2 ms·

Need to remember to subtract inflation from any interest rate, though. "Real interest rate" accounting for inflation. Edit: for example this one https://fred.s

• nobodyandproud 3y ago
  Inflation fluctuates constantly. Mortgage rates are fixed for 15-30 years, unless one makes the mistake of getting a variable rate loan.
• putlake 3y ago
  This chart is based on forward inflation expectation, which is probably lower than actual. Ideally I'd like to see this chart until 10 years ago that compares the rate of interest on a US 10Y t-bond when issued with the actual inflation that occurred over the 10 years until it matured.
• judge2020 3y ago
  Main issue with taking inflation into account is that wage inflation doesn't exist, companies aren't giving raises every year to 'match inflation', if they do offer raises it's for retention and/or is performance-based.