Graham Stephan: Interest rates will rise

Said on Feb 16, 2018, at 7:29 in the video.

What was said
Graham Stephan

@grahamstephan

“I'm almost positive that five to ten years from now rates will be much higher than they are now”
Watch at 7:29The 5 Golden Rules of Real Estate Investing
PredictionInterest rateswill riseChecked at fixed windows, from 30 days to 5 years
What happenedafter 1 year
Not verifiable

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

30 days

Not verifiable

90 days

Not verifiable

180 days

Not verifiable

1 year

Not verifiable

The window it was checked over

Interest ratesWindow checkedRecession (NBER)
0%0.5%1%1.5%2%2.5%3%201520152016201720182019Said on Feb 16, 2018
0%1%2%3%2015201620182019Said on Feb 16, 2018

Federal funds target range, upper limit: Federal Reserve Board via FRED, figures as first published. The shaded span is the window the call was checked over; grey bands are recessions.

Result at every window

All windows are shown, so none is picked
Result at every window
WindowResultAt the startAt the endChangeBenchmark
30 daysR-FED v4Not verifiable————
90 daysR-FED v4Not verifiable————
180 daysR-FED v4Not verifiable————
1 yearR-FED v4Not verifiable————
3 yearsR-FED v4Not verifiable————
5 yearsR-FED v4Not verifiable————
Why: 30 days

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

Why: 90 days

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

Why: 180 days

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

Why: 1 year

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

Why: 3 years

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

Why: 5 years

Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.

What was said around it

personally like to do but my philosophy is quite simple it's just buy once and hold even though you might be able to get a much lower interest rate by getting maybe a five to 10-year adjustable rate mortgage which just means that your rate is locked in for that term you may as well if you plan to hold the property long-term lock-in the longest term you can now at a fixed interest rate especially while rates are overall still pretty low otherwise what's going to end up happening is that five to ten years from now your rate is going to readjust and I'm almost positive that five to ten years from now rates will be much higher than they are now if you lock in a 30-year loan now at a fixed rate you will at least know what your holding costs are for the entire ownership of that property if you lock it in for let's say seven years you can really only guarantee that your payment will be the same for seven years if rates shoot up dramatically after seven years you're gonna have to re-evaluate if that property is even worth it to keep and you're gonna be subject to whatever the local market is at that time and maybe it's not the best time to sell maybe something happened in the short term you

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