viivisemaksed

Viivisemaksed, also known as interest rates, are a crucial concept in finance and economics. They represent the cost of borrowing money or the return on investments. Interest rates are typically expressed as a percentage and can vary based on several factors, including the type of loan, the borrower's creditworthiness, and the overall economic conditions.

Interest rates can be categorized into several types. Fixed interest rates remain constant throughout the loan term, providing predictability for borrowers. Variable interest rates, on the other hand, fluctuate based on market conditions or a benchmark rate, offering potential savings or increased costs depending on the direction of the market.

Central banks play a significant role in managing interest rates. They can influence the economy by adjusting the benchmark interest rate, which affects borrowing costs for businesses and consumers. Lower interest rates can stimulate economic growth by making borrowing cheaper, while higher rates can help control inflation by making borrowing more expensive.

Interest rates also impact investment decisions. Higher interest rates can make bonds more attractive, as they offer higher returns. Conversely, lower interest rates can make stocks more appealing, as they offer higher potential returns. Understanding interest rates is essential for individuals and businesses to make informed financial decisions.