| Interest Rate Ceiling | |
 The absolute maximum rate of interest that a financial institution can charge for an adjustable rate mortgage or loan. |
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 This is regulated by the government. When a borrower is charged interest above the established legal rate they are usually dealing with a loan shark. |
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 Forces Behind Interest Rates - Get a deeper understanding of the importance of interest rates and what makes them change. How the Distinction Between APR and APY Affects You - Learn and ensure the different rates quoted to you by banks and institutions are what they claim to be. |
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