DiscoverMarket MakeHer Podcast64. How The Credit Market Influences Your Loan Interest Rates
64. How The Credit Market Influences Your Loan Interest Rates

64. How The Credit Market Influences Your Loan Interest Rates

Update: 2024-11-22
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Description

What is the credit market and how does it determine our loan interest rates? It’s actually the same thing as the bond market, and we consumers all participate in it. Join us as we delve into the intricacies of the credit market and how it influences interest rates across various financial products, including credit cards, auto loans, and mortgages.
 
We will also discuss the yield curve, the role of the Federal Reserve (aka The Fed), and how understanding these concepts can empower consumers to make informed financial decisions. The financial system is interconnected like a giant puzzle. We’re here to help you put all the pieces together and learn how to make the system and your money work for you!
  


Takeaways
✨ Interest rates on loans are influenced by the yield curve.


✨ The credit market determines interest rates for various loans.


✨ The Federal Reserve impacts short-term rates directly.


✨ Understanding the yield curve helps in making financial decisions.


✨ Consumers can influence the stock market through their spending.


✨ Credit card rates are tied to the prime rate, which is influenced by the Fed.


✨ Auto loans are typically tied to the middle of the yield curve.


✨ Mortgages are related to the 10-year treasury yields.
 
Episodes mentioned:
18. Understanding the Yield Curve 
52. Intro to Bonds


  


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Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠! 



Important Disclosures:Market MakeHer podcast is unsponsored at the time of recording.  Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.




Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.



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64. How The Credit Market Influences Your Loan Interest Rates

64. How The Credit Market Influences Your Loan Interest Rates

Jessica Inskip and Jessie DeNuit

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