Скачать или смотреть How Interest Rates Affect Your Investments

What Are Interest Rates?
Interest rates are the cost of borrowing money or the reward for saving it. They are usually set by a country's central bank (like the Bank of England, the Federal Reserve, or the ECB) and influence the rates that banks offer to consumers.

Key Impacts of Interest Rates on Consumers
Borrowing Costs: When interest rates rise, loans (e.g., mortgages, credit cards, car loans) become more expensive. This can reduce spending.

Savings Returns: Higher rates mean better returns on savings accounts and fixed deposits, encouraging more saving.
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