reálkamatok

Reálkamatok is a term that refers to the real interest rate, which is the nominal interest rate adjusted for inflation. It represents the actual return on an investment or the true cost of borrowing. The concept is crucial for understanding the purchasing power of money over time.

To calculate the real interest rate, one subtracts the inflation rate from the nominal interest rate. For instance, if a savings account offers a nominal interest rate of 5% and the inflation rate is 3%, the real interest rate is 2%. This means that while the money in the account has grown by 5%, its purchasing power has only increased by 2% due to rising prices.

Conversely, if the nominal interest rate is lower than the inflation rate, the real interest rate will be negative. This indicates that the investor is losing purchasing power, even though the nominal value of their investment is increasing. For example, a nominal rate of 2% with 4% inflation results in a real rate of -2%.

The reálkamatok is a vital economic indicator used by individuals, businesses, and policymakers. It influences decisions regarding saving, investing, and borrowing. Central banks often monitor real interest rates when setting monetary policy, as they can impact economic growth and inflation control. Understanding the reálkamatok allows for a more accurate assessment of financial performance and economic conditions.