Laurel Ridge Homes & Land

202 Laurel Ridge, Asheville, NC 28805

MLS Number 3381230

  • Residential Single Family
  • Bathroom 2
  • Square Feet 1511
  • Bedrooms 3
  • Acreage 0.73

A little piece of heaven! Enjoy beautiful mountain views straight from the on deck hot tub! Such privacy, but only minutes to grocery shopping, schools, the Blue Ridge Parkway, VA Hospital and downtown. Recently remodeled home with beautiful kitchen, bathrooms and flooring. Walk in master closet and numerous built in shelves throughout the home. You cant beat this location and price!

Listed by Erin Whitson of Bee Tree Realty, LLC

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Asheville Sales Office
4 Olde Eastwood Village Blvd
Unit 201
Asheville NC, 28803
Office: 828-513-0349

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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62 Great Aspen, Black Mountain, NC 28711

MLS Number 3369554

  • Residential Single Family
  • Bathroom 5
  • Square Feet 5903
  • Bedrooms 4
  • Acreage 2.84

All expectations are exceeded for a magnificent mountain home! Nestled in the pristine gated community of Laurel Ridge in Black Mountain, quality craftsmanship and unique details abound. Enjoy a generous master suite, gourmet kitchen, fabulous fireplaces, four garage spaces, and main level living with ample room to entertain effortlessly inside and out. Welcome home to peace and tranquility in a private mountain setting!

Listed by Chloe Knight of Beverly-Hanks, South

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1 Orchard Knob, Black Mountain, NC 28711

MLS Number 3367988

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 0.84
  • Modification Date 03/27/2018

This lot in the Laurel Ridge community offers potentially easy access from a level road. This lot has a relatively mild slope. Attached is a tree and topographical survey that should be very helpful in deciding house placement. At around 3300' in elevation you can expect cooler Summer temperatures. Nice mountain views. Water and underground electricity are in place. Laurel Ridge borders the 17,000+ acre Asheville Watershed and maintains a very natural environment.

Listed by Matt Ashley of Matt Ashley Real Estate LLC

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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33 Wedgewood, Black Mountain, NC 28711

MLS Number 3336912

  • Residential Single Family
  • Bathroom 5
  • Square Feet 4037
  • Bedrooms 4
  • Acreage 1.3

What buyers and investors desire most from our mountains! Beautifully hand hewn/12"dovetail LOG home in an incredible setting. Appx six miles from downtown Black Mountain and 16 miles from downtown Asheville, this property affords the owner PRIVACY & JAW DROPPING VIEWS of the Swannanoa Mountain Range/Valley. Mountain living made easy, quality/great layout for entertaining family/friends. NO further development possible from this property and north to the Blue Rdg Prkwy (Craggie Overlook). LR borders 13,000 acre Asheville Watershed. There are many scenic trails available. Be sure to visit the Fall Branch waterfall from Oak Trail path, and visit LR's picnic area off Hemlock, where you can relax by the lower cascades of Laurel Branch! The owners have just installed an entirely new roof, along with completing some other minor repairs and installing a new radon mitigation system...

Listed by David Begley of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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54 Great Aspen, Black Mountain, NC 28711

MLS Number 3363618

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.25
  • Modification Date 04/02/2018

Enjoy wonderful winter mountain views from this 1.25-acre corner building lot in upscale, gated Laurel Ridge. This subdivision of 80+ executive homes features a community water system, underground utilities, fire substation, helipad, and abundant wildlife. All this only 15 minutes from downtown Black Mountain; 20 minutes to I-40.

Listed by Charmain Yobbi of Keller Williams - Black Mtn.

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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10 Wedgewood, Black Mountain, NC 28711

MLS Number 3363039

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.27
  • Modification Date 03/22/2018

Beautiful lot with year-round views. Located just 4 miles from downtown Black Mountain. Lot makes it easy to start driveway at lower portion of road frontage and cut gently across the slope for easy access to homesite. Located close to community gate for easy access. Community water system (no well needed), wildlife, underground utilities, and fire substation.

Listed by Eddie Colley of Keller Williams - Black Mtn.

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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25 Winding Poplar, Black Mountain, NC 28711

MLS Number 3356035

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 2.35
  • Modification Date 02/05/2018

SW exposures @ 3,295' elevation with privacy/serenity afforded by lot size/density, terrain, & heavily wooded areas. Small tributary/spring feeds lower 3rd of lot with plenty of native rock, long range views with 90+ deg winter views. Subdivision is about 45% built out (82+ homes of 190 lots) & situated below the Blue Rdg Pkwy & 550+ac purchased by So App Highland Conservancy - gate is about 4.5 mi from downtown B Mt and about 15 mi from downtown Asheville. Adjacent to 5th largest US "watershed" Avl's Burnett Reservoir. Privacy-gated entrance-abundant/diverse wildlife-neighbors-timber. Think waterwheel/pond feature @ driveway entry. Fits low impact construction w/lots of stone/timbers into a quiet backdrop of sunset/babble-outdoor FP & living area.

Listed by David Begley of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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6 Great Aspen, Black Mountain, NC 28711

Price$139,000

Est. Mortgage: $/month

MLS Number 3349832

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 2.33
  • Zoning Residential Lot
  • Modification Date 01/17/2018

If you are looking for an EZ to build lot with your own CREEK on 2.33 acres in a GATED community just minutes from Black Mtn & 17 mins from Asheville. look no further. This beautiful site is ready for your mountain dream home. This corner lot- #123 Laurel Ridge has a creek that runs along the top boundary at Great Aspen and easy level land on Hemlock Dr for placing your home. A perfect blend of natural beauty, wildlife, friendly neighbors and close to the restaurants, music and art galleries. Laurel Ridge has under ground utilities, community water system, fire sub-station, heli-pad for no worries living. Everything you love!

Listed by Jackie Tatelman of Dawn Wilson Realty

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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4 Oak Ridge, Black Mountain, NC 28711

Price$109,000

Est. Mortgage: $/month

MLS Number 3348490

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.13
  • Modification Date 03/20/2018

This mountain land is as good as it gets! Remarkably flat lot with paved access, 3500 ft elevation, long-range year-round views, privacy, and a community water system. If you're looking for an easy lot to build on, while also enjoying a spectacular view, you need to visit this lot. Lake Burnett is visible through the existing mountain laurels, and should be very visible after clearing a homesite. Community features AT&T DSL and water supply.

Listed by Scott Russell of Freestone Properties

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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32 Lake Wood, Black Mountain, NC 28711

MLS Number 3260776

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 0.8
  • Zoning Residential
  • Modification Date 01/16/2018

Flat lot with easy acces to build your home. Winter views. Located in gated community of Laurel Ridge. 70+ upscale homes situated on 1,100 acres of beautiful forest land. Underground utilities, community water system, paved roads, fire substation, community center, and helipad. 15 minutes to Black Mountain and 20 minutes to I-40.

Listed by Chip Craig of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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8 White Birch, Black Mountain, NC 28711

MLS Number 3230530

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.93
  • Zoning Residential
  • Modification Date 01/16/2018

Private 1.93ac wooded lot. Burnett Reservoir views available. Nicely sloped for views @ over 3,500' elevation. Septic Impv Permit (expired) attached. Hiking trails...492+ ac of conservation easements nearby & more to come. Adjacent to 5th largest US "watershed" Privacy-gated entry-abundant diverse wildlife-80 neighbors-large timber/rock! LR fire sub-station/community ctr & emergency helipad. 10 minutes to Black Mt, major interchanges, & valley shopping/employment - 15-20 minutes to dt Asheville.

Listed by David Begley of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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24 Lake Wood, Black Mountain, NC 28711

MLS Number 3337681

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 0.97
  • Zoning Residential Lot
  • Modification Date 01/31/2018

OUTSTANDING MOUNTAIN & LAKE VIEWS IN GATED COMMUNITY! Located at top of Laurel Ridge at 3500' elevation. 70+ upscale homes situated within 1,100 acres of beautiful forest land. Underground utilities, community water system, paved roads, fire substation, community center, and helipad. For the buyer who desires an incredible mountain property with views and easy topography for their dream home.

Listed by Gary Seifried of Carolina Mountain Sales

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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21 Wood Haven, Black Mountain, NC 28711

MLS Number 3336608

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.4
  • Zoning Residential
  • Modification Date 01/16/2018

Enjoy mountain views and sounds of a flowing stream in this peaceful wooded setting among nice homes in a gated community in Black Mountain. Build your custom home in this tranquil setting.

Listed by Carolyn Knight of Diamond Real Estate Group

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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45 Great Aspen, Black Mountain, NC 28711

MLS Number 3327814

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 2.78
  • Zoning Residential Lot
  • Modification Date 02/26/2018

Great 2.78-acre building lot in gated Laurel Ridge now priced at just above tax value! Sloping to level, gentle build site meets privacy and winter mountain views. Laurel Ridge is a prestigious community of 80+ executive homes set amid 1,100 pristine acres and includes a fire substation, community center, helipad, walking trails, city water, underground utilities, and abundant wildlife. All this only 15 min to Black Mountain and 20 min to I-40. See this lot today!

Listed by Charmain Yobbi of Keller Williams - Black Mtn.

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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$
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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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26 Wedgewood, Black Mountain, NC 28711

MLS Number 3322169

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 3.86
  • Zoning Residential
  • Modification Date 03/12/2018

Beautiful lot in gated Laurel Ridge Community! Natural rock outcroppings could surround your home as you listen to the headwaters of Laurel Branch, or use rocks from the property to build your fireplace. Such a magnificent setting with beautiful views! Welcome to the mountains! Laurel Ridge offers abundant wildlife, great hiking, underground utilities, community water system, comm. center, helipad, and fire sub-station.

Listed by Sunday Grant of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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$
%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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TBD Hemlock, Black Mountain, NC 28711

MLS Number 3322168

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.85
  • Zoning Residential
  • Modification Date 03/12/2018

Wander along the meandering logging road to your beautiful homesite tucked in the woods. Picture yourself sitting on your front porch listening to Laurel Branch Creek babble below. Convenient location in Laurel Ridge with easy access. Several flat building sites. Not something you come across often in Laurel Ridge! Laurel Ridge offers abundant wildlife, great hiking, underground utilities, community water system, comm. center, helipad, and fire sub-station.

Listed by Sunday Grant of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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25 Woodhaven, Black Mountain, NC 28711

MLS Number 3321917

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.72
  • Zoning Residential Lot
  • Modification Date 03/12/2018

Beautiful lot in gated community of Laurel Ridge with easy access. 2 lovely babbling streams are on the property to sit beside and enjoy the peace. Quiet but close to town and many trails. Over 500 feet of road frontage. Laurel Ridge offers abundant wildlife, great hiking, underground utilities, community water system, comm. center, helipad, and fire sub-station. Property was perked by Buncombe County Health Dept. in 2001. Permit outdated now.

Listed by Sunday Grant of Black Mountain Office

{$agent->Name}

Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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37 Wedgewood, Black Mountain, NC 28711

MLS Number 3318768

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.59
  • Modification Date 01/16/2018

Gorgeous lot in a desirable gated neighborhood! Would have beautiful views with some clearing on this perfect build spot. Community has a clubhouse, walking trails, and is in a great part of Black Mountain. Come see!

Listed by Brent Allen of Keller Williams Professionals

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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29 Wedgewood, Black Mountain, NC 28711

MLS Number 3157482

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.45
  • Zoning Residential
  • Modification Date 03/28/2018

One of the higher elevation lots in a beautiful and natural environment known as Laurel Ridge. These 1.45 acres border a conservation easement for perpetual wilderness behind you. This lot faces SSE for abundant sunshine and a view of the North Fork Valley and Swannanoa Range beyond. Creek flows through most of South side. Enjoy the privacy and quietness this artfully gated community provides. Recorded easement for driveway, of which (possibly most difficult) part is already completed.

Listed by Matt Ashley of Matt Ashley Real Estate LLC

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
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3 Wood Haven, Black Mountain, NC 28711

MLS Number 3144247

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.12
  • Zoning Residential
  • Modification Date 03/27/2018

While passing through the artistic iron gate and winding up through the meadows, you'll begin to appreciate the natural beauty and serenity of the community of Laurel Ridge. This particular lot has filtered winter views of the tranquil Burnette Reservoir and mountains above. View of reservoir may well be unobstructed with some clearing of trees.

Listed by Matt Ashley of Matt Ashley Real Estate LLC

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
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55 Great Aspen, Black Mountain, NC 28711

MLS Number 3243211

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.37
  • Zoning Residential Lot
  • Modification Date 01/16/2018

Just outside Black Mountain lies the beautiful community of Laurel Ridge. If convenience & privacy are what you have in mind with easy access to shopping, schools & I-40 look no further. This easy buildable sloping lot offers wooded/pastoral views in winter & privacy in the summer. A small seasonal stream borders the lot. Abundant wildlife & a back to nature feel. Black Mountain sub-firestation & a helicopter pad in the community.

Listed by Robert Morris of Mountain Vista Properties

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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$
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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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32 Great Aspen, Black Mountain, NC 28711

MLS Number 3183711

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.71
  • Zoning Residential Lot
  • Modification Date 01/16/2018

Fantastic mountain views & lake views available. Watch sun rise over the lake...Hard to beat! LR borders 492ac by So App Highland Conservancy lands, tucked under B Rdg Pkwy, & joins Avl's reservoir - USA's 5th largest. Private, gated, serene, with abundant wildlife, sounds of Laurel Branch or nearby streams. LR has helipad & fire sub-station & gate 10 minutes to Black Mt, Asheville 13 mi, 15-20 max. A little slice of heaven at about 3,100' elevation, with great building site on upper portion!

Listed by David Begley of Black Mountain Office

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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$
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%
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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Tract 7 Winding Poplar, Black Mountain, NC 28711

MLS Number 3289709

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 63.11
  • Zoning Residential
  • Modification Date 02/13/2018

There may be no other comparable land in Western NC. Originally planned as a Continuing Care Retirement Community, this 63-acre tract is in gated Laurel Ridge, but is not restricted. Idyllic mountain setting with over 2000 feet of cascading streams! LOTS of flat land and build sites. Access is via an old, FLAT logging road! Ideal residential development or private estate. 10 minutes to downtown Black Mtn & I-40, 25 to downtown AVL. Potential community water access.

Listed by Scott Russell of Freestone Properties

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Asheville Sales Office
4 Olde Eastwood Village Blvd
Unit 201
Asheville NC, 28803
Office: 828-513-0349

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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29 Winding Poplar, Black Mountain, NC 28711

MLS Number 3285234

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 2.4
  • Zoning Residential Lot
  • Modification Date 01/16/2018

Enjoy wonderful winter mountain views from this nearly 2 1/2 acre lot in upscale, gated Laurel Ridge. This community of 70+ executive homes features city water, underground utilities, fire substation, helipad, and abundant wildlife. All this only 15 minutes from downtown Black Mountain; 20 minutes to I-40.

Listed by Charmain Yobbi of Keller Williams - Black Mtn.

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
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99999 Wedgewood, Black Mountain, NC 28711

MLS Number 3282797

  • Land Lots/Acres/Farms
  • Subdivision Laurel Ridge
  • Acreage 1.12
  • Zoning Residential Lot
  • Modification Date 03/23/2018

Beautiful mountain views for less money. That is what you get with this 1.12-acre lot with an active four-bedroom septic permit that is priced tens of thousands below tax value in gated Laurel Ridge! An upscale community of 70+ executive homes situated in an idyllic setting, Laurel Ridge features underground utilities, city water, paved roads, fire substation, community center, helipad, and abundant wildlife. 15 min. to Black Mountain; 20 min. to I-40.

Listed by Charmain Yobbi of Keller Williams - Black Mtn.

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Black Mountain Office
204 E. State Street
Black Mountain NC, 28711
Office: 828-295-2176

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Federal 30-year interest rate: 4.44% last updated on Dec 21, 2017
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
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