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	Mortgage Interest Rate Report and Predictions (Site not responding. Last check: 2007-10-19)
		After a jump of almost half a percent in early June, for the last month and a half interest rates on fixed rate mortgages have remained fairly steady.
		Interest rates on some of the more riskier investments may cost more nowadays -- and that could slow economic growth.
		Interest rates for the 80% of homeowners and buyers that qualify for A-paper mortgages will probably remain stable or slightly increase in the near future.
	www.realestateabc.com /rates2.htm (393 words)

	Interest rate - Wikipedia, the free encyclopedia
		Interest rates are normally expressed as a percentage over the period of one year.
		Interest rates are also a vital tool of monetary policy and are used to control variables like investment, inflation, and unemployment.
		Interest rates are the main determinant of investment on a macroeconomic scale.
	en.wikipedia.org /wiki/Interest_rate (1209 words)

	Interest rate article - Interest rate yield bond nominal interest rate real vs. nominal economics - What-Means.com (Site not responding. Last check: 2007-10-19)
		One type of interest rate is the yield on a bond.
		Note that the real interest rate is calculated by adjusting the actual rate charged (known as the money or nominal interest rate) to take inflation into account.
		Irving Fisher proposed a better approximation of the relationship between nominal interest rate, inflation and real interest rate.
	www.what-means.com /encyclopedia/Interest_rate (471 words)

	Interest - Encyclopedia.WorldSearch (Site not responding. Last check: 2007-10-19)
		Interest rates are very closely watched market indicators, and have a dramatic effect on finance and economics.
		When interest is not collected as it is accrued (as with a certificate of deposit, where the payment is in a lump sum), the interest increases the amount of money subject to interest.
		The formula used to calculate the balance B for continuously compounded interest, is the beginning balance P times the aforementioned e raised to the power of the product of the annual interest rate r, and the number of years of the loan t.
	encyclopedia.worldsearch.com /interest.htm (1498 words)

	Nominal interest rate: Just the facts... (Site not responding. Last check: 2007-10-19)
		Nominal interest rate is not an interest rate at all, but the sum of two different concepts in economics.
		When comparing interest rates (The percentage of a sum of money charged for its use), nominal interest rates and effective interest rates (additional info and facts about effective interest rates) have to be distinguished.
		As a result, this nominal interest rate is equivalent to an effective interest rate (additional info and facts about effective interest rate) of 6.16%.
	www.absoluteastronomy.com /encyclopedia/n/no/nominal_interest_rate.htm (376 words)

	FRB Speech: Ferguson--Equilibrium Real Interest Rate: Theory and Application--October 29, 2004
		The average interest rate that seems to have brought aggregate demand and aggregate supply into rough balance in the past may not be the same rate required in every conjunctural setting.
		Using the MPS model, the predecessor to the Board staff's current model, Bomfim found that the equilibrium nominal funds rate varied in a range from 2 percent to 14 percent over the period from 1965 to 1994, implying that his estimate of the equilibrium real rate turned negative at times.
		Laubach and Williams opted for the single-equation approach and estimated that the equilibrium real funds rate was around 3 percent in mid-2002 but that it varied from as low as 1 percent in the early 1990s to as high as 5 percent in the late 1960s.
	www.federalreserve.gov /boarddocs/speeches/2004/20041029 (2959 words)

	Real Interest Rate (Site not responding. Last check: 2007-10-19)
		The real interest rate is the difference between the nominal interest rate and expected inflation, p*.
		If you remember the equation for profitability of investment--profitability equals rental rate plus appreciation minus interest cost, you can see that if a capital good is appreciating at the rate of expected inflation, then higher expected inflation reduces the cost of capital (holding the nominal interest rate constant).
		The difference between long-term and short-term rates is called the "yield curve." When bond market investors have a different view of the economy from that of the monetary authority (which in the United States is the Federal Reserve), the yield curve may change in ways that offset changes in short-term interest rates.
	arnoldkling.com /econ/macro/interest.html (556 words)

	Interest rate - T2W Traderpedia
		One type of interest rate is the yield on a bond, another is the amount (expressed as a percentage of the total sum lent) that a bank would pay someone who deposits money with them.
		The expected increase in interest payments (relative to the amount loaned) is the nominal interest rate, and can be defined as the face value of money received by the lender, or paid by the borrower.
		The real interest rate, which measures the purchasing power of interest receipts, is calculated by adjusting the actual rate received (the nominal interest rate) to take inflation into account.
	www.trade2win.com /traderpedia/Interest_rate (369 words)

	Real interest rate may be revised upwards (Site not responding. Last check: 2007-10-19)
		According to sources, there is a thinking in the government that during the period of low inflation in the past few years, the nominal interest rate has overreacted in its efforts to adjust to the inflation.
		During the period between 1994-95 and 2003-04, the annual average rate of inflation has gone down by 625 basis points (one basis point is one hundredth of a percentage point) from a high of 10.85 per cent to 4.6 per cent.
		Economists favouring a restructuring of the real interest rate are of the view that proper adjustment of monetary interest rate with respect to inflation potential has other virtues as well.
	us.rediff.com /money/2005/jan/24rate.htm (414 words)

	Lecture 10 Notes
		The interest rate is the fee for using money, expressed in annual percentage terms.
		A nominal interest rate can be divided into two components: the increase in purchasing power the lenders demands for the use of her money (the real interest rate) and the expected rate of inflation.
		The higher the interest rate, the lower the present value of money to be received in the future.
	www.yk.psu.edu /~dxl31/econ14/lecture10.html (586 words)

	Untitled
		The nominal interest rate is determined by the number of dollars the borrower is obligated to pay in interest payments and is the interest rate non-economists usually are discussing when they talk about interest rates.
		The real interest rate is equal to the nominal interest rate minus the rate of inflation.
		A real interest rate of 10% per year means that if you borrow the dollar equivalent of X units of goods today, you must give up the dollar equivalent of 1.1xX units of good one year from now.
	www.econ.iastate.edu /classes/econ102/falk/LE82001.htm (1215 words)

	Morgan Stanley (Site not responding. Last check: 2007-10-19)
		In response, real interest rates have tumbled from the short to the long end of the maturity spectrum.
		The world’s real interest rate cycle is, indeed, in rarefied territory.
		Consequently, the role of subnormal real interests cannot be minimized as a driving force behind today’s US-centric global growth dynamic.
	www.morganstanley.com /GEFdata/digests/20050118-tue.html (5202 words)

	Real Estate - Interest Rates - Homes - Real Estate Loans
		Your real estate loan is affected by mortgage interest rates.
		If you apply for a home loan with a FICO score of 620 or higher, you will most likely be approved for the current lowest interest rate, that is, if you are submitting full documentation (proof of employment, assets, etc.).
		FICO scores affect more than just getting approved for a loan or not and how high or low your interest rate will be.
	www.1st-nationwide-mortgage-loans.com /fico.html (384 words)

	Interest Rate Cap
		An interest rate cap provides the customer with a maximum cost of funds The interest rate cap and the underlying loan are two separate transactions.
		An interest rate cap places a ceiling (cap strike) on a floating rate of interest on Credit exposure in an interest rate cap transaction is one-way.
		Interest Rate Cap A provision of an ARM limiting how much interest rates may increase per adjustment period.
	www.indexpark.com /interest/interest-rate-cap (333 words)

	Calculating a Real Interest Rate
		Suppose the nominal rate of interest is I and the expected rate of inflation is P
		Quarterly data for Canada on the banks' prime lending rate and the personal expenditure deflator were collected from the CANSIM Statistics Canada data base for the period 1961Q1 to 1996Q3.
		A comparison of the nominal and real interest rates for Canada is shown in the figure below.
	shazam.econ.ubc.ca /intro/rrate.htm (473 words)

	What is the difference between the real interest rate and the nominalinterest rate? (08/2003)
		The real interest rate measures the percentage increase in purchasing power the lender receives when the borrower repays the loan with interest..
		Advertised interest rates that you may see at banks or other financial service providers are typically nominal interest rates.
		This means its up to you to estimate how much of the interest rate a bank may pay you on a savings deposit is really an increase in your purchasing power and how much is simply making up for yearly inflation.
	www.frbsf.org /education/activities/drecon/2003/0308.html (683 words)

	Interest rate - US Treasury - Office of Domestic Finance (Site not responding. Last check: 2007-10-19)
		Typically, for every forecast of increasing interest rates there is a forecast of Economists use a variety of techniques to forecast interest rates.
		The interest rate is fixed for the life of the loan, giving you the ability to Interest rate is applied to the entire balance and is subject to change
		Interest rates interpolated from data on certain commercial paper trades settled Contract interest rates on commitments for fixed-rate first mortgages.
	foreclosure.allinfosites.com /q/foreclosure-interest-rate.htm (701 words)

	The Real Interest Rate–No Longer A Mystery (Site not responding. Last check: 2007-10-19)
		Since the issue was greatly oversubscribed (demand was five times supply), the rate of interest in the future will likely be somewhat higher.
		Also, the real rate reflected in this issue is based more on the way the CPI will be measured in the future than it is today (remember that securities pricing is forward looking).
		The bottom line of all of this is that the real rate of interest is probably about 4% and the real rate of wage growth about 1%, when inflation is measured by the "new" methods that will be announced sometime this year.
	www.spectrumeconomics.com /realinterest.html (225 words)

	Real interest rate turns negative for all gilts
		With the rate of inflation breaching 6 per cent, real interest rates on gilts of all maturities are negative.
		In the United States, the yield on the 10-year gilt is around 4 per cent against an inflation rate of 1.9 per cent, a real interest rate of around 2 per cent.
		Reserve Bank of India Governor Y V Reddy on Friday said though inflation was currently "ruling high", it should start falling and was expected to be in the 4.0-4.5 per cent range by end-March.
	www.rediff.com /money/2004/jan/17gilts.htm (458 words)

	EconLog, What's the Real Interest Rate?, Arnold Kling: Library of Economics and Liberty
		The examination of historical experience back through 1870 implies that the long-term real interest rate is near 3 percent.
		As long as government operates under the assumption that the real interest rate on Social Security is higher than the rate on TIPS, the math on privatization is going to look bad.
		Yields may be lower than the real rate as part of TIPS pricing may be inflation insurance, but that insurance component, if it exists, is likely very small.
	econlog.econlib.org /archives/2005/05/whats_the_real.html (369 words)

	Real Estate Library Real Times Interest Rate Headlines (Site not responding. Last check: 2007-10-19)
		Rates were steady during the past week -- but reports suggest that with a strong final month 2001 may wind up as the biggest year on record for home sales.
		Rates generally rose during the week, and the result is that interest levels are now within striking distance of the rates seen a year ago, still lower but not as low as seen during the summer and early Fall.
		Interest rates rose a touch during the week -- not a lot considering Friday was strong on Wall Street and that during the week the Federal Reserve lowered short-term rates for the seventh time this year.
	realtytimes.com /headlines/relibrary_interestrate.htm (12807 words)

	Gold and the Real Interest Rate
		As inflation fears build, partly as a result of excessively low short-term interest rates, the gold price, commodity prices and long-term interest rates all move higher (the most important determinant of long-term interest rates is the expected future inflation rate).
		During much of this period the US economy was weak and the unemployment rate was increasing, but the Fed was forced to move short-term interest rates sharply higher by a rampaging gold price and rising long-term interest rates.
		If inflation fears build to the point where long-term interest rates march beyond 6% and appear to be well on their way to 7% or higher, the Fed will start raising short-term rates with some urgency regardless of how weak the economy happens to be.
	www.gold-eagle.com /editorials_03/milhouse102503.html (1080 words)

	On the World Real Interest Rate
		This paper characterises the world real interest rate as a common trend in real interest rates in Germany, Japan, and the United States from 1964Q1 to 1996Q2.
		This single common trend has desirable properties as the world real interest rate and has been moving together with the world real return on the stock market, and the world real fiscal policy variable, suggesting financial integration and empirical support for the effects of fiscal policy.
		Paradoxically, non-uniqueness of a single common trend, that is, its limitation as the world real interest rate, reveals the current state of international economic integration.
	ideas.repec.org /p/snu/ioerwp/no11.html (236 words)

	EconLog, The Budget Debate, VI, Arnold Kling: Library of Economics and Liberty
		Moreover, since the US treasury is assumed to have virtually zero default risk and thus borrows at the risk-free rate, the nominal rate should be the time value of the money (the real rate) plus the nominal inflation rate, which pegs the inflation expectation the CBPP is using at near 5%.
		To the extent that discounting is appropriate, it is appropriate to discount at the real rate, both for the reasons Arnold states, and because the only opportunity cost of the money is prepaying debt; none of the other government expenditures contemplated are going to increase national income the way private investments do.
		The interest rate and inflation assumptions are not the scam as much (as Jim Glass has pointed out in another forum) as the "75 year cut off".
	econlog.econlib.org /archives/2003/03/the_budget_deba_1.html (4464 words)

	EconPapers: The Inflation Premium implicit in the US Real and Nominal
		The difference between the nominal and real forward interest rate curves is an implicit marginal inflation premium.
		Nominal interest rate volatility is 2-2.5 times greater (in terms of standard deviation) than real interest rate volatility, nominal rate shocks are highly correlated with shocks to the inflation premium, and real interest rate shocks are nearly orthogonal to inflation premium shocks.
		No evidence is found that the estimated forward rate beyond 30 years is nondecreasing over time, or even has lessened variance, despite the argument of Dybvig, Ingersoll and Ross (1996) that the asymptotic long-term forward rate and zero-coupon rate cannot fall without generating arbitrage opportunities.
	econpapers.repec.org /paper/scescecf1/210.htm (400 words)

	Interest rate - Wikipedia, the free encyclopedia
		Wikimedia needs your help in its current fund drive.
		Through Okun's Law changes in output affect unemployment.
		Grant's Online - Home Page - Grant's Interest Rate Observer
	en.wikipedia.org /wiki/Interest_rates (1209 words)

	EconPapers: The Real Interest Rate Gap as an Inflation Indicator
		The Real Interest Rate Gap as an Inflation Indicator
		We examine the properties of the natural real interest rate and real interest rate gap using a dynamic stochastic general equilibrium model.
		Issues we investigate include: (1) the response of the gap and its components to fundamental economic shocks; and (2) the indicator and forecasting properties of the real interest rate gap for inflation, both in the model and in the data.
	econpapers.repec.org /paper/scescecf1/145.htm (325 words)

	Exchange rate, exchange rate euro, real exchange rate (Site not responding. Last check: 2007-10-19)
		These rates apply to foreign exchange transactions with the exception of the purchase and sale of currency notes.
		The rates used in any transaction at BII are the ones recorded on our core banking system upon...
		Danmarks Nationalbank's exchange rates are usually fixed at 2.15 pm on the basis of...
	www.thekeyringer.com /exchange-rate.html (784 words)

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