Yield Configuration
5.00%
2.0%
3.5%
5.0% (Fixture)
7.0%
Household Balances
Monthly Household Squeeze (Delta vs Baseline)
+$322/mo
Consumes 5.15% of median household take-home pay. Annual net cash drag: $3,864.
Baseline references: 30-yr Fixed Mortgage at 6.8% (Spread +2.8%), 60-mo New Auto Loan at 7.0% (Spread +3.5%), Revolving Credit Card APR spread +17.4% pegged to effective funds transmission.
Macro Yield Transmission to Consumer Loans
30-Yr Fixed Mortgage
+2.80% Spread
7.8%
+$215 / mo
Auto Loan APR
+3.50% Spread
8.5%
+$45 / mo
Credit Card APR
+17.40% Spread
22.4%
+$62 / mo
Household Monthly Cash Flow Ledger
| Liability Category | Principal / Balance | Effective APR | Simulated Payment | Monthly Net Drag |
|---|---|---|---|---|
| 30-Year Mortgage (360 mo) | $320,000 | 7.8% | $2,302/mo | +$215/mo |
| 60-Month Auto Loan | $24,000 | 8.5% | $492/mo | +$45/mo |
| Revolving Credit Card | $6,500 | 22.4% | $183/mo | +$62/mo |
| Total Monthly Impact | $350,500 | — | $2,977/mo | +$322/mo |