In Europe and we took out a mortgage last year. The rate at which the bank gets money from the central bank is negative, and your local bank adds on 1.5 to tha

In Europe and we took out a mortgage last year. The rate at which the bank gets money from the central bank is negative, and your local bank adds on 1.5 to that (for a variable) rate from what i remember, so overall the rate was 0.8% I think. So you don't get paid, but you do get subsidized.