Stopa procentowa jest wskaźnikiem ekonomicznym determinującym wysokość kosztów pożyczenia pieniędzy od pożyczkodawcy. Instytucjami mogącymi ustalać stopy procentowe są banki centralne i komercyjne. Poza kosztami pożyczek stopa procentowa wpływa na zyski płynące z lokat. Służy również do oszacowania kwoty rzeczywistego pozyskania pożyczki lub kredytu.
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