What exactly is the National Interest Rate (the Federal Lending Rate)?
554308
I don't think there is one, unless you mean as a National average. The Prime rate is what you may mean. That is the prime lending rate that banks charge their prime customers to do business and then that sets all the other rates that lenders charge. The Prime now I think is 5.25 so that would raise a typical home loan to about 6.75 and autos to around 13.6 or so.
1119038
This is true.  July 1st of every year the variable interest rate of federal stafford loans (subsidized and unsubsidized) are adjusted based on how our economy is doing.  The formula used is an adjustment to the 91-day treasury bill auction results from the last week of May each year.  This formula is adjust periodically which is why students who borrowed loans prior to the fall of 1996 have slightly higher rates on those loans.\n\nTreasury bill rates have increased significantly in the last year student loans will also increase.\n\nCurrently if you have a Stafford loan and are in-school or in your grace period the interest rate is 4.7%.  If you are in repayment then your rate is 5.3%.  As of July 1, tomorrow, rates will increase to 6.54% for in-school or grace periods and 7.14% for repayment loans.  This is for loans you already have out in your name.  \n\nAlso because of legistlative changes all new loans borrowed after July 1, 2006 will have a fixed interest rate of 6.8%.  (This change was made several years ago.)\n\nIf you currently have loans you can opt to consolidate them by midnight tonight which allows you to lock into your current interest rate, rounded to the nearest 1/8%.  There are several consolidation questions which I have responded to that tell you how to go about that or you can contact me.
269948
The Federal Reserve Interest Rate is a short term overnight rate which the FED bank charge other bank to borrow funds at.  Sometime you can get rate better than the FED rate if you borrow from a Credit Union or go some long term private channel.  However since the FED rate is the cost of money for the banks in the short term, the bank usually tack on an additional surcharge to make a profit in making you a loan.  So in a sense the FED rate is a measuring stick by which banks use to give you a loan.  Ultimately the FED government set the amount of money in circulation so Uncle Sam decides our interest payment.
19117
Try this one\nhttp://www.hfamerica.com/?ovchn=GGL&ovcpn=11.26&ovcrn=mortgage+rate&ovtac=PPC
621301
Don’t sue me if I’m a little off but here what I believe.\n\nReal interest rates don’t effect borrowers and lenders they are created by them. Good old supply and demand  for capital.  \n\nSo when the Fed raises or lowers interest rates what are they actually doing is changing the supply of money by changing the discount rate.\n\nThe discount rate is basically the amount of money banks are allowed to loan out relative to real assets or something like that.    \n\nThey certainly make it sound like the fed is changing some legal rate that is a minim interest rate banks mush charge but I think they just a statement of the target they look for when they play with the discount rate.  \n\nSo, there’s also this thing where the government issues bonds and the bonds pay a dividend. How the rate of that dividend determined I’m not sure, but I’m told it’s not actually something the Fed does. It may be the bond market. Bonds trade for prices that aren’t necessarily fixed to some original principal but the dividend is and as the price of the bond changes the ratio between the price of the bond and the dividend or yield….Screw it I’ don’t know what I’m talking about.  \n\nThis is at best in incomplete answer and as far as accuracy goes, don’t take it to the bank.
362302
Thanks to the recent Deficit Reduction Act, a LOT will be changing with Federal Student Aid.  Student Loan interest rates tend to change every year, but this year its different because not only are the rates changing, they are becoming fixed (so when they do change, they change "for good").\n\nCurrently Stafford Loan interest rates are reset every July.  They were capped at 8.25% but for the past 3 years have been much lower than that cap (in some years, rates were lower than 3%).  For the 2005-2006 academic year, these interest rates are as follows:\n\nFor borrowers in school or in their grace period : 4.7% \nFor borrowers in repayment: 5.3%\n\nBeginning July 1, 2006, Stafford loan rates will become FIXED at 6.8%.  If you want to consolidate to "lock in" today's 4.7% (or 5.3% if you are already in repayment) do it before July 1st.  You can save yourself a lot of money by knocking 2% off your rate.\n\nPLUS loan interest rates will also become fixed.  Currently they are variable and, for 2005-2006, are set at 6.1%.  Beginning July 1, they will become fixed at 8.5%, though most lenders offer additional benefits which could lower this rate to 7.25% or more. PLUS loans can be consolidated, too, (with each other or with any loans borrowed by the same person) so anyone with a PLUS might want to do so to lock in today's 6.1% rate.\n\nPerkins loan rates won't change.  They've been fixed at 5% for ages.
93781
How much money are we talking about and what interest rates are you paying?
1069275
l. A repo rate is the interest rate you lock in when you borrow money by selling a bond while agreeing to repurchase the same bond at a later date at a specified price. \n\n2.The opposite is called a reverse repo. The repo rate should be slightly below the interest rate implied from interest rate futures because it is collateralized.\n\n3.Monthly reports on changes in the prices paid by urban consumers for a representative basket of goods and services.\n\nThis is devise the government uses to determine where the ecomony stands in relation to the items chosen to be reported.
208393
What is the interest rate?  and what is the principal amount?
274415
I was going to write my own definition, but this onejust summed it up so well:\n\nThe actual yield of interest as opposed to the stated rate. For deposits, the effective rate of interest is based on the accounting method used to compute interest and the frequency of compounding. \n\n[Note: In other words, for deposits, the effective rate of interest is the APY.  If compounding is done annually, generally the effective rate=stated rate of interest.  But if compounding is done monthly or at some other interval, the effective rate becomes greater than the stated rate due to the compunding.]\n\nFor loans, the effective rate is the stated interest rate plus fees and charges prorated over the estimated life of the mortgage, usually ten years.
653223
sounds pretty good to me\n\nthe national average for a 15 year loan is currently 5.85%
792806
I don't think there are types of interest rate. Interest is the "rent" paid to borrow money. The lender receives a compensation for deferring their own consumption. The original amount lent is called the "principal," and the percentage of the principal which is paid/payable over a period of time is the "interest rate." \nThere are several ways to compute for interest such as simple interest, compound interest etc. There are Market Interest rates & Interest rates in Macroeconomics. \n\nThat's all I could gather, I hope I answered your question.:)
457588
Simple interest has its own formula\nFV = P(1+rt)\nwhere FV is the future value(in this case the amount due on the loan), P is the principle, r is the rate and t is the time(in years)\nP = 1780, r = .12 and t = 6/12 = .5\nFV = 1780(1+.12(.5)) = 1886.8\nFor compound interest, use the formula\nFV = P(1+i)^n\nP is the principle, i is the interest rate divided by the number of times it is compounded per year, and n is the number of times it is compounded (n is in terms of months, years or whatever the problem states.\nFor example:\nIf it is compounded monthly, then\ni = .12/12 (divide by 12 because there is 12 months in one year) and r = 6 months\nFV = 1780(1+.12/12)^6 = 1889.51\nIf it is compounded annually, then\ni = .12/1 (because it is compounded once a year) and n = 6/12 = 1/2 years\nFV = 1780(1+.12/1)^(1/2) = 1883.77
487839
Need to know how much you invested at what interest rate first.
313562
the answer to this is "probably" Mortgage rates are helped by a friendly Fed and the Federal Reserve is less likely to meddle in politics by doing any changing during an election cycle.  Better yet are the chances of no rate changes, however, due to the negative bend the Fed has been on for almost two years now, even a neutral stance would be great for all of us!
766948
Probably the same as the government rate. Call a government agency and ask them.
601069
what is the current rate?