Very intuitively, many people know that if the interest rates estan low it is not the moment for saving, and if the interest rates estan high it is not the moment for investing (at least get into debt itself). Therefore, the people always are pending to read the newspaper, to listen to the news by the television and to listen the reputation economists to be able to know their opinions, about the future of the interest rates. I am going to give tip to you that gave it to me in the Masters of Finances, this tip is not a theory that behaves 100% actually faithful but it does in great amount of the times. He catches the television or he buys the newspaper and he sees the publicities of the banks. If you see excessive announcements of the banks promoting credits with fixed rates of interest, then, surely the interest rates are going TO LOWER or are going away to maintain losses.

On the other hand, if you see excessive announcements of the banks promoting savings on credit fixed, then, surely the interest rates are going TO RAISE or are going away to maintain discharges. What is the reason of this? , fijate: We suppose that the passive rates of interest (savings) are in 8%, and the banks consider that they are going to raise 10%, then they will on credit promote savings fixed with an approximated rate of 9%. With this, when raising the rates 10%, ” is a great amount of clients with its savings; amarrados” to 9%. That is to say, they are receiving cheap the clients to him to keep its savings. That differential of 10% – 9% = 1%, gain the banks with that strategy. On the other side, if the active rates of interest (credits) are in 20% and the banks consider that they go to lower to 18%, then they will on credit promote credits and approximate fixed rates to 19%. Then, when the rates lower to 18% is a great amount of clients with their credits ” amarrados” to 19%, that is to say, the clients are going to pay but expensive the value of their credit..