income obligations.
www.riskglossary.com /articles/cap.htm   (526 words)

 Interest Rate - Best-Ranks.com
By dividing the $10 interest amount by the $100 principal amount, the result is a percentage called the interest rate.
The interest rate of a loan is usually calculated as an annual figure, even if the terms of the loan call for a different repayment schedule.
In the case of a flexible interest rate, lenders often tie the loan's interest to the current federal lending rates, also known as the prime lending rate.
www.best-ranks.com /interest_rate.htm   (558 words)

 FinAid | Calculators | Education Loan Interest Rates
The interest rates on Federal education loans change on July 1, and are based on the 91-day rate from the last Treasury auction in May and the average one-year constant maturity Treasury yield (CMT) for the last calendar week ending on or before June 26th.
Interest rate hikes and cuts by the FOMC usually trigger corresponding increases and cuts in education loan interest rates.
The scheduled increase in the PLUS Loan interest rate was subsequently changed from 7.9% to 8.5% by the Higher Education Reconciliation Act of 2005, as passed on February 8, 2006.
www.finaid.org /loans/scripts/interest.cgi   (577 words)

 Interest rates: a key concept in Economics
For instance, the fixed interest rate paid to a bank by private firms for financing an industrial investment, characterized by a payback period of 3-7 years, exerts a crucial importance in the economy.
Different types of interest rate are linked and influence each others, so that the functioning of the financial markets and their international relationships explain a good deal of interest rate fluctuations.
If the interest rates are mainly used to fine tune the business cycle, then they will fall in recessions, slightly but steadily rise with recovery and, finally, will be increased at the end of the growth period to brake possible inflationary dynamics.
www.economicswebinstitute.org /glossary/interest.htm   (1576 words)

 OANDA FXTrade - Interest Rate Calculation
Lending rates are always higher than borrowing rates (e.g., when the bank lends you money, it charges a higher interest rate than it gives you on the money on your accounts).
OANDA credits or debits interest on the account (with an appropriate transaction) for trade that is open at 4pm, calculated for the time interval starting at 4pm the previous day or the time the trade was made, whichever is later, and ending at 4pm.
Note that the borrowing rate is quoted first, followed by the lending rate, and that interest rates are quoted in percentage points per year.
fxtrade.oanda.com /fxtrade/interest_calculation.shtml   (1301 words)

 Interest Rate Roundup
The average interest rate on all car-loan types except the 36-month, new-car rate remained the same this week.
The average interest rate on a 60-month, new-car loan stays at 7.94 percent, and the average interest rate on the 36-month, used-car loan sits at 8.83 percent.
The average rate on the standard variable credit card is at 14.75 percent, and the average rate for a fixed-rate card is 13.08 percent.
www.bankrate.com /brm/static/rate-roundup.asp   (673 words)

 interest rate Definition
An interest rate is often expressed as an annual percentage of the principal.
It is calculated by dividing the amount of interest by the amount of principal.
Interest rates often change as a result of inflation and Federal Reserve policies.
www.investorwords.com /2539/interest_rate.html   (190 words)

 Mortgage Interest Rates
When interest rates are rising, a fixed-rate mortgage is usually a good choice, since it locks in the current rate and protects you from the higher rates to come.
When rates are falling, an adjustable-rate mortgage (ARM) becomes more attractive, as its interest rate changes periodically (usually every one, three, or five years), allowing you to benefit from the new, lower rates.
If mortgage interest rates are rising when you're negotiating your mortgage, it can pay to "lock in" your promised rate and points while your mortgage is being processed for around 30 to 60 days.
www.lendingtree.com /cec/yourhome/yourmortgage/interest-rate-trends.asp?esourceid=24200&source=24200   (827 words)

 South-Western EconData -- Interest Rate Spread
The interest rate spread is a simple and powerful tool for forecasting recessions and has recently been added as a component of the Conference Board's Index of Leading Economic Indicators.
The interest rate spread used by the Conference Board is found by subtracting the Federal funds rate (the rate that banks charge one another for overnight loans) from the yield on the 10 year U.S. Treasury bond.
In order to understand the predictive power of the interest rate spread, it would be useful to review the concept of bond yield.
www.swlearning.com /economics/econ_data/interest_rate/interest_rate_definition.html   (610 words)

 Interest Rate Forecasting: Economic Indicators   (Site not responding. Last check: 2007-10-22)
Interest rates on residential mortgages and U.S. Treasury securities can be influenced by monthly changes and the longer-term trend changes of economic indicators.
There are many variables that can influence the rates on long-term debt instruments, but an understanding of key economic indicators can provide clues to the future direction of interest rates.
Conversely, a negative growth, or economic downturn may cause the Fed to lower interest rates to stimulate the economy and increase the growth rate.
mortgage-x.com /general/indicators.asp   (725 words)

 Boston.com / Business / Interest rate hikes to pinch credit cards   (Site not responding. Last check: 2007-10-22)
In a rising rate environment, experts say it's likely that more issuers will move to variable rates, since that structure is not only more profitable, but it also gives them the flexibility to protect their margins as their cost of funds increase.
As rates rise, that's likely to shift to 70 percent variable and 30 percent fixed -- a mix that was typical for most of the 1990s, he said.
Currently, average interest rates on variable-rate cards are 13.53 percent compared with average rates of 12.79 percent on fixed-rate cards, said Greg McBride, an analyst at Bankrate.com.
www.boston.com /business/articles/2004/06/29/interest_rate_hikes_to_pinch_credit_cards   (691 words)

 Current Mortgage Interest Rates - Mortgage Lender Interest Rate Survey
Rate commentary is a written dialogue discussing the effect the Federal Reserve is having on mortgage rates.
Mortgage101 Daily Rate Averages are collected for standard mortgage programs from over 700 companies in 50 states and the District of Columbia.
Change in rate for standard program is current average rate compared to average rate approximately one business day earlier.
www.mortgage101.com /Articles/DailyRateSurvey.asp?p=mtg101   (166 words)

 Interest Rate Options
Interest rate Options are European-style, cash-settled options on the yield of U.S. Treasury securities.
European - Interest rate options may generally be exercised only on the last business day before the expiration date.
The exercise-settlement values of interest rate options (symbols above) are based on the "spot yield" on the last trading day as reported by the Federal Reserve Bank of New York at 2:30 p.m.
www.cboe.com /Products/InterestRateOptionsSpecs.aspx   (829 words)

 Interest Rates
The credit interest will start accruing on the 60th day after June 20, 2005, or August 20, 2005, but the interest rate on the entire $7,000 credit would accrue at the new rate since the second amended return was filed September 1.
The interest begins to accrue 60 days after the date of the payment or the due date of the tax report, whichever is later.
Under the old law, the interest rate was 1 percent over the prime rate published in the Wall Street Journal on the first business day of each calendar year.
www.window.state.tx.us /taxinfo/int_rate.html   (1130 words)

 January 15, 2004 Interest Rate Update
The PBGC has concluded that it is appropriate to use the February rate announced in Notice 2002-26, and future rates determined in the manner described in that notice in setting the required interest rate for purposes of calculating the variable rate premium.
The interest rate that PBGC will charge on employer liability, unpaid contributions, and unpaid premiums, for the calendar quarter beginning January 1, and ending March 31, 2004, is 4%.
The interest rate to be charged by multiemployer pension plans on withdrawal liability payments that are overdue or in default, or that is to be credited by such plans on overpayments of withdrawal liability during the calendar quarter beginning January 1, and ending March 31, 2004, is 4%.
www.pbgc.gov /practitioners/interest-rates/content/Month2004/ir826.html   (478 words)

 Interest Rate Swap
Interest rate swaps often exchange a fixed payment for a floating payment that is linked to an interest rate (most often the LIBOR).
A company will typically use interest rate swaps to limit, or manage, its exposure to fluctuations in interest rates, or to obtain a marginally lower interest rate than it would have been able to get without the swap.
Interest rate swaps are simply the exchange of one set of cash flows (based on interest rate specifications) for another.
www.investopedia.com /terms/i/interestrateswap.asp   (394 words)

 Interest rate formula
Special-issue securities bear a nominal rate of interest determined by a formula in the law.
The formula sets the rate applicable in a given month to the average market yield on marketable interest-bearing securities of the Federal government which are not due or callable until after 4 years from the last business day of the prior month (the day when the rate is determined).
Under the Social Security Act as amended in 1956, an interest rate was related to the average coupon rate on all outstanding marketable obligations of the United States, at the time the rate was determined, that were not due or callable until after 5 years from the date of original issue.
www.ssa.gov /OACT/ProgData/intrateformula.html   (261 words)

 CitiMortgage: Interest Rate   (Site not responding. Last check: 2007-10-22)
If you compare the initial interest rates of a fixed rate mortgage and an adjustable rate mortgage, the adjustable rate will always be lower.
This doesn't mean that an adjustable rate mortgage will always have a lower monthly payment than a fixed rate mortgage (but it could).
With a fixed rate mortgage, the rate stays the same for the life of the loan.
www.citimortgage.com /cm/Main.do?page=interest_rate   (278 words)

The amounts available, the interest rate charged, and the periods for repayment of IMF credits vary with the different policies and facilities best suited to address the types of balance of payments problems facing a given member in need of external financing.
Even though the pressure to increase interest rates was felt virtually across the board, one question remains unanswered: are countries with flexible exchange rates more able to isolate their domestic interest rates from this type of negative international shock?
There are several factors that determine the extent to which domestic and foreign interest rates move together.
www.t21.ca /interest/tp.htm   (2780 words)

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