Base rate vs Benchmark Prime Lending Rate (BPLR) What is Base rate ? Base rate is the minimum rate at which bank can lend.Home loan interest rate charged is base rate plus spread. For example :If bank base rate is 10% and spread is 0.5% then your effective home loan interest rate is 10% + 0.5%=10.5%. Prime rate, in essence, refers to the bank's 'best' rate for ordinary, short term business loans in the domestic US market. You can think of that as a base rate, but ONLY for short term loans to

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11 Mar 2020 What will Brexit mean for interest rates? Find out how leaving the EU could affect savings and mortgage rates. By Ian Aikman. 11 Mar 

If you ask me, the average annual return figure really isn't that important. What is important, and I suggest it should be to you too, is the actual rate of return.

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