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Check out this article: <b>How the Credit Crisis Will Impact Your Interest Rate</b><br /><br />https://www.bestcashcow.com/articles/How+the+Credit+Crisis+Will+Impact+Your+Interest+Rate-6381<br /><br />The sub-prime crisis and the credit crunch are about the failure of a lending system creating by Wall Street. Instead of banks keeping loans on their balance sheets, they pooled them and sold them off in the form of bonds and other securitized investments. Banks can only lend based on the amount of equity (deposits, cash, etc.) they have on their balance sheet. By removing the loans from their balance sheet, they created more space to do more lending.<br /> <br /> This phenomena has ended. <a href="https://www.bestcashcow.com/articles/How+the+Credit+Crisis+Will+Impact+Your+Interest+Rate-6381">Read More</a>

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