 Close Accounts? |
Hi, I have the following accounts:
Mastercard- $0 balance/ limit $700 opened 8/1/05
Cap 1 Visa- $0 balance/ $500 Limit opened 11/1/06
Dell Acct- $0 balance/ $2000 Limit opened 10/1/06<... |
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HAPPY CHANUKAH!
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alpine lifestyle | Why are the long term interest rates lower than the short term interest rates? |
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sachin
|
the investor looks for a long term stable income for his investment thus long term rates are always lower |
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dycks
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Because investors are going it for the long term , and not confident of the short term at the moment.
Actually, this could be a long drawn-out answer, when discussing loans, returns on investment, types of loans, and such.
Also, you never said if you were talking about loans, annuities, or personal investment.
If loans...
it depends on whether you are discussing home loans, personal loans, auto, and/or credit card type loans.
Typically the longer the term when borrowing, the the higher the rate and risk as well.
The investor pool determines the rate they will accept as a return on their money.
Credit Unions are usually a good place to look to getting a loan due to their "non profit" status, as a bank, thus they can offer slightly lower rates in some cases. But they usually require excellent credit. |
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merrigandesign
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IT all boils down to the money. A short term loan has a higher interest rate (IR) than a long term so the lender can make there money on the IR.
A long term looks beter in the short run because you get a lower IR but in the long run the Short term is less IR because you pay it off faster. |
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Chat
 |
A basic investment rule is the higher the risk you take in investment, the higher your returns are.
Generally, longer-term investments are viewed as more risky since you'll never know what would happen in the future. There is more certainty and less risk in investments that mature in a month or in a year, because you can pretty much approximate better the events relevant to your investment (economic growth rates, industry trends, etc.) because it is nearer to the present. Thus, longer-term investments are more risky and deserve higher returns and higher interest rates. |
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kunjaldp
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I think you go it wrong. Its the otherway. Long term interest rates are more then short term. |
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Arbitrage
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Usually long-term rates are higher than short-term rates because of the extra risk.
When this isn't the case and we have an inverted yield curve, it's a sign of economic recession because investors are so negative about the future of long-term rates. The other reason is that sometimes foreigners want to invest in "safe" instruments and so many people move into a certain type of security that its price changes relatively to the other types. |
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gdepaula
 |
I think you have it reversed. The longer the term, the higher the interest. The reason is because the lenders cannot predict how the economy will be in 20 or 30 years, there fore to decrease the risk they lend for a higher rate.
They can usually tell how the economy will be in 5 to 10 years so they're willing to take the risk and lend at a lower rate. |
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backers23
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The fed funds rate is what is used in determining borrowing rates for lenders. It takes time for long term rates to be affected by rate changes by the fed. When the fed started raising rates the 30 year mortgage still fell. But short term borrowing rates have soared especially credit cards and h.e.l.o.c's. Short term rates are more sensitive to the feds fight against inflation. |
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head2fla
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if you look at the total interest over the length of time you will find you pay more in the end on the lower rate since you pay on it longer |
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