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ECB President hints at cutting key interest rates: What that means for your money”
According to a report from www.focus.de, the ECB may plan to cut key interest rates this year. Many experts expect that the first cut could take place in June, while other analysts expect it as early as April. But what would be the effects of such a rate cut on the market? Call money: If interest rates were cut by 0.25 percent, the call interest rates could fall by an average of 0.12 percent. An investment of 10,000 euros would mean an interest loss of 12 euros per year, with 100,000 euros it would be 120 euros. In the medium term, however, interest rates are likely to fall more sharply, which could lead to even higher losses. Real Estate Loans: A…
ECB President hints at cutting key interest rates: What that means for your money”
According to a report from www.focus.de, the ECB may plan to cut key interest rates this year. Many experts expect that the first cut could take place in June, while other analysts expect it as early as April. But what would be the effects of such a rate cut on the market?
- Tagesgeld: Bei einer Zinssenkung um 0,25 Prozent könnten die Tagesgeldzinsen um durchschnittlich 0,12 Prozent sinken. Eine Anlage von 10.000 Euro würde einen Zinsverlust von 12 Euro im Jahr bedeuten, bei 100.000 Euro wären es 120 Euro. Mittelfristig dürften die Zinsen aber stärker sinken, was zu noch höheren Verlusten führen könnte.
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Real estate loans: An interest rate cut by the ECB of 0.25 percentage points is unlikely to have any impact on real estate loans, as developments on the interest rate market are priced in earlier.
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Bonds: Interest rates on government bonds are expected to fall at the same rate as savings deposits, which could lead to lower returns for investors.
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Stocks: The impact of a rate cut on the stock market is difficult to predict. In theory, companies could get loans more cheaply and therefore invest more, which would make stocks more attractive.
In principle, high interest rates primarily benefit banks and insurance companies, while low interest rates are beneficial for everyone who needs or wants to take on debt, such as states, companies and private individuals.
Source: www.focus.de
Read the source article at www.focus.de