Zinsen
7 cards from across every topic, each citing a source. Tap one to open it in the feed.
- 3% interest can still be a loss.
The nominal rate is the number the bank advertises. The real rate is nominal rate minus inflation, and only it tells …
- How a decision in Frankfurt changes your loan payment.
The key rate is what banks pay to borrow from the ECB or earn parking money there. When it rises, money gets dearer for …
- How a loan payment that never changes actually works.
With an annuity loan you pay the same instalment every month, but its composition shifts. On €200,000 at 4% interest …
- The credit-card setting that costs you hundreds of euros.
With a true credit card, the bank collects your spending and debits it once a month. Pay the full amount then and the …
- The one number that makes every loan comparable.
The nominal rate states only the pure interest. The annual percentage rate (APR) includes fees, payment schedule and …
- When interest rates rise, old bonds lose value.
A bond is a loan to a government or company, with a fixed coupon. If you hold a bond paying 2% and new bonds suddenly …
- Why €10,000 doesn't become €25,000 after 30 years.
With compound interest you earn interest on interest already credited. €10,000 at 5% grows to €25,000 after 30 years …