{"id":7590,"date":"2025-02-22T10:49:21","date_gmt":"2025-02-22T10:49:21","guid":{"rendered":"https:\/\/globalinvestsummit.com\/?p=7590"},"modified":"2025-02-22T10:49:21","modified_gmt":"2025-02-22T10:49:21","slug":"proc-banky-snizuji-uroky-na-vkladech-rychleji-nez-sazby-hypotek","status":"publish","type":"post","link":"https:\/\/globalinvestsummit.com\/en\/proc-banky-snizuji-uroky-na-vkladech-rychleji-nez-sazby-hypotek\/","title":{"rendered":"Banks are cutting interest rates on deposits faster than mortgage rates because it helps them maintain their profit margins. When interest rates rise, banks typically increase the rates they charge on loans, like mortgages, but they are slower to increase the rates they pay on deposits. This is because they can pass on higher borrowing costs to new borrowers more quickly than they can raise rates for existing savers. Additionally, banks often have a captive audience for their deposit accounts, meaning customers may be less likely to switch banks for a slightly higher interest rate. This allows banks to offer lower deposit rates while still attracting funds, thus improving their profitability."},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1700116340698 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner vc_custom_1717000966002\"><div class=\"wpb_wrapper\"><div class =\"genesisexpo_module_text\" style=\"font-size:30px;line-height:40px;\">\n<div class=\"genesisexpo_module_text\">\n<h3 style=\"text-align: center;\">Banks are cutting interest rates on deposits faster than mortgage rates because it helps them maintain their profit margins. When interest rates rise, banks typically increase the rates they charge on loans, like mortgages, but they are slower to increase the rates they pay on deposits. This is because they can pass on higher borrowing costs to new borrowers more quickly than they can raise rates for existing savers. Additionally, banks often have a captive audience for their deposit accounts, meaning customers may be less likely to switch banks for a slightly higher interest rate. This allows banks to offer lower deposit rates while still attracting funds, thus improving their profitability.<\/h3>\n<\/div>\n<div class=\"genesisexpo_module_text wfont\">\n<p style=\"text-align: center; font-size: 18px;\"><span>Luk\u00e1\u0161 Kovanda (Trinity Bank)<\/span><\/p>\n<\/div>\n<\/div>  \r\n\n\t<div class=\"wpb_video_widget wpb_content_element vc_clearfix   vc_video-aspect-ratio-169 vc_video-el-width-60 vc_video-align-center\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t\t<div class=\"wpb_video_wrapper\"><iframe loading=\"lazy\" title=\"Banks are cutting interest rates on deposits faster than mortgage rates because it helps them maintain their profit margins. When interest rates rise, banks typically increase the rates they charge on loans, like mortgages, but they are slower to increase the rates they pay on deposits. This is because they can pass on higher borrowing costs to new borrowers more quickly than they can raise rates for existing savers. Additionally, banks often have a captive audience for their deposit accounts, meaning customers may be less likely to switch banks for a slightly higher interest rate. This allows banks to offer lower deposit rates while still attracting funds, thus improving their profitability.\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/xRjXUi1LNGE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"Pro\u010d banky sni\u017euj\u00ed \u00faroky na vkladech rychleji ne\u017e sazby hypot\u00e9k? Luk\u00e1\u0161 Kovanda (Trinity Bank)","protected":false},"author":1,"featured_media":6420,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-7590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-videoarchiv"],"_links":{"self":[{"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/posts\/7590","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/comments?post=7590"}],"version-history":[{"count":1,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/posts\/7590\/revisions"}],"predecessor-version":[{"id":7591,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/posts\/7590\/revisions\/7591"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/media\/6420"}],"wp:attachment":[{"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/media?parent=7590"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/categories?post=7590"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalinvestsummit.com\/en\/wp-json\/wp\/v2\/tags?post=7590"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}