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Lower interest rates also have an immediate positive impact on consumers who have variable rate mortgages because their payments will go down, which boosts their disposable income and can help stimulate consumer spending.—Rohit Arora, Forbes.com, 31 July 2025 The increase is primarily due to new unsecured bond issuances and higher rates on variable rate mortgages.—Quartz Bot, Quartz, 8 Nov. 2024 Households with variable rate mortgages should see relief more immediately.—Courtenay Brown, Axios, 18 Sep. 2024 Consumers could benefit as well, as lower interest payments on credit card bills and variable rate mortgages would free up some dollars to help with discretionary spending, such as apparel purchases.—Vicki M. Young, Sourcing Journal, 11 Sep. 2024 Since the government rolls over much of its debt, selling short-term debt like 2-year bonds is like having a variable rate mortgage.—Washington Post, 18 Sep. 2019
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