The invention of tools like interest rates allow to obtain various yields to various entities especially the banking, this has contributed to the acquisition of important sources of income for them, allowing that they possess qualities that will help benefit the conception of financial aspects for people of the common as a loan or a credit of any kind. Interest rates are the main source of income for banks today, since the yields obtained of these allow you to allocate funds to other activities such as those mentioned above. But that you can define by interest rates? Interest rates are the marginal percentage should be paid or set forth the financial processes as loans or credits, for the use of third-party capital; bone that you can define specifically as the charge that must be paid in time by obtaining an amount or capital for a purpose specific, this amount can be measured in percentages according to the entity or person lender. Today the fixing of interest rates is made based on two factors in the majority of cases; they are: the central banks of each country regulate interest rate depending on the behaviour of the national economy, this influence directly with interest rates that banks provide to the public. The behavior of investors from a country movements also directly influences the interest rates, because if the stock price this rising demand for money needed to acquire them therefore also increases, therefore the interest rate for such financial movements tends to rise. It is very important to mention that the above applies in conception to maintain a stable macroeconomics.
Today due to the amount of financial movements containing interest rate they can be categorized in various ways; among the most important we find some as: active interest rate: the percentage of interest placed by the banks to the loan of an amount that makes users, called active because the interests are in favour of the Bank. Passive interest rates: is the percentage which pay a lending institution whether a bank or entity who deposits an amount of money by any means that exists for this activity. It is called passive because this is in favor of the user. External interest rates: is the percentage that is paid annually by the use of foreign capital; This rate is defined by the countries or entities lenders in countries where was awarded the monetary resource is important to mention that thanks to the creation of the interest rates them as consumption and savings, will encourage two fields of vital importance today, a interest rate to call it somehow highIt encourages individual savings and a low interest rate encourages bone expenditure individual consumption, which significantly contributes to the financial growth of private and governmental entities.