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📈 The impact of interest rate hikes and cuts on everyone 📉

People who are involved in investment are currently most concerned about "interest rate hikes/cuts". I hope the following information is helpful to everyone. 🍀

Interest rate hikes/cuts are determined by the "central bank"! It can be analyzed mainly from the perspectives of investment, loans, and savings.

🔺The impact of interest rate hikes/cuts on investments:

🔹Interest rate hike: With the increase in bank deposit interest rates, people are more inclined to save money in banks, which may lead to a decrease in the heat of the real estate market and stock market.

🔸Interest Rate Cut: With the decrease in loan interest rates, banks offer no interest, making it easier for everyone's money to flow into the stock market and real estate market.

🔹Rise in interest rates: as loan interest rates increase, monthly interest payments also increase, which can potentially lower the willingness to borrow and create pressure when buying a house or taking out a loan!

🔸Interest Rate Cut: Lower loan interest rates lead to reduced monthly interest payments, making it easier to increase loan willingness and alleviate the pressure of buying a house or borrowing money!

Why does the central bank raise/lower interest rates?

🔹Rate Hike: To curb inflation and prevent currency devaluation/capital outflows.

🔸Rate Cut: Promote economic development, encourage consumption/investment, and enhance export competitiveness.

🍀The above is not investment advice. Welcome to discuss together.