In the subprime mortgage crisis, the loan interest rate in the United States was as low as 65,438+0%, and the repayment times of mortgage borrowers were very few-so how can investors achieve high returns of 4%, 7% or even 65,438+00%? The loan interest rate is only a benchmark value, and different types are different. It is necessary to understand the concept of subprime loans. Subprime loans provide loans for people with insufficient credit rating to buy houses, because the loan interest rate required by risk banks is very high, and then the credit line is increased through asset packaging and restructuring to make high-yield products and sell them to investors. At that time, due to the rising housing prices in the United States, banks were unable to recover their houses and sell them, but then the subprime mortgage crisis broke out.