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# Borrowing Interest Rate on PembRock
Utilization below simply shows how liquid a pool is.
If it’s not liquid enough (which translates to a utilization of 90% or more), the interest rate is high, meaning borrowers are incentivized to repay their debts while lenders, to supply more.
If it is liquid enough, the interest rate is low, meaning borrowers are incentivized to take out more.
The optimal utilization range is between 60.0% and 89.9%. Within it, the borrowing interest rate always stands at 20%.
### General Borrowing Interest Rate for all assets excluding NEAR, stNEAR, LINEAR, NearX
| Utilization Range | Interest Rate @ Min. | Interest Rate @ Max. |
| :---------------: | :------------------: | :------------------: |
| 0.0% – 59.9% | 0% | 20% |
| 60.0% – 89.9% | 20% | 20% |
| 90.0% – 100.0% | 20% | 150% |
To better understand the relationship, take a look at the chart below.
### Borrowing Interest Rate for stNEAR, LINEAR, NEARX
| Utilization Range | Interest Rate @ Min. | Interest Rate @ Max. |
| :---------------: | :------------------: | :------------------: |
| 0.0% – 59.9% | 0% | 10% |
| 60.0% – 89.9% | 10% | 10% |
| 90.0% – 100.0% | 10% | 150% |
To better understand the relationship, take a look at the chart below.
### Borrowing Interest Rate for NEAR
| Utilization Range | Interest Rate @ Min. | Interest Rate @ Max. |
| :---------------: | :------------------: | :------------------: |
| 0.0% – 59.9% | 0% | 13% |
| 60.0% – 89.9% | 13% | 13% |
| 90.0% – 100.0% | 13% | 150% |
To better understand the relationship, take a look at the chart below.