Biggest assymetry I noticed yet is that mortgage rates are often fixed no matter what happens to current money lending rate. I am no financial expert, but I th

Biggest assymetry I noticed yet is that mortgage rates are often fixed no matter what happens to current money lending rate. I am no financial expert, but I think unpredictable rates hugely favor consumer. When rates are high and money is in high supply, inflation reduces the actual principal, as nominal amount Stas the same. When rates are low, you can refinance mortgage at current, low rates and reduce interest part of your mortgage.