Interest Rates Quotes

Today the strategies of many companies in the real estate industry are premised on low interest rates, an assumption that has resulted in the rapid expansion of the real estate securitization business. This trend could be regarded as a risk factor, as it exposes the real estate sector to at least three potential problems: first, interest rate hikes; second, revisions to securitization business accounting standards; and third, overheating in the real estate market. ~ Akira Mori

The Government has to stop borrowing as much money; if we don't, quite frankly New Zealand will be downgraded and interest rates will go up for all New Zealanders. ~ John Key

The industrial real estate market completed one of its strongest demand cycles in history as several factors ignited the fire. For projects coming on line in 2005, record-low interest rates during the design phase 12 to 18 months prior provided additional incentive for development and absorption. ~ Brian Gordon

Greece will not manage to get back on its feet without restructuring its debt. There is no way around it. The country's creditors will have to reduce a portion of its debts by extending maturity dates, lowering interest rates or giving them what's called a 'haircut' in financial jargon. ~ Peer Steinbruck

A strong currency means that American consumers and businesses can buy imported goods and services more cheaply and that inflation and interest rates will be lower, ... It also puts pressure on American industry to increase productivity and competitiveness. These benefits can feed on themselves as foreign capital flows in more readily because of greater confidence in our currency. A weak dollar would have the contrary effects. ~ Robert Rubin

The crisis and recession have led to very low interest rates, it is true, but these events have also destroyed jobs, hamstrung economic growth and led to sharp declines in the values of many homes and businesses. ~ Ben Bernanke

Low interest rates are a big opportunity for investment. But the issue is that this money should go to the real economy, not the financial economy. ~ Carlos Slim

Intrinsic value can be defined simply: It is the discounted value of the cash that can be taken out of a business during its remaining life. The calculation of intrinsic value, though, is not so simple. As our definition suggests, intrinsic value is an estimate rather than a precise figure, and it is additionally an estimate that must be changed if interest rates move or forecasts of future cash flows are revised. ~ Warren Buffett

I mean, I'm a conservative. I believe that, you know, if you borrow too much, you just build up debts for your children to pay off. You put pressure on interest rates. You put at risk your economy. That's the case in Britain. We're not a reserve currency, so we need to get on and deal with this issue. ~ David Cameron

Public opinion always wants easy money, that is, low interest rates. ~ Ludwig Von Mises

Should that worse scenario materialize, then most probably our propensity to increase interest rates will be weaker. ~ Marek Belka

THE PROJECTIONIST
The projectionist can make you believe whatever she believes. If she believes interest rates are going to fall, and you have a short conversation with the Projectionist, you will too. If she believes that, no, in fact, you didn't signal when you turned left, causing the Projectionist to ram her car into the back of yours, so will you.
Her downfall began when she fell in love with the Inverse. She absolutely, 100% fell in love with the Inverse. She projected all this emotion onto him but the Inverse, being the Inverse, simply reflected the opposite of everything she was sending.
Strangely, neither the Inverse nor the Projectionist can let go of the relationship. ~ Andrew Kaufman

Despite Russia's move to raise interest rates this week, the value of the ruble has continued to crash. Russia's economy is so bad, Edward Snowden had to put government secrets on Craigslist. ~ Jimmy Fallon

The older you are when you buy an annuity, the shorter your life expectancy will be - so the greater a monthly paycheck the same sum of money will buy you. When interest rates are higher, the size of the paycheck for the same sum of money will rise also. ~ Jean Chatzky

Most savings rates are based on underlying interest rates. ~ Martin Lewis

We have one of the highest interest rates in the world, and we owe more money per capita than any other country. All we need is a nail hole in the bottom of the boat and we're sunk. ~ Pauline Hanson

A system of capitalism presumes sound money, not fiat money manipulated by a central bank. Capitalism cherishes voluntary contracts and interest rates that are determined by savings, not credit creation by a central bank. ~ Ron Paul

To finance deficits, the government must sell bonds to investors, competing for capital that could otherwise be used to invest in stocks or corporate bonds. Government borrowings raise long-term interest rates, stifling economic growth. ~ Alex Berenson

The fact that global savers accommodate U.S. consumers by keeping U.S. interest rates lower than they otherwise would be and the dollar stronger than it otherwise would be is simply a manifestation of America's comparative advantage at supplying wealth storage facilities. ~ John H. Makin

The time will come, and probably during 2009, that the only way the U.S. will be able to fund its deficits is to create money by printing it. The Treasury will have to sell bonds, and, in the absence of foreign buyers, the Fed will have to print the money to buy them. The consequence will be runaway inflation, increasing interest rates, recession, and inevitable tax increases on all Americans. ~ Doug Casey

With currencies and interest rates far more volatile than the economic activity that they guide, the horizons of investment and commerce had to shrink proportionally with real economic knowledge. ~ George Gilder

After the accession to the euro zone, interest rates declined substantially in Portugal. ~ Anibal Cavaco Silva

Bet on black. Buy low-debt or no-debt companies. When the economy is in trouble, these companies usually have enough cash on hand to stay out of trouble. And they seldom need to borrow when interest rates are high. ~ Nancy Dunnan

The Fed's ability to raise and lower short-term interest rates is its primary control over the economy. ~ Alex Berenson

If you are prepared for some risk, junk bonds pay about 5%, but they tend to get whacked when interest rates rise. Same with lower-yielding but higher-quality corporate bonds. ~ Kenneth Fisher

So the stock market could have a negative wealth effect and weigh on capital spending, but a sharp decline in long-term interest rates would be an important counterweight. ~ Joseph Barbera

The Federal Reserve has the capacity to operate in domestic money markets to maintain interest rates at a level consistent with our economic goals ~ Ben Bernanke

Stronger regulation and supervision aimed at problems with underwriting practices and lenders' risk management would have been a more effective and surgical approach to constraining the housing bubble than a general increase in interest rates. ~ Ben Bernanke

The Obama administration deserves credit for quickly ending the housing free fall. In particular, Obama empowered the Federal Housing Administration to ensure that households could find mortgages at low interest rates even during the worst phase of the financial panic. ~ Mark Zandi

At the end of the day, it's not a normal condition to have interest rates at zero. ~ Lloyd Blankfein

We ride too high on deceptive notions of power and security and control and then when it all comes crashing down on us the low is made deeper by the high. By its precipitousness, but also by the humiliation you feel for having failed to see the plummet coming. . . . Lulled by years of relative peace and prosperity we settle into micromanaging our lives with our fancy technologies and custom interest rates and eleven different kinds of milk, and this leads to a certain inwardness, an unchecked narrowing of perspective, the vague expectation that even if we don't earn them and nurture them the truly essential amenities will endure forever as they are. We trust that someone else is looking after the civil liberties shop, so we don't have to. Our military might is unmatched and in any case the madness is at least an ocean away. And then all of a sudden we look up from ordering paper towels online to find ourselves delivered right into the madness. And we wonder: How did this happen? What was I doing when this was in the works? Is it too late to think about it now? . . . ~ Lisa Halliday

In Germany, college tuition is free. In America, college tuition is increasingly unaffordable. In a highly competitive global economy, which country do you think will have the best educated work force and a competitive advantage? We must make tuition free in public colleges and universities and substantially reduce interest rates on student loans. ~ Bernie Sanders

Cruelty links all three primitives [pleasure, pain, and desire]: Spinoza defines it as the desire to inflict pain on someone we love or pity. Financial speaking, cruelty is analogous to a convertible bond whose debt and equity depend on three economic underliers: the stock price, the level of interest rates, and the credit worthiness of the company's debt. ~ Emanuel Derman

One component of the leading economic indicators is the yield curve. Bond investors keep a close eye on this, as it illustrates the spread or difference between long-term interest rates and short-term ones. ~ Kenneth Fisher

. . . the farmer is the man
The Farmer is the man

Lives on credit till the fall
With the interest rates so high
It's a wonder he don't die
And the mortgage man's the one
that gets it all.

The farmer is the man
The farmer is the man
Lives on credit till the fall
And his pants are wearing thin
His condition it's a sin
He's forgot that he's the man
that feeds them all. ~ Howard Zinn

Many banks do not advertise they are portfolio lenders and many people working at the bank may not even know what a portfolio lender is. If you are calling up a bank and they say they aren't a portfolio lender, don't give up! Ask to talk to a loan officer and ask specific questions about what type of investor programs they offer. Here are some good questions to ask; Do you loan to investors who already have four mortgages? Do you sell your loans or keep them in-house? Do you allow investors with four or more mortgages to do cash out refinance? What terms and loan programs do you offer investors? ARM, 15, 30 year fixed, balloon? What interest rates are you charging and what are the initial costs for your loans? What ~ Mark Ferguson

The Fed should make a clear commitment to stable money to reduce the swings in interest rates and inflation. Instead, it champions and flaunts unstable money. This encourages momentum trading and the growth of derivatives. Meanwhile, layers of financial regulation make Washington bigger and more powerful but don't fix the underlying problems. ~ David Malpass

Typically, interest rates are higher the longer the time you are prepared to deposit your funds. ~ John Toppin

Central banks have gotten out of the central banking business and into the central planning business, meaning that they are devoted to raising up-if they can-economic growth and employment through the dubious means of suppressing interest rates and printing money. The nice thing about gold is that you can't print it. ~ James Grant

Money? It's the oh-so-simple miracle that allows you to take home veal in your shopping bag…', the Trader-Knights repeat, forgetting that behind the head of veal or the pork cutlet there is a futures market in livestock and pork bellies, and that behind that market looms the futures market of exchange rates, interest rates and so many other levels all the way down to absolute volatility, all utterly inaccessible to those bit-part players in the great comedy of trading, the small individual shareholders. ~ Gilles Châtelet

Sharecropping is the dirty little secret at the root of America's wealth - along with slavery itself. The immense profits generated by the industrious yet impoverished Black "sharecroppers" and "tenant farmers" financed Europe's and America's Industrial Revolution, including the building of their railroads, factories, mills, and their entire infrastructure. It is truthfully asserted that the major cities of America and the Western world were "built with bricks of cotton." Today the debt traps designed to ensnare the working poor and middle class in a lifelong cycle of debt - the high-cost installment loans that charge usurious interest rates of 100% or more, the "payday" loans that charge 400% interest, the extortionate credit card multi-charges, the subprime mortgages with ballooning interest rates, and the home equity loan swindles - are the bastard children of the sharecropping American South. It ~ Reclamation Project

Currency peg can mean higher volatility in short-term interest rates, as the central bank seeks to keep the price of its money steady in terms of the peg. It can mean deflation, if the supply of the peg is constrained (as the supply of gold was relative to the demand for it in the 1870s and 1880s). ~ Niall Ferguson

To pump up consumer or government demand would force interest rates up and asset prices down, possibly by enough to destroy more jobs than are created. ~ Edmund Phelps

If you're making all your money simply betting on interest rates, that's not a business. Flow is a business. On the outside, they look the same for a while. But when you dig into them, no, they weren't exactly the same. ~ Jamie Dimon

Our Government is committed to pursuing policies and programs which facilitate a further lowering of the interest rates in order to fuel investment and growth. We call on the commercial banks to partner with us in this effort. ~ Said Musa

I don't think it's possible for the Fed to end its easy-money policies in a trouble-free manner. Recent episodes in which Fed officials hinted at a shift toward higher interest rates have unleashed significant volatility in markets, so there is no reason to suspect that the actual process of boosting rates would be any different. I think that real pressure is going to occur not by the initiation by the Federal Reserve, but by the markets themselves. ~ Alan Greenspan

We see money accumulating at the
centers, with difficulty of finding safe
investment for it; interest rates dropping
down lower than ever before;
money available in great plenty for
things that are obviously safe, but not
available at all for things that are in
fact safe, and which under normal conditions
would be entirely safe (and there
are a great many such), but which are
now viewed with suspicion by lenders. ~ D.M. Frederikson

Think today's interest rates are high? The Pilgrims borrowed $7000 from a London company of 70 investors in 1620, and devoted the next 23 years to repaying it at 43 percent. ~ L. M. Boyd

Homeowners refinance their loans when interest rates go down. Businesses refinance their loans. ~ Elizabeth Warren

At a time of recession, when there is a mounting glut of labour and uninvested savings, a reduction in wages and interest rates does not help. In fact, it deepens the recession. ~ Yanis Varoufakis

Of the 53 central banks tracked by Bloomberg, 19 have dropped their benchmark interest rates in the past three months. Low rates encourage consumers to borrow and spend, increasing domestic consumption. They also devalue currencies, making exports cheaper. That's good for the countries selling but hard on countries flooded with cheap products. ~ Anonymous

It has been said that the Fed's job is to take the punch bowl away just as the party gets going, raising interest rates when the economy is growing too fast and inflation threatens. ~ Alex Berenson

Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. ~ Suze Orman

In the case of the Irish banks, the private bonds that they had purchased were uninsured. In the case of Greek state bonds, their buyers also knew that these were Greek law contracts, meaning that they could be given a haircut (written down) by a future stressed Greek government. This is precisely why the interest rates were higher than in Germany. Higher risk, higher rewards. As long as the gamble was paying off, the German bankers reaped benefits that they shared with no one. But when the gambles turned bad, as Irish banks and the Greek state failed, they demanded that the taxpayers of Greece and Ireland pay up, as if they had bought insurance from them. ~ Yanis Varoufakis

High interest rates focus on the revenue of a parasitic class. ~ Linda McQuaig

The insurance companies do not refer to the key policy rate when they send their statements. We can only control that rate. Long-term interest rates are determined largely by global financial markets. ~ Mario Draghi

John Howard, willing to apologise to home owners for rising interest rates, would not say sorry to Aborigines. He refused to condone what he referred to as 'a black armband version' of history, preferring a jingoistic nationalism. ~ Richard Flanagan

At some point the Japanese, Chinese and Saudi buyers of US and European Government bonds will see just what miserable value they offer. Then governments may have to stop all the runaway spending and bailouts and even put up interest rates. ~ Luke Johnson

Bank One has got one of the best credit card divisions, ... The perception of investors is that financial services stocks are affected by interest rates and they're not. ~ David Dreman

Eurobonds are absolutely wrong. In order to bring about common interest rates, you need similar competitiveness levels, similar budget situations. You don't get them by collectivizing debts. ~ Angela Merkel

Student debt is crushing the lives of millions of Americans. How does it happen that we can get a home mortgage or purchase a car with interest rates half of that being paid for student loans? We must make higher education affordable for all. We must substantially lower interest rates on student loans. This must be a national priority. ~ Bernie Sanders

Near the top of the market, investors are extraordinarily optimistic because they've seen mostly higher prices for a year or two. The sell-offs witnessed during that span were usually brief. Even when they were severe, the market bounced back quickly and always rose to loftier levels. At the top, optimism is king, speculation is running wild, stocks carry high price/earnings ratios, and liquidity has evaporated. A small rise in interest rates can easily be the catalyst for triggering a bear market at that point. ~ Martin Zweig

The underlying strategy of the Fed is to tell people, "Do you want your money to lose value in the bank, or do you want to put it in the stock market?" They're trying to push money into the stock market, into hedge funds, to temporarily bid up prices. Then, all of a sudden, the Fed can raise interest rates, let the stock market prices collapse and the people will lose even more in the stock market than they would have by the negative interest rates in the bank. So it's a pro-Wall Street financial engineering gimmick. ~ Michael Hudson

What we have to be careful is that if we drop interest rates where the rate of interest is lower than inflation, then savers will not put money in financial savings and move it to gold and real estate, which is bad for India. ~ Uday Kotak

The bankers might not have said it in so many words, but gradually their strategy emerged: Target families who were already in a little trouble, lend them more money, get them entangled in high fees and astronomical interest rates, and then block the doors to the bankruptcy exit if they really got in over their heads. ~ Elizabeth Warren

Words are plastic these days. Small loans made to desperate people at exorbitant interest rates are called payday advances. A cheesy hotel paired with a seedy casino is called a resort. Any assemblage of frenetic images, bad music, and incoherent plot is called a major motion picture. ~ Dean Koontz

Had Volcker never pushed through his radical change in policy, the world would be many bond traders and one memoir the poorer. ~ Michael Lewis

I would also certainly continue to keep loan repayment interest rates as low as possible. And I would spread the financial aid a little less thinly across all income brackets. ~ Charles Vest

During the Asian financial crisis the United States and other Western countries demanded that the Asians take three steps
let bad banks fail, keep spending under control, and keep interest rates high. In it own crisis, the West did exactly the opposite on all three fronts. ~ Fareed Zakaria

Former Senator Al D'Amato in 1991 offered an amendment to cap credit card interest rates at 14 percent. ~ Bernie Sanders

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score. ~ Suze Orman

Mortgage securities. Pooled together from thousands of mortgages around the United States, these bonds are issued by agencies like the Federal National Mortgage Association ("Fannie Mae") or the Government National Mortgage Association ("Ginnie Mae"). However, they are not backed by the U.S. Treasury, so they sell at higher yields to reflect their greater risk. Mortgage bonds generally underperform when interest rates fall and bomb when rates rise. (Over the long run, those swings tend to even out and the higher average yields pay off.) Good mortgage-bond funds are available from Vanguard, Fidelity, and Pimco. But if a broker ever tries to sell you an individual mortgage bond or "CMO," tell him you are late for an appointment with your proctologist. ~ Benjamin Graham

It's sort of like a teeter-totter; when interest rates go down, prices go up. ~ Bill Gross

The key is if the economic data stays soft, maybe we don't have to worry much about interest rates anymore. Then we need to worry about earnings. What gave us a really strong move in stock prices from late May until about two weeks ago was this heightened optimism that maybe interest rates are at that high. That gave you a relief rally. Now reality is setting in - if we've seen the worst on interest rates then we've seen the best on earnings. ~ Douglas Cliggott

We don't know what our health care costs are going to be. We don't know what our tax rates are going to be. We don't know what our interest rates are going to be. We don't know what our energy costs are going to be. All these uncertainties are being driven by the Government's agenda. What we really need to do is get Government to step back. ~ Jim Renacci

[Australian Reserve Bank] Governor MacFarlane said recently when Paul Volcker broke the back of American inflation it's regarded as the policy triumph of the Western world. When I broke the back of Australian inflation they say, "Oh, you're the fellow that put the interest rates up." Am I not the same fellow that gave them the 15 years of good growth and high wealth that came from it? ~ Paul Keating

If the U.S. Government was a company, the deficit would be $5 trillion because they would have to account by general accepted accounting principles. But actually they encourage government spending, reckless government spending, because the government can issue Treasury bills at extremely low interest rates. ~ Marc Faber

Austerity, especially when it cannot be offset by a significant lowering of interest rates, brings with it increases in unemployment
particularly enduring unemployment
suppression of wages for the majority, and deepening income inequality. ~ Alex Himelfarb

We do not have, nor have had, and never will have an opinion about where the stock market, interest rates, or business activity will be a year from now. ~ Warren Buffett

Well, you know, we've got a lot of stimulus in the economy already from the tax cut, from the lowered interest rates, and also from the refinancing of mortgages. ~ Franklin Raines

Interest rates are going to go up because employment is going to go up. If employment goes up, then our apartments get filled. And if employment goes up, our office buildings get filled. The reality is that increased economic activity combined with increased interest rates is basically bullish for real estate. ~ Sam Zell

And that's the one thing that people do not understand is that we have very low interest rates and if those go back to historical levels or even go back to scary thoughts that they're back in the late '70s, early '80s, then that's going to really be hard to actually pay off those debts. It's going to be a - it's going to be a very big problem. ~ Ben Quayle

The big question is: When will the term structure of interest rates change? That's the question to be worried about. ~ Ray Dalio

If we did go into a recession, something that's always possible for the U.S. or Europe, we could lower interest rates and expand the money supply without worrying about the price of gold. ~ Jeffrey Sachs

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt. ~ Suze Orman

If it were possible to take interest rates into negative territory I would be voting for that. ~ Janet Yellen

Throwing Ronald Reagan out of office at the height of his popularity, with inflation and interest rates down, the economy moving and the country at peace, would have required God on the ticket and She was not available! ~ Geraldine Ferraro

For equity markets, the combination of low interest rates, strong economic growth and low inflation has proved very beneficial, with global share markets rising solidly in each of the past three years. This has been underpinned by strong growth in profits so that, notwithstanding the rise in share prices, P/E ratios have been declining on average. ~ Ian Macfarlane

The government must do all it can to help reduce interest rates for business. ~ Pauline Hanson

It all comes down to interest rates. As an investor, all you're doing is putting up a lump-sump payment for a future cash flow. ~ Ray Dalio

If the government controls, guarantees, channels, or directs investment, it is not capitalism. Pivotal to the investment process is interest rates. For entrepreneurs to control capital, interest rates must reflect its real cost rather than merely the cost of printing money. Otherwise the money printers will dominate investment. ~ George Gilder

The reality is that business and investment spending are the true leading indicators of the economy and the stock market. If you want to know where the stock market is headed, forget about consumer spending and retail sales figures. Look to business spending, price inflation, interest rates, and productivity gains. ~ Mark Skousen

There have been times when the Federal Reserve has restricted the money supply and raised interest rates to gain an end, which had much better been left to another Government agency or the Congress to attain. The country could have had lower interest rates without sacrificing anything else. ~ Wright Patman

I think the millions of people who had been able to renegotiate their mortgages so they are paying lower interest rates are better off. ~ David Axelrod

The investor should be aware that even though safety of its principal and interest may be unquestioned, a long term bond could vary widely in market price in response to changes in interest rates. ~ Benjamin Graham

The central banks cannot control interest rates. That's a mistake. They can control a particular rate, such as the Federal Funds rate, if they want to, but they can't control interest rates. ~ Milton Friedman

Public borrowing is costly these days, true, but interest rates on municipal bonds are still considerably lower than those borne by corporate debt. ~ Thomas Frank

Of course we will continue to work for cheaper electricity in the homes and on the farms of America; for better and cheaper transportation; for low interest rates; for sounder home financing; for better banking; for the regulation of security issues; for reciprocal trade among nations and for the wiping out of slums. And my friends, for all of these we have only begun to fight. ~ Franklin D. Roosevelt

Maybe it was true, and being a girl could be about interest rates and skinny jeans, riding bikes and wearing pink. Not about any one thing, but everything. ~ Sarah Dessen

Families rely on financial services more than ever, but those who need them most - who struggle to make ends meet - too often must contend with sky-high interest rates and tricks and traps buried in the fine print of their loan products. ~ Elizabeth Warren