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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["197", "198", "199"], "backendDOMNodeId": 372, "browsergym_id": "c343668c-3acd-4456"}, {"nodeId": "137", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["200", 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. 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When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. 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A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. 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borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["197", "198", "199"], "backendDOMNodeId": 372, "browsergym_id": "c343668c-3acd-4456"}, {"nodeId": "137", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["200", "201", "202"], "backendDOMNodeId": 378, "browsergym_id": "9b007338-1037-47bb"}, {"nodeId": "138", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["203", "204", "205"], "backendDOMNodeId": 384, "browsergym_id": "89f3969f-fd2f-4eec"}, {"nodeId": "139", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["206", "207", "208"], "backendDOMNodeId": 390, "browsergym_id": "110b172d-2743-4b86"}, {"nodeId": "140", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Real Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Real Interest Rate"}}]}, "properties": [], "parentId": "66", "childIds": [], "backendDOMNodeId": 398}, {"nodeId": "141", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:"}}]}, "properties": [], "parentId": "67", "childIds": [], "backendDOMNodeId": 401}, {"nodeId": "142", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "real rate + inflation = nominal rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "real rate + inflation = nominal rate"}}]}, "properties": [], "parentId": "68", "childIds": [], "backendDOMNodeId": 404}, {"nodeId": "143", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. For more information about or to do calculations involving inflation, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. 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A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. 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borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["197", "198", "199"], "backendDOMNodeId": 372, "browsergym_id": "c343668c-3acd-4456"}, {"nodeId": "137", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["200", "201", "202"], "backendDOMNodeId": 378, "browsergym_id": "9b007338-1037-47bb"}, {"nodeId": "138", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["203", "204", "205"], "backendDOMNodeId": 384, "browsergym_id": "89f3969f-fd2f-4eec"}, {"nodeId": "139", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["206", "207", "208"], "backendDOMNodeId": 390, "browsergym_id": "110b172d-2743-4b86"}, {"nodeId": "140", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Real Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Real Interest Rate"}}]}, "properties": [], "parentId": "66", "childIds": [], "backendDOMNodeId": 398}, {"nodeId": "141", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:"}}]}, "properties": [], "parentId": "67", "childIds": [], "backendDOMNodeId": 401}, {"nodeId": "142", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "real rate + inflation = nominal rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "real rate + inflation = nominal rate"}}]}, "properties": [], "parentId": "68", "childIds": [], "backendDOMNodeId": 404}, {"nodeId": "143", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. For more information about or to do calculations involving inflation, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. For more information about or to do calculations involving inflation, please visit the "}}]}, "properties": [], "parentId": "69", "childIds": [], "backendDOMNodeId": 407}, {"nodeId": "144", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Inflation Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Inflation Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "69", "childIds": ["209"], "backendDOMNodeId": 408, "browsergym_id": "15b3654e-25f9-459e"}, {"nodeId": "145", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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on loans with fixed terms and monthly payments. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", 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"201", "202"], "backendDOMNodeId": 378, "browsergym_id": "9b007338-1037-47bb"}, {"nodeId": "138", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["203", "204", "205"], "backendDOMNodeId": 384, "browsergym_id": "89f3969f-fd2f-4eec"}, {"nodeId": "139", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["206", "207", "208"], "backendDOMNodeId": 390, "browsergym_id": "110b172d-2743-4b86"}, {"nodeId": "140", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Real Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Real Interest Rate"}}]}, "properties": [], "parentId": "66", "childIds": [], "backendDOMNodeId": 398}, {"nodeId": "141", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:"}}]}, "properties": [], "parentId": "67", "childIds": [], "backendDOMNodeId": 401}, {"nodeId": "142", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "real rate + inflation = nominal rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "real rate + inflation = nominal rate"}}]}, "properties": [], "parentId": "68", "childIds": [], "backendDOMNodeId": 404}, {"nodeId": "143", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. For more information about or to do calculations involving inflation, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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"childIds": ["181"], "backendDOMNodeId": 262, "browsergym_id": "7ca25be5-0940-40fe"}, {"nodeId": "103", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": " | ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": " | "}}]}, "properties": [], "parentId": "36", "childIds": [], "backendDOMNodeId": 264}, {"nodeId": "104", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. 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For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. 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For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", 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[{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["206", "207", "208"], "backendDOMNodeId": 390, "browsergym_id": "110b172d-2743-4b86"}, {"nodeId": "140", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Real Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Real Interest Rate"}}]}, "properties": [], "parentId": "66", "childIds": [], "backendDOMNodeId": 398}, {"nodeId": "141", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:"}}]}, "properties": [], "parentId": "67", "childIds": [], "backendDOMNodeId": 401}, {"nodeId": "142", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "real rate + inflation = nominal rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "real rate + inflation = nominal rate"}}]}, "properties": [], "parentId": "68", "childIds": [], "backendDOMNodeId": 404}, {"nodeId": "143", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. For more information about or to do calculations involving inflation, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. 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When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. 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A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. 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For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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{"type": "booleanOrUndefined", "value": true}}], "parentId": "36", "childIds": ["182"], "backendDOMNodeId": 265, "browsergym_id": "32f2e6c1-1328-42bd"}, {"nodeId": "105", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 272}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 275}, {"nodeId": "107", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "41", "childIds": [], "backendDOMNodeId": 278}, {"nodeId": "108", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "42", "childIds": ["183"], "backendDOMNodeId": 281, "browsergym_id": "860525a5-405e-424e"}, {"nodeId": "109", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 285}, {"nodeId": "110", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "43", "childIds": ["184"], "backendDOMNodeId": 286, "browsergym_id": "0d0d2ea9-1248-4e74"}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "43", "childIds": [], "backendDOMNodeId": 288}, {"nodeId": "112", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "44", "childIds": ["185"], "backendDOMNodeId": 291, "browsergym_id": "0d4db5c6-4b51-4e90"}, {"nodeId": "113", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "45", "childIds": [], "backendDOMNodeId": 295}, {"nodeId": "114", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "46", "childIds": ["186"], "backendDOMNodeId": 298, "browsergym_id": "494ffa3e-139c-4f58"}, {"nodeId": "115", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 302}, {"nodeId": "116", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "47", "childIds": ["187"], "backendDOMNodeId": 303, "browsergym_id": "9683a186-9b7b-433a"}, {"nodeId": "117", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 305}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 308}, {"nodeId": "119", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "49", "childIds": [], "backendDOMNodeId": 311}, {"nodeId": "120", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "50", "childIds": ["188"], "backendDOMNodeId": 314, "browsergym_id": "92de2812-fb8c-4e31"}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "51", "childIds": [], "backendDOMNodeId": 318}, {"nodeId": "122", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "52", "childIds": ["189"], "backendDOMNodeId": 321, "browsergym_id": "6ed9c870-a2cc-47b7"}, {"nodeId": "123", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "53", "childIds": [], "backendDOMNodeId": 325}, {"nodeId": "124", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "54", "childIds": ["190"], "backendDOMNodeId": 328, "browsergym_id": "5bf12e07-942a-46d6"}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "55", "childIds": [], "backendDOMNodeId": 332}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "56", "childIds": ["191"], "backendDOMNodeId": 335, "browsergym_id": "b7d4da7b-77fc-4e43"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 339}, {"nodeId": "128", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 342}, {"nodeId": "129", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "59", "childIds": [], "backendDOMNodeId": 345}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "60", "childIds": ["192"], "backendDOMNodeId": 348, "browsergym_id": "a543394e-e0b4-4a59"}, {"nodeId": "131", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 352}, {"nodeId": "132", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "62", "childIds": [], "backendDOMNodeId": 355}, {"nodeId": "133", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "63", "childIds": ["193"], "backendDOMNodeId": 358, "browsergym_id": "ca3b4eda-16c8-44ec"}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "64", "childIds": [], "backendDOMNodeId": 362}, {"nodeId": "135", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["194", "195", "196"], "backendDOMNodeId": 366, "browsergym_id": "4ccb134f-2c28-4e21"}, {"nodeId": "136", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["197", "198", "199"], "backendDOMNodeId": 372, "browsergym_id": "c343668c-3acd-4456"}, {"nodeId": "137", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["200", "201", "202"], "backendDOMNodeId": 378, "browsergym_id": "9b007338-1037-47bb"}, {"nodeId": "138", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["203", "204", "205"], "backendDOMNodeId": 384, "browsergym_id": "89f3969f-fd2f-4eec"}, {"nodeId": "139", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "65", "childIds": ["206", "207", "208"], "backendDOMNodeId": 390, "browsergym_id": "110b172d-2743-4b86"}, {"nodeId": "140", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Real Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Real Interest Rate"}}]}, "properties": [], "parentId": "66", "childIds": [], "backendDOMNodeId": 398}, {"nodeId": "141", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:"}}]}, "properties": [], "parentId": "67", "childIds": [], "backendDOMNodeId": 401}, {"nodeId": "142", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "real rate + inflation = nominal rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "real rate + inflation = nominal rate"}}]}, "properties": [], "parentId": "68", "childIds": [], "backendDOMNodeId": 404}, {"nodeId": "143", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. 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In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. 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"value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 277}, {"nodeId": "100", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 280}, {"nodeId": "101", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "41", "childIds": ["174"], "backendDOMNodeId": 283, "browsergym_id": "f5a8bba5-8934-480d"}, {"nodeId": "102", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "42", "childIds": [], "backendDOMNodeId": 287}, {"nodeId": "103", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "42", "childIds": ["175"], "backendDOMNodeId": 288, "browsergym_id": "bd1955ed-c699-421e"}, {"nodeId": "104", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "42", "childIds": [], "backendDOMNodeId": 290}, {"nodeId": "105", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "43", "childIds": ["176"], "backendDOMNodeId": 293, "browsergym_id": "107eac2c-a5ad-40d8"}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "44", "childIds": [], "backendDOMNodeId": 297}, {"nodeId": "107", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "45", "childIds": ["177"], "backendDOMNodeId": 300, "browsergym_id": "e9b90503-69f9-453f"}, {"nodeId": "108", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "46", "childIds": [], "backendDOMNodeId": 304}, {"nodeId": "109", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "46", "childIds": ["178"], "backendDOMNodeId": 305, "browsergym_id": "38e69b12-96fe-4444"}, {"nodeId": "110", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "46", "childIds": [], "backendDOMNodeId": 307}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 310}, {"nodeId": "112", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 313}, {"nodeId": "113", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "49", "childIds": ["179"], "backendDOMNodeId": 316, "browsergym_id": "7c27a525-7934-4066"}, {"nodeId": "114", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "50", "childIds": [], "backendDOMNodeId": 320}, {"nodeId": "115", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "51", "childIds": ["180"], "backendDOMNodeId": 323, "browsergym_id": "0f28dc34-f8f2-444f"}, {"nodeId": "116", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "52", "childIds": [], "backendDOMNodeId": 327}, {"nodeId": "117", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "53", "childIds": ["181"], "backendDOMNodeId": 330, "browsergym_id": "c4f9008f-07d2-4461"}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "54", "childIds": [], "backendDOMNodeId": 334}, {"nodeId": "119", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "55", "childIds": ["182"], "backendDOMNodeId": 337, "browsergym_id": "601ddba4-8db2-407f"}, {"nodeId": "120", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "56", "childIds": [], "backendDOMNodeId": 341}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 344}, {"nodeId": "122", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 347}, {"nodeId": "123", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "59", "childIds": ["183"], "backendDOMNodeId": 350, "browsergym_id": "37bec2e4-b709-4a72"}, {"nodeId": "124", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "60", "childIds": [], "backendDOMNodeId": 354}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 357}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "62", "childIds": ["184"], "backendDOMNodeId": 360, "browsergym_id": "5e73e43d-c01a-48ee"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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[{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "35", "childIds": ["173"], "backendDOMNodeId": 263, "browsergym_id": "21e2b639-7d4c-44e9"}, {"nodeId": "98", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "38", "childIds": [], "backendDOMNodeId": 270}, {"nodeId": "99", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 273}, {"nodeId": "100", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 276}, {"nodeId": "101", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "41", "childIds": ["174"], "backendDOMNodeId": 279, "browsergym_id": "f5a8bba5-8934-480d"}, {"nodeId": "102", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "42", "childIds": [], "backendDOMNodeId": 283}, {"nodeId": "103", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "42", "childIds": ["175"], "backendDOMNodeId": 284, "browsergym_id": "bd1955ed-c699-421e"}, {"nodeId": "104", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "42", "childIds": [], "backendDOMNodeId": 286}, {"nodeId": "105", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "43", "childIds": ["176"], "backendDOMNodeId": 289, "browsergym_id": "107eac2c-a5ad-40d8"}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "44", "childIds": [], "backendDOMNodeId": 293}, {"nodeId": "107", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "45", "childIds": ["177"], "backendDOMNodeId": 296, "browsergym_id": "e9b90503-69f9-453f"}, {"nodeId": "108", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "46", "childIds": [], "backendDOMNodeId": 300}, {"nodeId": "109", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "46", "childIds": ["178"], "backendDOMNodeId": 301, "browsergym_id": "38e69b12-96fe-4444"}, {"nodeId": "110", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "46", "childIds": [], "backendDOMNodeId": 303}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 306}, {"nodeId": "112", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 309}, {"nodeId": "113", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "49", "childIds": ["179"], "backendDOMNodeId": 312, "browsergym_id": "7c27a525-7934-4066"}, {"nodeId": "114", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "50", "childIds": [], "backendDOMNodeId": 316}, {"nodeId": "115", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "51", "childIds": ["180"], "backendDOMNodeId": 319, "browsergym_id": "0f28dc34-f8f2-444f"}, {"nodeId": "116", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "52", "childIds": [], "backendDOMNodeId": 323}, {"nodeId": "117", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "53", "childIds": ["181"], "backendDOMNodeId": 326, "browsergym_id": "c4f9008f-07d2-4461"}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "54", "childIds": [], "backendDOMNodeId": 330}, {"nodeId": "119", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "55", "childIds": ["182"], "backendDOMNodeId": 333, "browsergym_id": "601ddba4-8db2-407f"}, {"nodeId": "120", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "56", "childIds": [], "backendDOMNodeId": 337}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 340}, {"nodeId": "122", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 343}, {"nodeId": "123", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "59", "childIds": ["183"], "backendDOMNodeId": 346, "browsergym_id": "37bec2e4-b709-4a72"}, {"nodeId": "124", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "60", "childIds": [], "backendDOMNodeId": 350}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments."}}]}, "properties": [], "parentId": "61", "childIds": [], "backendDOMNodeId": 353}, {"nodeId": "126", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "62", "childIds": ["184"], "backendDOMNodeId": 356, "browsergym_id": "5e73e43d-c01a-48ee"}, {"nodeId": "127", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "63", "childIds": [], "backendDOMNodeId": 360}, {"nodeId": "128", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "64", "childIds": ["185", "186", "187"], "backendDOMNodeId": 364, "browsergym_id": "25aa520d-35ba-434b"}, {"nodeId": "129", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "64", "childIds": ["188", "189", "190"], "backendDOMNodeId": 370, "browsergym_id": "f9b7e0ea-ee29-4477"}, {"nodeId": "130", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "64", "childIds": ["191", "192", "193"], "backendDOMNodeId": 376, "browsergym_id": "dc9455d8-10f4-4779"}, {"nodeId": "131", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "64", "childIds": ["194", "195", "196"], "backendDOMNodeId": 382, "browsergym_id": "8d6bc20d-bad4-46e2"}, {"nodeId": "132", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "64", "childIds": ["197", "198", "199"], "backendDOMNodeId": 388, "browsergym_id": "2c2a6e0f-b01c-41f3"}, {"nodeId": "133", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Real Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Real Interest Rate"}}]}, "properties": [], "parentId": "65", "childIds": [], "backendDOMNodeId": 396}, {"nodeId": "134", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:"}}]}, "properties": [], "parentId": "66", "childIds": [], "backendDOMNodeId": 399}, {"nodeId": "135", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "real rate + inflation = nominal rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "real rate + inflation = nominal rate"}}]}, "properties": [], "parentId": "67", "childIds": [], "backendDOMNodeId": 402}, {"nodeId": "136", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. For more information about or to do calculations involving inflation, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. 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{"type": "computedString", "value": "What is Interest Rate?", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "What is Interest Rate?"}}]}, "properties": [], "parentId": "38", "childIds": [], "backendDOMNodeId": 273}, {"nodeId": "99", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period."}}]}, "properties": [], "parentId": "39", "childIds": [], "backendDOMNodeId": 276}, {"nodeId": "100", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more."}}]}, "properties": [], "parentId": "40", "childIds": [], "backendDOMNodeId": 279}, {"nodeId": "101", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "41", "childIds": ["174"], "backendDOMNodeId": 282, "browsergym_id": "f5a8bba5-8934-480d"}, {"nodeId": "102", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the "}}]}, "properties": [], "parentId": "42", "childIds": [], "backendDOMNodeId": 286}, {"nodeId": "103", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "Compound Interest Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "Compound Interest Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "42", "childIds": ["175"], "backendDOMNodeId": 287, "browsergym_id": "bd1955ed-c699-421e"}, {"nodeId": "104", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "42", "childIds": [], "backendDOMNodeId": 289}, {"nodeId": "105", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "43", "childIds": ["176"], "backendDOMNodeId": 292, "browsergym_id": "107eac2c-a5ad-40d8"}, {"nodeId": "106", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate."}}]}, "properties": [], "parentId": "44", "childIds": [], "backendDOMNodeId": 296}, {"nodeId": "107", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "45", "childIds": ["177"], "backendDOMNodeId": 299, "browsergym_id": "e9b90503-69f9-453f"}, {"nodeId": "108", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the "}}]}, "properties": [], "parentId": "46", "childIds": [], "backendDOMNodeId": 303}, {"nodeId": "109", "ignored": false, "role": {"type": "role", "value": "link"}, "chromeRole": {"type": "internalRole", "value": 110}, "name": {"type": "computedString", "value": "APR Calculator", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "contents", "value": {"type": "computedString", "value": "APR Calculator"}}, {"type": "attribute", "attribute": "title", "superseded": true}]}, "properties": [{"name": "focusable", "value": {"type": "booleanOrUndefined", "value": true}}], "parentId": "46", "childIds": ["178"], "backendDOMNodeId": 304, "browsergym_id": "38e69b12-96fe-4444"}, {"nodeId": "110", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": ".", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "."}}]}, "properties": [], "parentId": "46", "childIds": [], "backendDOMNodeId": 306}, {"nodeId": "111", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Uncontrollable Economic Factors that Affect Interest Rate"}}]}, "properties": [], "parentId": "47", "childIds": [], "backendDOMNodeId": 309}, {"nodeId": "112", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful."}}]}, "properties": [], "parentId": "48", "childIds": [], "backendDOMNodeId": 312}, {"nodeId": "113", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "49", "childIds": ["179"], "backendDOMNodeId": 315, "browsergym_id": "7c27a525-7934-4066"}, {"nodeId": "114", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year)."}}]}, "properties": [], "parentId": "50", "childIds": [], "backendDOMNodeId": 319}, {"nodeId": "115", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "51", "childIds": ["180"], "backendDOMNodeId": 322, "browsergym_id": "0f28dc34-f8f2-444f"}, {"nodeId": "116", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast."}}]}, "properties": [], "parentId": "52", "childIds": [], "backendDOMNodeId": 326}, {"nodeId": "117", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "53", "childIds": ["181"], "backendDOMNodeId": 329, "browsergym_id": "c4f9008f-07d2-4461"}, {"nodeId": "118", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up."}}]}, "properties": [], "parentId": "54", "childIds": [], "backendDOMNodeId": 333}, {"nodeId": "119", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "55", "childIds": ["182"], "backendDOMNodeId": 336, "browsergym_id": "601ddba4-8db2-407f"}, {"nodeId": "120", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time."}}]}, "properties": [], "parentId": "56", "childIds": [], "backendDOMNodeId": 340}, {"nodeId": "121", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Controllable Factors that Determine Interest Rate"}}]}, "properties": [], "parentId": "57", "childIds": [], "backendDOMNodeId": 343}, {"nodeId": "122", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive."}}]}, "properties": [], "parentId": "58", "childIds": [], "backendDOMNodeId": 346}, {"nodeId": "123", "ignored": false, "role": {"type": "role", "value": "generic"}, "chromeRole": {"type": "internalRole", "value": 88}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [], "parentId": "59", "childIds": ["183"], "backendDOMNodeId": 349, "browsergym_id": "37bec2e4-b709-4a72"}, {"nodeId": "124", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700."}}]}, "properties": [], "parentId": "60", "childIds": [], "backendDOMNodeId": 353}, {"nodeId": "125", "ignored": false, "role": {"type": "internalRole", "value": "StaticText"}, "chromeRole": {"type": "internalRole", "value": 158}, "name": {"type": "computedString", "value": "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. 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borrowers receive, there are other considerations they can take note of.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of."}}]}, "properties": [], "parentId": "63", "childIds": [], "backendDOMNodeId": 363}, {"nodeId": "128", "ignored": false, "role": {"type": "role", "value": "listitem"}, "chromeRole": {"type": "internalRole", "value": 115}, "name": {"type": "computedString", "value": "", "sources": [{"type": "relatedElement", "attribute": "aria-labelledby"}, {"type": "attribute", "attribute": "aria-label"}, {"type": "attribute", "attribute": "title"}]}, "properties": [{"name": "level", "value": {"type": "integer", "value": 1}}], "parentId": "64", "childIds": ["185", "186", "187"], "backendDOMNodeId": 367, "browsergym_id": "25aa520d-35ba-434b"}, {"nodeId": "129", 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That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "sources": [{"type": "contents", "value": {"type": "computedString", "value": "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "b26e2903-2e35-4cce", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "35fe603a-af22-4616", "", "860525a5-405e-424e", "", "Simple vs. Compound Interest", "63374bc9-2deb-4995", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "0d0d2ea9-1248-4e74", "", ".", "4851a022-2892-48c0", "", "0d4db5c6-4b51-4e90", "", "Fixed vs. Variable Interest Rates", "7ef1a494-5252-451a", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "9415a8b2-85f3-4530", "", "494ffa3e-139c-4f58", "", "APR", "1b0e3cf9-84fa-42d7", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "9683a186-9b7b-433a", "", "8e563225-fefa-4842", "", "Uncontrollable Economic Factors that Affect Interest Rate", "8857cd7b-3152-4ce7", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "952339d8-f87d-4c18", "", "92de2812-fb8c-4e31", "", "Economic Policy and Inflation", "d4bd4897-7b94-4fa2", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "da530d3e-5974-4255", "", "6ed9c870-a2cc-47b7", "", "Economic Activity", "cddab096-1666-4797", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "08d99978-718a-42f4", "", "5bf12e07-942a-46d6", "", "Unemployment Rate", "72e6cb05-3999-4be9", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "47a13375-9bbe-4366", "", "b7d4da7b-77fc-4e43", "", "Supply and Demand", "8f7da740-ab05-47a2", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "e2f7ad88-3cd3-489e", "", "Controllable Factors that Determine Interest Rate", "3e59435f-e4af-4f53", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "724ddbd6-465a-4994", "", "a543394e-e0b4-4a59", "", "Individual Credit Standing", "956ecd99-4d64-4b63", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "55bf60dc-caba-4f79", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "e0fc16bb-a8d5-43aa", "", "ca3b4eda-16c8-44ec", "", "How to Receive Better Interest Rates", "ff2a5e33-543c-4511", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "e3b3c739-7bd1-4237", "", "LI", "4ccb134f-2c28-4e21", "", "::marker", "\u2022 ", "marker", "1d841a24-5bbd-4b1f", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "c343668c-3acd-4456", "", "422ac615-697c-442b", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "9b007338-1037-47bb", "", "0b69e4ad-5851-457c", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "89f3969f-fd2f-4eec", "", "bc139b63-951e-427c", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "110b172d-2743-4b86", "", "f4e9ae13-8e6c-46a6", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "b6ab2194-5219-43d6", "", "Real Interest Rate", "530163f1-f5ce-4a18", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "3195f2bd-632c-4264", "", "real rate + inflation = nominal rate", "ef6f4350-7075-4b67", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end. As can be seen in this brief example, the interest rate directly affects the total interest paid on any loan. Generally, borrowers want the lowest possible interest rates because it will cost less to borrow; conversely, lenders (or investors) seek high interest rates for larger profits. Interest rates are usually expressed annually, but rates can also be expressed as monthly, daily, or any other period.", "d1c35aa9-5c02-46e0", "", "Interest rates are involved in almost all formal lending and borrowing transactions. Examples of real-world applications of interest rates include mortgage rates, the charge on a person's outstanding debt on a credit card, business loans to fund capital projects, the growth of retirement funds, amortization of long-term assets, the discount offered by a supplier to a buyer for paying off an invoice earlier, and much, much more.", "112030b9-02d5-4497", "", "f5a8bba5-8934-480d", "", "Simple vs. Compound Interest", "5a31a287-5712-4ea9", "", "There are two methods for calculating interest. Simple interest is calculated as a percentage of principal only, while compound interest is calculated as a percentage of the principal along with any accrued interest. As a result of this compounding behavior, interest earned by lenders subsequently earns interest over time. The more frequently interest compounds within a given time period, the more interest will be accrued. Most formal interest payment calculations today are compounded, including those for this calculator, and any following reference to the interest rate will refer to compound interest rather than simple interest unless otherwise specified. To do calculations or learn more about the differences between compounding frequencies, please visit the ", "bd1955ed-c699-421e", "", ".", "98527387-ef85-47f3", "", "107eac2c-a5ad-40d8", "", "Fixed vs. Variable Interest Rates", "2c91a942-dc4d-495d", "", "Fixed rates are rates that are set as a certain percentage for the life of the loan and will not change. Variable rates are interest rates that can fluctuate over time. The degree of variance is generally based on factors such as another interest rate, inflation, or a market index. There are different pros and cons to each, but the Interest Rate Calculator will only display the result as a fixed interest rate.", "dfdc5de7-9680-4116", "", "e9b90503-69f9-453f", "", "APR", "e136690c-69c6-4552", "", "The interest rate for many types of loans is often advertised as an annual percentage rate, or APR. APRs are commonly used within the home or car-buying contexts and are slightly different from typical interest rates in that certain fees can be packaged into them. For instance, administrative fees that are usually due when buying new cars are typically rolled into the financing of the loan instead of paid upfront. APR is a more accurate representation than the interest rate when shopping and comparing similar competing. On the other hand, annual percentage yield (APY) is the interest rate that is earned at a financial institution, usually from a savings account or Certificate of Deposit (in the U.S.). For more information or to do calculations involving APR, please visit the ", "38e69b12-96fe-4444", "", "2b89618e-507d-494d", "", "Uncontrollable Economic Factors that Affect Interest Rate", "66e7c109-e656-4559", "", "There are many factors that affect what interest rates people get on their mortgages and auto loans. Although these largely cannot be controlled, having knowledge of these factors may still be helpful.", "d150075c-2efe-4746", "", "7c27a525-7934-4066", "", "Economic Policy and Inflation", "584e1607-5d7f-4f3a", "", "In most developed countries today, interest rates fluctuate mainly due to monetary policy set by central banks. The control of inflation is the major subject of monetary policies. Inflation is defined as the general increase in the price of goods and services and the fall in the purchasing power of money. It is closely related to interest rates on a macroeconomic level, and large-scale changes in either will have an effect on the other. In the U.S., the Federal Reserve can change the rate at most up to eight times a year during the Federal Open Market Committee meetings. In general, one of their main goals is to maintain steady inflation (several percentage points a year).", "bd6c05f3-21bb-459b", "", "0f28dc34-f8f2-444f", "", "Economic Activity", "f798cd96-33fa-4530", "", "In an economy, as interest rates go down, more businesses and people are inclined to borrow money for business expansion and making expensive purchases such as homes or cars. This will create more jobs, push up salary levels, and boost consumer confidence, and more money will be spent within that economy. On the other hand, if interest rates increase, consumer confidence goes down, and fewer people and businesses are inclined to borrow. Based on this, the central bank uses the interest rate as one of the main tools to control the economy. The central bank typically lowers the interest rate if the economy is slow and increases it if the economy expands too fast.", "43c22783-550b-4a86", "", "c4f9008f-07d2-4461", "", "Unemployment Rate", "ea47303b-0478-4276", "", "When the unemployment rate is high, consumers spend less money, and economic growth slows. However, when the unemployment rate is too low, it may lead to rampant inflation, a fast wage increase, and a high cost of doing business. As a result, interest rates and unemployment rates are normally inversely related; that is, when unemployment is high, interest rates are artificially lowered, usually in order to spur consumer spending. Conversely, when unemployment within an economy is low and there is a lot of consumer activity, interest rates will go up.", "cbf9afef-e095-4a82", "", "601ddba4-8db2-407f", "", "Supply and Demand", "907da0f8-bd35-4191", "", "Similar to the market for goods and services, the market for credit is determined by supply and demand, albeit to a lesser extent. When there exists a surplus of demand for money or credit, lenders react by raising interest rates. When there is less demand for credit or money, they lower rates in order to entice more borrowers. With that said, banks and credit unions still have to adhere to their reserve requirements, and there is a maximum amount that they can lend out at any time.", "f5fed635-0db7-4e1f", "", "Controllable Factors that Determine Interest Rate", "50452d1e-c7f5-429a", "", "While many factors that affect the interest rate are uncontrollable, individuals can, to some degree, affect the interest rates they receive.", "be439991-b5f6-4188", "", "37bec2e4-b709-4a72", "", "Individual Credit Standing", "c499bee0-b0f1-467c", "", "In the U.S., credit scores and credit reports exist to provide information about each borrower so that lenders can assess risk. A credit score is a number between 300 and 850 that represents a borrower's creditworthiness; the higher, the better. Good credit scores are built over time through timely payments, low credit utilization, and many other factors. Credit scores drop when payments are missed or late, credit utilization is high, total debt is high, and bankruptcies are involved. The average credit score in the U.S. is around 700.", "d455db4a-0aa3-4d6d", "", "The higher a borrower's credit score, the more favorable the interest rate they may receive. Anything higher than 750 is considered excellent and will receive the best interest rates. From the perspective of a lender, they are more hesitant to lend to borrowers with low credit scores and/or a history of bankruptcy and missed credit card payments than they would be to borrowers with clean histories of timely mortgage and auto payments. As a result, they will either reject the lending application or charge higher rates to protect themselves from the likelihood that higher-risk borrowers default. For example, a credit card issuer can raise the interest rate on an individual's credit card if they start missing many payments.", "25ec3584-2600-44e8", "", "5e73e43d-c01a-48ee", "", "How to Receive Better Interest Rates", "6d30dfd3-3695-4a1e", "", "Although individual credit standing is one of the most important determinants of the favorability of the interest rates borrowers receive, there are other considerations they can take note of.", "UL", "8c1751e8-02c1-4278", "", "LI", "25aa520d-35ba-434b", "", "::marker", "\u2022 ", "marker", "fa9c9aec-571c-4347", "", "Secured loans", "\u2014Generally speaking, unsecured loans will carry higher interest rates than secured loans, mainly because there is no collateral involved. That is, if the borrower defaults, the lender is legally entitled to ownership of the collateral. Borrowers seeking more favorable interest rates can consider putting up collateral for a secured loan instead.", "f9b7e0ea-ee29-4477", "", "e840beaa-035f-4443", "", "Loan specifics", "\u2014Longer repayment terms can increase the interest rate because it is riskier for lenders. In addition, making too low a down payment (which is also seen as risky) can result in the borrower receiving a higher interest rate. Choosing a shorter loan term and putting more money down can lower the interest rate a borrower is subject to.", "dc9455d8-10f4-4779", "", "6489f430-8d44-4ed8", "", "Do not apply for credit too often", "\u2014Too many inquiries on a credit report tell a lender that a borrower may have trouble attaining credit, which is a sign of a high-risk borrower. A single inquiry can deduct a few points off a credit score!", "8d6bc20d-bad4-46e2", "", "82a623a2-78bc-4d66", "", "Borrow at opportune moments", "\u2014While borrowers have no control over economic factors, they can choose to borrow during times when economic factors are more favorable. When the economy is slow and demand for loans is low, it is possible to find lower interest rates.", "2c2a6e0f-b01c-41f3", "", "ff663e90-92e8-421a", "", "Research and shop around", "\u2014Different lenders have different rates. Borrowers may be able to find a lower interest rate by shopping around rather than accepting the first loan offered. It is possible to reveal to each lender that another is offering a better rate as a negotiation tactic. While getting a good rate is important, be careful about specific conditions and any additional costs.", "24ed4de0-9497-4cf2", "", "Real Interest Rate", "b8c069ec-f3e7-4707", "", "The relationship between real interest rate, inflation, and the nominal rate is shown by the following equation:", "f02b2907-4380-4238", "", "real rate + inflation = nominal rate", "63b29651-b7b0-4b43", "", "In this equation, the nominal rate is generally the figure being discussed when the \"interest rate\" is mentioned. The nominal rate is the sum of the general level of inflation and the real rate of interest that is being applied. 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= {u: u,w: function() {document.write(' + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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How Newton's Laws of Motion Work

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+ By: William Harris +  |  + +
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+ Isaac Newton established classical mechanics, with his three laws on motion. He also formulated the theory of gravity, among his many other contributions to science and mathematics. Bettmann/Getty Images +
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Next to E = mc², F = ma is the most famous equation in all of physics. Yet many people remain mystified by this fairly simple algebraic expression. It's actually a mathematical representation of Isaac Newton's second law of motion, one of the great scientist's most important contributions. The "second" implies that other laws exist, and, luckily for students and trivia hounds everywhere, there are only two additional laws of motion. Here they are:

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  1. Every object persists in its state of rest or uniform motion — in a straight line unless it is compelled to change that state by forces impressed on it.
  2. Force is equal to the change in momentum per change in time. For a constant mass, force equals mass times acceleration.
  3. For every action, there is an equal and opposite reaction.
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These three laws form the foundation of what is known as classical mechanics, or the science concerned with the motion of bodies related to the forces acting on it. The bodies in motion could be large objects, such as orbiting moons or planets, or they could be ordinary objects on Earth's surface, such as moving vehicles or speeding bullets. Even bodies at rest are fair game.

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Where classical mechanics begins to fall apart is when it tries to describe the motion of very small bodies, such as electrons. Physicists had to create a new paradigm, known as quantum mechanics, to describe the behavior of objects at the atomic and subatomic level.

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But quantum mechanics is beyond the scope of this article. Our focus will be classical mechanics and Newton's three laws. We'll examine each in detail, both from a theoretical and a practical point of view. We'll also discuss the history of Newton's laws, because how he arrived at his conclusions is just as important as the conclusions themselves. The best place to start, of course, is at the beginning with Newton's first law.

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+ + + + + + + + Newton's First Law (Law of Inertia) + + +

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+ According to Newton's first law, the marble on that bottom ramp should just keep going. And going. +
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Let's restate Newton's first law in everyday terms:

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An object at rest will stay at rest, forever, as long as nothing pushes or pulls on it. An object in motion will stay in motion, traveling in a straight line, forever, until a net external force pushes or pulls on it.
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The "forever" part is difficult to swallow sometimes. But imagine that you have three ramps set up as shown below. Also imagine that the ramps are infinitely long and infinitely smooth. You let a marble roll down the first ramp, which is set at a slight incline. The marble speeds up on its way down the ramp.

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Now, you give a gentle push to the marble going uphill on the second ramp. It slows down as it goes up. Finally, you push a marble on a ramp that represents the middle state between the first two — in other words, a ramp that is perfectly horizontal. In this case, the marble will neither slow down nor speed up. In fact, it should keep rolling. Forever.

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Physicists use the term inertia to describe this tendency of an object to resist a change in its motion. The Latin root for inertia is the same root for "inert," which means lacking the ability to move. So, you can see how scientists came up with the word. What's more amazing is that they came up with the concept. Inertia isn't an immediately apparent physical property, such as length or volume. It is, however, related to an object's mass. To understand how, consider the sumo wrestler and the boy shown below.

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+ Which person in this ring will be harder to move? The sumo wrestler or the little boy? +
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Let's say the wrestler on the left has a mass of 136 kilograms, and the boy on the right has a mass of 30 kilograms (scientists measure mass in kilograms). Remember the object of sumo wrestling is to move your opponent from his position. Which person in our example would be easier to move? Common sense tells you that the boy would be easier to move, or less resistant to inertia.

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You experience inertia in a moving car all the time. In fact, seat belts exist in cars specifically to counteract the effects of inertia. Imagine for a moment that a car at a test track is traveling at a speed of 55 mph (80 kph). Now imagine that a crash test dummy is inside that car, riding in the front seat. If the car slams into a wall, the dummy flies forward into the dashboard.

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Why? Because, according to Newton's first law, an object in motion will remain in motion until an outside force acts on it. When the car hits the wall, the dummy keeps moving in a straight line and at a constant speed until the dashboard applies a force. Seatbelts hold dummies (and passengers) down, protecting them from their own inertia.

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Interestingly, Newton wasn't the first scientist to come up with the law of inertia. That honor goes to Galileo and to René Descartes. In fact, the marble-and-ramp thought experiment described previously is credited to Galileo. Newton owed much to events and people who preceded him. Before we continue with his other two laws, let's review some of the important history that informed them.

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+ + + + + + + + A Brief History of Newton's Laws + + +

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+ This illustration shows the Copernican world system. Nicolaus Copernicus was the first to propose that Earth revolved around the sun rather than the other way around. Stefano Bianchetti/CORBIS/Corbis via Getty Images +
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The Greek philosopher Aristotle dominated scientific thinking for many years. His views on motion were widely accepted because they seemed to support what people observed in nature. For example, Aristotle thought that weight affected falling objects. A heavier object, he argued, would reach the ground faster than a lighter object dropped at the same time from the same height. He also rejected the notion of inertia, asserting instead that a force must be constantly applied to keep something moving. Both of these concepts were wrong, but it would take many years — and several daring thinkers — to overturn them.

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The first big blow to Aristotle's ideas came in the 16th century when Nicolaus Copernicus published his sun-centered model of the universe. Aristotle theorized that the sun, the moon and the planets all revolved around Earth on a set of celestial spheres. Copernicus proposed that the planets of the solar system revolved around the sun, not Earth. Although not a topic of mechanics per se, the heliocentric cosmology described by Copernicus revealed the vulnerability of Aristotle's science.

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Galileo Galilei was the next to challenge the Greek philosopher's ideas. Galileo conducted two now-classic experiments that set the tone and tenor for all scientific work that would follow. In the first experiment, he dropped a cannonball and a musket ball from the Leaning Tower of Pisa. Aristotelian theory predicted that the cannonball, much more massive, would fall faster and hit the ground first. But Galileo found that the two objects fell at the same rate and struck the ground roughly at the same time.

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Some historians question whether Galileo ever carried out the Pisa experiment, but he followed it with a second phase of work that has been well-documented. These experiments involved bronze balls of various sizes rolling down an inclined wood plane. Galileo recorded how far a ball would roll in each one-second interval. He found that the size of the ball didn't matter — the rate of its descent along the ramp remained constant. From this, he concluded that freely falling objects experience uniform acceleration regardless of mass, as long as extraneous forces, such as air resistance and friction, can be minimized.

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But it was René Descartes, the great French philosopher, who would add new depth and dimension to inertial motion. In his "Principles of Philosophy," Descartes proposed three laws of nature. The first law states that each thing, as far as is in its power, always remains in the same state; and that consequently, when it is once moved, it always continues to move. The second holds that all movement is, of itself, along straight lines. This is Newton's first law, clearly stated in a book published in 1644 — when Newton was still a newborn!

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Clearly, Isaac Newton studied Descartes. He put that studying to good use as he single-handedly launched the modern era of scientific thinking. Newton's work in mathematics resulted in integral and differential calculus. His work in optics led to the first reflecting telescope. And yet his most famous contribution came in the form of three relatively simple laws that could be used, with great predictive power, to describe the motion of objects on Earth and in the heavens. The first of these laws came directly from Descartes, but the remaining two belong to Newton alone.

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He described all three in "The Mathematical Principles of Natural Philosophy," or the Principia, which was published in 1687. Today, the Principia remains one of the most influential books in the history of human existence. Much of its importance lies within the elegantly simple second law, F = ma, which is the topic of the next section.

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+ + + + + + + + Newton's Second Law (Law of Motion) + + +

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+ If you want to calculate the acceleration, first you need to modify the force equation to get a = F/m. When you plug in the numbers for force (100 N) and mass (50 kilograms), you find that the acceleration is 2 m/s2. +
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You may be surprised to learn that Newton wasn't the genius behind the law of inertia. But Newton himself wrote that he was able to see so far only because he stood on "the shoulders of Giants." And see far he did. Although the law of inertia identified forces as the actions required to stop or start motion, it didn't quantify those forces. Newton's second law supplied the missing link by relating force to acceleration. This is what it said:

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When a force acts on an object, the object accelerates in the direction of the force. If the mass of an object is held constant, increasing force will increase acceleration. If the force on an object remains constant, increasing mass will decrease acceleration. In other words, force and acceleration are directly proportional, while mass and acceleration are inversely proportional.
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Technically, Newton equated force to the differential change in momentum per unit time. Momentum is a characteristic of a moving body determined by the product of the body's mass and velocity. To determine the differential change in momentum per unit time, Newton developed a new type of math — differential calculus. His original equation looked something like this:

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F = (m)(Δv/Δt)

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where the delta symbols signify change. Because acceleration is defined as the instantaneous change in velocity in an instant of time (Δv/Δt), the equation is often rewritten as:

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F = ma

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The F, the m and the a in Newton's formula are very important concepts in mechanics. The F is force, a push or pull exerted on an object. The m is mass, a measure of how much matter is in an object. And the a is acceleration, which describes how an object's velocity changes over time. Velocity, which is similar to speed, is the distance an object travels in a certain amount of time.

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The equation form of Newton's second law allows us to specify a unit of measurement for force. Because the standard unit of mass is the kilogram (kg) and the standard unit of acceleration is meters per second squared (m/s2), the unit for force must be a product of the two — (kg)(m/s2). This is a little awkward, so scientists decided to use a Newton as the official unit of force. One Newton, or N, is equivalent to 1 kilogram-meter per second squared. There are 4.448 N in 1 pound.

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+ + + + + + + + + + + Dog pulling a sled, illustrating the f = ma equation + + + + + + + + +
+ Notice that doubling the force by adding another dog doubles the acceleration. +
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So, what can you do with Newton's second law? As it turns out, F = ma lets you quantify motion of every variety. Let's say, for example, you want to calculate the acceleration of the dog sled shown at left.

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Now let's say that the mass of the sled stays at 50 kilograms and that another dog is added to the team. If we assume the second dog pulls with equal force to the first (100 N), the total force would be 200 N and the acceleration would be 4 m/s2. However, doubling the mass to 100 kilograms would halve the acceleration to 2 m/s2.

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+ + + + + + + + + + + Four dogs pulling a sled, illustrating the f = ma equation + + + + + + + + +
+ If two dogs are on each side, then the total force pulling to the left (200 N) balances the total force pulling to the right (200 N). Since the net force on the sled is zero, the sled doesn't move. +
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Finally, let's imagine that a second dog team is attached to the sled so that it can pull in the opposite direction.

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This is important because Newton's second law is concerned with net forces. We could rewrite the law to say: When a net force acts on an object, the object accelerates in the direction of the net force.

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Now imagine that one of the dogs on the left breaks free and runs away. Suddenly, the force pulling to the right is larger than the force pulling to the left, so the sled accelerates to the right.

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What's not so obvious in our examples is that the sled is also applying a force on the dogs. In other words, all forces act in pairs. This is Newton's third law — and the topic of the next section.

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+ Katinka Hosszu of Hungary pushes off at the start of the women's 50 meter backstroke race during the FINA Swimming World Cup in Dubai, 2013. That's one heck of a force! MARWAN NAAMANI/AFP via Getty Images +
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Newton's third law is probably the most familiar. Everyone knows that every action has an equal and opposite reaction, right? Unfortunately, this statement lacks some necessary detail. This is a better way to say it:

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A force is exerted by one object on another object. In other words, every force involves the interaction of two objects. When one object exerts a force on a second object, the second object also exerts a force on the first object. The two forces are equal in strength and oriented in opposite directions.
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Many people have trouble visualizing this law because it's not as intuitive. In fact, the best way to discuss the law of force pairs is by presenting examples. Let's start by considering a swimmer facing the wall of a pool. If she places her feet on the wall and pushes hard, what happens? She shoots backward, away from the wall.

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Clearly, the swimmer is applying a force to the wall, but her motion indicates that a force is being applied to her, too. This force comes from the wall, and it's equal in magnitude and opposite in direction.

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Next, think about a book lying on a table. What forces are acting on it? One big force is Earth's gravity. In fact, the book's weight is a measurement of Earth's gravitational attraction. So, if we say the book weighs 10 N, what we're really saying is that Earth is applying a force of 10 N on the book. The force is directed straight down, toward the center of the planet. Despite this force, the book remains motionless, which can only mean one thing: There must be another force, equal to 10 N, pushing upward. That equal and opposite force is coming from the table.

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If you're catching on to Newton's third law, you should have noticed another force pair described in the paragraph above. Earth is applying a force on the book, so the book must be applying a force on Earth. Is that possible? Yes, it is, but the book is so small that it cannot appreciably accelerate something as large as a planet.

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You see something similar, although on a much smaller scale, when a baseball bat strikes a ball. There's no doubt the bat applies a force to the ball: It accelerates rapidly after being struck. But the ball must also be applying a force to the bat. The mass of the ball, however, is small compared to the mass of the bat, which includes the batter attached to the end of it. Still, if you've ever seen a wooden baseball bat break into pieces as it strikes a ball, then you've seen firsthand evidence of the ball's force.

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These examples don't show a practical application of Newton's third law. Is there a way to put force pairs to good use? Jet propulsion is one application. Used by animals such as squid and octopuses, as well as by certain airplanes and rockets, jet propulsion involves forcing a substance through an opening at high speed. In squid and octopuses, the substance is seawater, which is sucked in through the mantle and ejected through a siphon. Because the animal exerts a force on the water jet, the water jet exerts a force on the animal, causing it to move. A similar principle is at work in turbine-equipped jet planes and rockets in space.

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Speaking of outer space, Newton's other laws apply there, too. By using his laws to analyze the motion of planets in space, Newton was able to come up with a universal law of gravitation.

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+ Earth rises above the moonscape. Newton reasoned that the moon moves around Earth in the same way that a stone whirls around the end of a string. xia yuan/Getty Images +
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By themselves, the three laws of motion are a crowning achievement, but Newton didn't stop there. He took those ideas and applied them to a problem that had stumped scientists for years: the motion of planets. Copernicus placed the sun at the center of a family of orbiting planets and moons, while the German astronomer Johannes Kepler proved that the shape of planetary orbits was elliptical, not circular. But no one had been able to explain the mechanics behind this motion. Then, as the story goes, Newton saw an apple fall to the ground and was seized by inspiration. Could a falling apple be related to a revolving planet or moon? Newton believed so. This was his thought process to prove it:

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  1. An apple falling to the ground must be under the influence of a force, according to his second law. That force is gravity, which causes the apple to accelerate toward Earth's center.
  2. Newton reasoned that the moon might be under the influence of Earth's gravity, as well, but he had to explain why the moon didn't fall into Earth. Unlike the falling apple, it moved parallel to Earth's surface.
  3. What if, he wondered, the moon moved about Earth in the same way as a stone whirled around at the end of a string? If the holder of the string let go — and therefore stopped applying a force — the stone would obey the law of inertia and continue traveling in a straight line, like a tangent extending from the circumference of the circle.
  4. But if the holder of the string didn't let go, the stone would travel in a circular path, like the face of a clock. In one instant, the stone would be at 12 o'clock. In the next, it would be at 3 o'clock. A force is required to pull the stone inward so it continues its circular path or orbit. The force comes from the holder of the string.
  5. Next, Newton reasoned that the moon orbiting Earth was the same as the stone whirling around on its string. Earth behaved as the holder of the string, exerting an inward-directed force on the moon. This force was balanced by the moon's inertia, which tried to keep the moon moving in a straight-line tangent to the circular path.
  6. Finally, Newton extended this line of reasoning to any of the planets revolving around the sun. Each planet has inertial motion balanced by a gravitational attraction coming from the center of the sun.
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It was a stunning insight — one that eventually led to the universal law of gravitation. According to this law, any two objects in the universe attract each other with a force that depends on two things: the masses of the interacting objects and the distance between them. More massive objects have bigger gravitational attractions. Distance diminishes this attraction. Newton expressed this mathematically in this equation:

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F = G(m1m2/r2)

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where F is the force of gravity between masses m1 and m2, G is a universal constant and r is the distance between the centers of both masses.

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Over the years, scientists in just about every discipline have tested Newton's laws of motion and found them to be amazingly predictive and reliable. But there are two instances where Newtonian physics break down. The first involves objects traveling at or near the speed of light. The second problem comes when Newton's laws are applied to very small objects, such as atoms or subatomic particles that fall in the realm of quantum mechanics.

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Originally Published: Jul 29, 2008

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How Newton's Laws of Motion Work

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+ By: William Harris +  |  + +
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+ Isaac Newton established classical mechanics, with his three laws on motion. He also formulated the theory of gravity, among his many other contributions to science and mathematics. Bettmann/Getty Images +
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Next to E = mc², F = ma is the most famous equation in all of physics. Yet many people remain mystified by this fairly simple algebraic expression. It's actually a mathematical representation of Isaac Newton's second law of motion, one of the great scientist's most important contributions. The "second" implies that other laws exist, and, luckily for students and trivia hounds everywhere, there are only two additional laws of motion. Here they are:

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  1. Every object persists in its state of rest or uniform motion — in a straight line unless it is compelled to change that state by forces impressed on it.
  2. Force is equal to the change in momentum per change in time. For a constant mass, force equals mass times acceleration.
  3. For every action, there is an equal and opposite reaction.
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These three laws form the foundation of what is known as classical mechanics, or the science concerned with the motion of bodies related to the forces acting on it. The bodies in motion could be large objects, such as orbiting moons or planets, or they could be ordinary objects on Earth's surface, such as moving vehicles or speeding bullets. Even bodies at rest are fair game.

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Where classical mechanics begins to fall apart is when it tries to describe the motion of very small bodies, such as electrons. Physicists had to create a new paradigm, known as quantum mechanics, to describe the behavior of objects at the atomic and subatomic level.

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But quantum mechanics is beyond the scope of this article. Our focus will be classical mechanics and Newton's three laws. We'll examine each in detail, both from a theoretical and a practical point of view. We'll also discuss the history of Newton's laws, because how he arrived at his conclusions is just as important as the conclusions themselves. The best place to start, of course, is at the beginning with Newton's first law.

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+ According to Newton's first law, the marble on that bottom ramp should just keep going. And going. +
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Let's restate Newton's first law in everyday terms:

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An object at rest will stay at rest, forever, as long as nothing pushes or pulls on it. An object in motion will stay in motion, traveling in a straight line, forever, until a net external force pushes or pulls on it.
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The "forever" part is difficult to swallow sometimes. But imagine that you have three ramps set up as shown below. Also imagine that the ramps are infinitely long and infinitely smooth. You let a marble roll down the first ramp, which is set at a slight incline. The marble speeds up on its way down the ramp.

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Now, you give a gentle push to the marble going uphill on the second ramp. It slows down as it goes up. Finally, you push a marble on a ramp that represents the middle state between the first two — in other words, a ramp that is perfectly horizontal. In this case, the marble will neither slow down nor speed up. In fact, it should keep rolling. Forever.

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Physicists use the term inertia to describe this tendency of an object to resist a change in its motion. The Latin root for inertia is the same root for "inert," which means lacking the ability to move. So, you can see how scientists came up with the word. What's more amazing is that they came up with the concept. Inertia isn't an immediately apparent physical property, such as length or volume. It is, however, related to an object's mass. To understand how, consider the sumo wrestler and the boy shown below.

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+ Which person in this ring will be harder to move? The sumo wrestler or the little boy? +
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Let's say the wrestler on the left has a mass of 136 kilograms, and the boy on the right has a mass of 30 kilograms (scientists measure mass in kilograms). Remember the object of sumo wrestling is to move your opponent from his position. Which person in our example would be easier to move? Common sense tells you that the boy would be easier to move, or less resistant to inertia.

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You experience inertia in a moving car all the time. In fact, seat belts exist in cars specifically to counteract the effects of inertia. Imagine for a moment that a car at a test track is traveling at a speed of 55 mph (80 kph). Now imagine that a crash test dummy is inside that car, riding in the front seat. If the car slams into a wall, the dummy flies forward into the dashboard.

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Why? Because, according to Newton's first law, an object in motion will remain in motion until an outside force acts on it. When the car hits the wall, the dummy keeps moving in a straight line and at a constant speed until the dashboard applies a force. Seatbelts hold dummies (and passengers) down, protecting them from their own inertia.

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Interestingly, Newton wasn't the first scientist to come up with the law of inertia. That honor goes to Galileo and to René Descartes. In fact, the marble-and-ramp thought experiment described previously is credited to Galileo. Newton owed much to events and people who preceded him. Before we continue with his other two laws, let's review some of the important history that informed them.

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The Greek philosopher Aristotle dominated scientific thinking for many years. His views on motion were widely accepted because they seemed to support what people observed in nature. For example, Aristotle thought that weight affected falling objects. A heavier object, he argued, would reach the ground faster than a lighter object dropped at the same time from the same height. He also rejected the notion of inertia, asserting instead that a force must be constantly applied to keep something moving. Both of these concepts were wrong, but it would take many years — and several daring thinkers — to overturn them.

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The first big blow to Aristotle's ideas came in the 16th century when Nicolaus Copernicus published his sun-centered model of the universe. Aristotle theorized that the sun, the moon and the planets all revolved around Earth on a set of celestial spheres. Copernicus proposed that the planets of the solar system revolved around the sun, not Earth. Although not a topic of mechanics per se, the heliocentric cosmology described by Copernicus revealed the vulnerability of Aristotle's science.

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Galileo Galilei was the next to challenge the Greek philosopher's ideas. Galileo conducted two now-classic experiments that set the tone and tenor for all scientific work that would follow. In the first experiment, he dropped a cannonball and a musket ball from the Leaning Tower of Pisa. Aristotelian theory predicted that the cannonball, much more massive, would fall faster and hit the ground first. But Galileo found that the two objects fell at the same rate and struck the ground roughly at the same time.

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Some historians question whether Galileo ever carried out the Pisa experiment, but he followed it with a second phase of work that has been well-documented. These experiments involved bronze balls of various sizes rolling down an inclined wood plane. Galileo recorded how far a ball would roll in each one-second interval. He found that the size of the ball didn't matter — the rate of its descent along the ramp remained constant. From this, he concluded that freely falling objects experience uniform acceleration regardless of mass, as long as extraneous forces, such as air resistance and friction, can be minimized.

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But it was René Descartes, the great French philosopher, who would add new depth and dimension to inertial motion. In his "Principles of Philosophy," Descartes proposed three laws of nature. The first law states that each thing, as far as is in its power, always remains in the same state; and that consequently, when it is once moved, it always continues to move. The second holds that all movement is, of itself, along straight lines. This is Newton's first law, clearly stated in a book published in 1644 — when Newton was still a newborn!

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Clearly, Isaac Newton studied Descartes. He put that studying to good use as he single-handedly launched the modern era of scientific thinking. Newton's work in mathematics resulted in integral and differential calculus. His work in optics led to the first reflecting telescope. And yet his most famous contribution came in the form of three relatively simple laws that could be used, with great predictive power, to describe the motion of objects on Earth and in the heavens. The first of these laws came directly from Descartes, but the remaining two belong to Newton alone.

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He described all three in "The Mathematical Principles of Natural Philosophy," or the Principia, which was published in 1687. Today, the Principia remains one of the most influential books in the history of human existence. Much of its importance lies within the elegantly simple second law, F = ma, which is the topic of the next section.

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+ If you want to calculate the acceleration, first you need to modify the force equation to get a = F/m. When you plug in the numbers for force (100 N) and mass (50 kilograms), you find that the acceleration is 2 m/s2. +
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You may be surprised to learn that Newton wasn't the genius behind the law of inertia. But Newton himself wrote that he was able to see so far only because he stood on "the shoulders of Giants." And see far he did. Although the law of inertia identified forces as the actions required to stop or start motion, it didn't quantify those forces. Newton's second law supplied the missing link by relating force to acceleration. This is what it said:

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When a force acts on an object, the object accelerates in the direction of the force. If the mass of an object is held constant, increasing force will increase acceleration. If the force on an object remains constant, increasing mass will decrease acceleration. In other words, force and acceleration are directly proportional, while mass and acceleration are inversely proportional.
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Technically, Newton equated force to the differential change in momentum per unit time. Momentum is a characteristic of a moving body determined by the product of the body's mass and velocity. To determine the differential change in momentum per unit time, Newton developed a new type of math — differential calculus. His original equation looked something like this:

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F = (m)(Δv/Δt)

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where the delta symbols signify change. Because acceleration is defined as the instantaneous change in velocity in an instant of time (Δv/Δt), the equation is often rewritten as:

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F = ma

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The F, the m and the a in Newton's formula are very important concepts in mechanics. The F is force, a push or pull exerted on an object. The m is mass, a measure of how much matter is in an object. And the a is acceleration, which describes how an object's velocity changes over time. Velocity, which is similar to speed, is the distance an object travels in a certain amount of time.

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The equation form of Newton's second law allows us to specify a unit of measurement for force. Because the standard unit of mass is the kilogram (kg) and the standard unit of acceleration is meters per second squared (m/s2), the unit for force must be a product of the two — (kg)(m/s2). This is a little awkward, so scientists decided to use a Newton as the official unit of force. One Newton, or N, is equivalent to 1 kilogram-meter per second squared. There are 4.448 N in 1 pound.

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+ Notice that doubling the force by adding another dog doubles the acceleration. +
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So, what can you do with Newton's second law? As it turns out, F = ma lets you quantify motion of every variety. Let's say, for example, you want to calculate the acceleration of the dog sled shown at left.

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Now let's say that the mass of the sled stays at 50 kilograms and that another dog is added to the team. If we assume the second dog pulls with equal force to the first (100 N), the total force would be 200 N and the acceleration would be 4 m/s2. However, doubling the mass to 100 kilograms would halve the acceleration to 2 m/s2.

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+ + + + + + + + + + + Four dogs pulling a sled, illustrating the f = ma equation + + + + + + + + +
+ If two dogs are on each side, then the total force pulling to the left (200 N) balances the total force pulling to the right (200 N). Since the net force on the sled is zero, the sled doesn't move. +
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Finally, let's imagine that a second dog team is attached to the sled so that it can pull in the opposite direction.

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This is important because Newton's second law is concerned with net forces. We could rewrite the law to say: When a net force acts on an object, the object accelerates in the direction of the net force.

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Now imagine that one of the dogs on the left breaks free and runs away. Suddenly, the force pulling to the right is larger than the force pulling to the left, so the sled accelerates to the right.

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What's not so obvious in our examples is that the sled is also applying a force on the dogs. In other words, all forces act in pairs. This is Newton's third law — and the topic of the next section.

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+ Katinka Hosszu of Hungary pushes off at the start of the women's 50 meter backstroke race during the FINA Swimming World Cup in Dubai, 2013. That's one heck of a force! MARWAN NAAMANI/AFP via Getty Images +
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Newton's third law is probably the most familiar. Everyone knows that every action has an equal and opposite reaction, right? Unfortunately, this statement lacks some necessary detail. This is a better way to say it:

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A force is exerted by one object on another object. In other words, every force involves the interaction of two objects. When one object exerts a force on a second object, the second object also exerts a force on the first object. The two forces are equal in strength and oriented in opposite directions.
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Many people have trouble visualizing this law because it's not as intuitive. In fact, the best way to discuss the law of force pairs is by presenting examples. Let's start by considering a swimmer facing the wall of a pool. If she places her feet on the wall and pushes hard, what happens? She shoots backward, away from the wall.

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Clearly, the swimmer is applying a force to the wall, but her motion indicates that a force is being applied to her, too. This force comes from the wall, and it's equal in magnitude and opposite in direction.

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Next, think about a book lying on a table. What forces are acting on it? One big force is Earth's gravity. In fact, the book's weight is a measurement of Earth's gravitational attraction. So, if we say the book weighs 10 N, what we're really saying is that Earth is applying a force of 10 N on the book. The force is directed straight down, toward the center of the planet. Despite this force, the book remains motionless, which can only mean one thing: There must be another force, equal to 10 N, pushing upward. That equal and opposite force is coming from the table.

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If you're catching on to Newton's third law, you should have noticed another force pair described in the paragraph above. Earth is applying a force on the book, so the book must be applying a force on Earth. Is that possible? Yes, it is, but the book is so small that it cannot appreciably accelerate something as large as a planet.

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You see something similar, although on a much smaller scale, when a baseball bat strikes a ball. There's no doubt the bat applies a force to the ball: It accelerates rapidly after being struck. But the ball must also be applying a force to the bat. The mass of the ball, however, is small compared to the mass of the bat, which includes the batter attached to the end of it. Still, if you've ever seen a wooden baseball bat break into pieces as it strikes a ball, then you've seen firsthand evidence of the ball's force.

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These examples don't show a practical application of Newton's third law. Is there a way to put force pairs to good use? Jet propulsion is one application. Used by animals such as squid and octopuses, as well as by certain airplanes and rockets, jet propulsion involves forcing a substance through an opening at high speed. In squid and octopuses, the substance is seawater, which is sucked in through the mantle and ejected through a siphon. Because the animal exerts a force on the water jet, the water jet exerts a force on the animal, causing it to move. A similar principle is at work in turbine-equipped jet planes and rockets in space.

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Speaking of outer space, Newton's other laws apply there, too. By using his laws to analyze the motion of planets in space, Newton was able to come up with a universal law of gravitation.

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+ Earth rises above the moonscape. Newton reasoned that the moon moves around Earth in the same way that a stone whirls around the end of a string. xia yuan/Getty Images +
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By themselves, the three laws of motion are a crowning achievement, but Newton didn't stop there. He took those ideas and applied them to a problem that had stumped scientists for years: the motion of planets. Copernicus placed the sun at the center of a family of orbiting planets and moons, while the German astronomer Johannes Kepler proved that the shape of planetary orbits was elliptical, not circular. But no one had been able to explain the mechanics behind this motion. Then, as the story goes, Newton saw an apple fall to the ground and was seized by inspiration. Could a falling apple be related to a revolving planet or moon? Newton believed so. This was his thought process to prove it:

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  1. An apple falling to the ground must be under the influence of a force, according to his second law. That force is gravity, which causes the apple to accelerate toward Earth's center.
  2. Newton reasoned that the moon might be under the influence of Earth's gravity, as well, but he had to explain why the moon didn't fall into Earth. Unlike the falling apple, it moved parallel to Earth's surface.
  3. What if, he wondered, the moon moved about Earth in the same way as a stone whirled around at the end of a string? If the holder of the string let go — and therefore stopped applying a force — the stone would obey the law of inertia and continue traveling in a straight line, like a tangent extending from the circumference of the circle.
  4. But if the holder of the string didn't let go, the stone would travel in a circular path, like the face of a clock. In one instant, the stone would be at 12 o'clock. In the next, it would be at 3 o'clock. A force is required to pull the stone inward so it continues its circular path or orbit. The force comes from the holder of the string.
  5. Next, Newton reasoned that the moon orbiting Earth was the same as the stone whirling around on its string. Earth behaved as the holder of the string, exerting an inward-directed force on the moon. This force was balanced by the moon's inertia, which tried to keep the moon moving in a straight-line tangent to the circular path.
  6. Finally, Newton extended this line of reasoning to any of the planets revolving around the sun. Each planet has inertial motion balanced by a gravitational attraction coming from the center of the sun.
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It was a stunning insight — one that eventually led to the universal law of gravitation. According to this law, any two objects in the universe attract each other with a force that depends on two things: the masses of the interacting objects and the distance between them. More massive objects have bigger gravitational attractions. Distance diminishes this attraction. Newton expressed this mathematically in this equation:

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F = G(m1m2/r2)

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where F is the force of gravity between masses m1 and m2, G is a universal constant and r is the distance between the centers of both masses.

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Over the years, scientists in just about every discipline have tested Newton's laws of motion and found them to be amazingly predictive and reliable. But there are two instances where Newtonian physics break down. The first involves objects traveling at or near the speed of light. The second problem comes when Newton's laws are applied to very small objects, such as atoms or subatomic particles that fall in the realm of quantum mechanics.

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Originally Published: Jul 29, 2008

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