Alapkamatváltozás

Alapkamatváltozás refers to changes in the base interest rate set by a country's central bank. This rate, often called the policy rate or reference rate, influences the cost of borrowing and lending throughout the economy. When the central bank adjusts the alapkamat, it aims to manage inflation, stimulate or cool down economic growth, and maintain financial stability.

A decrease in the alapkamat typically makes borrowing cheaper for consumers and businesses. This can encourage spending, investment, and potentially boost economic activity. Conversely, an increase in the alapkamat makes borrowing more expensive, which can help to curb inflation by reducing demand and slowing down economic growth.

The alapkamat can be influenced by various factors, including inflation targets, unemployment rates, global economic conditions, and the overall health of the domestic economy. Central banks monitor these indicators closely and make decisions about alapkamatváltozás to achieve their mandated economic objectives. These changes are usually announced following regular monetary policy meetings and are a key tool in steering the direction of the economy.