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The real difference is exactly what you happen to be agreeing to after you sign on the brand new dotted line (whether or not one to signature has become digital). The newest Federal Put aside slash rates from the 25 percent of a percentage point at the the Sept. 17 fulfilling. This is the second to none slashed since the December 2024 and you can lowers the fresh government fund rates to help you a range of 4.00percent–4.25percent.