# How to borrow at risk free rate

When learning about derivatives, we learnt about risk-free hedges and portfolios. However, one of the concepts was about borrowing and lending at the risk free rate. Now, for lending it's as simple as buying government bonds. However, how does one borrow at the risk free rate? I doubt it's about selling your own bonds. I'm just trying to work out how to apply these economic theories in real life, so any help will be greatly appreciated.

• @lunar_props The 0% promotions are tricky though, because you are borrowing on the condition of buying a product. I will happily sell you an apple for \$120 in \$10 monthly installments at 0% interest. – Giskard Nov 29 '19 at 5:38