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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<h2 id="key-takeaways" data-position="0" data-beam-element-viewed="" data-id="br-h2-0-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Key takeaways" data-outcome="">Control de válvula</h2>
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    <span class="shrink-0">Control de válvula</span><br />
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<p>                                                            Los prestamistas de tarjetas de crédito agregan un beneficio a la tarifa prima para montar a la variable APR de su polímero.</p>
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<p>                                                            La tasa preferente afecta el costo del crédito en los préstamos de consumo, incluidas las cuentas de tarjetas de crédito, con las tasas en los préstamos de consumo que suben o bajan con la tasa principal.</p>
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<p>                                                            La tasa principal está vinculada a la tasa de interés objetivo de la Reserva Federal y típicamente está a tres puntos porcentuales por encima de ella
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<p>Si lee la grafema pequeña de su polímero de crédito, es posible que haya notado poco en las siguientes líneas: &#8220;Este APR variará con el mercado en función de la tasa prefiera&#8221;. ¿Qué significa eso? ¿Y cómo te afecta la tasa de interés principal?</p>
<p>La mayoría de las tarjetas de crédito ofrecen lo que se pasión un <u>Variable APR</u> &#8211; Es proponer, una tasa de interés anual que varía con el tiempo a medida que cambia la tasa principal. Si la tasa prefantera aumenta, el interés de su polímero de crédito podría aumentar por fracciones de un punto porcentual. Del mismo modo, si la tasa prima disminuye, podría caer un poco.</p>
<h2 id="what" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What is the prime rate?" data-outcome="">¿Cuál es la tasa prefantera?</h2>
<p>La tasa de interés principal, incluso conocida como la &#8220;tasa prefiera de los Estados Unidos&#8221; o &#8220;<u>Wall Street Journal Tarifa</u>&#8220;Está determinado por los bancos individuales y les ayuda a animarse cuánto interés cobrar por productos de crédito al consumo, como hipotecas, préstamos personales y tarjetas de crédito. En algunos casos, la tasa principal es la tasa de interés efectivo ofrecida a los solicitantes más solventes.</p>
<p>Sin bloqueo, los bancos y los emisores de crédito a menudo cobrarán la tasa de interés principal más un cierto porcentaje de afectado en función del puntaje de crédito del cliente y el tipo de producto que están tomando prestando. El interés adicional ayuda a cubrir el costo de prestar capital y incluso protege al tira o al prestamista de los consumidores que incumplen sus préstamos.</p>
<p>El <u>tasa primaria coetáneo</u> es 7.5 por ciento, pero eso no significa que las personas con crédito principal deberían esperar solo fertilizar un 7,5 por ciento de APR en sus tarjetas de crédito. Los emisores de tarjetas de crédito determinan las tasas de interés utilizando la tasa principal como diámetro de colchoneta. <u>Tasas de interés de la polímero de crédito coetáneo</u> promedia aproximadamente del 20.09 por ciento. Incluso personas con <u>puntajes de crédito perfectos</u> Pagará proporcionado más que la tarifa preferencial en sus tarjetas de crédito.</p>
<h2 id="how" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="How does the prime rate affect your interest rate?" data-outcome="">¿Cómo afecta la tasa preferente a su tasa de interés?</h2>
<p>La mayoría de las tarjetas de crédito ofrecen una tasa de interés variable (a menudo citación &#8220;APR variable&#8221;) basada en la tasa de interés principal. Los emisores de tarjetas de crédito agregarán un beneficio a la tasa prima para determinar su tasa de interés variable específica.</p>
<p>Esto significa que tu <u>Maleable de crédito APR</u> puede subir o apearse dependiendo de la tarifa prima. Los emisores de tarjetas de crédito no están obligados a notificarle cuando su tasa de interés variable cambia adecuado a un cambio en la tasa de interés principal, pero no se preocupan; en la mayoría de los casos, cualquier ajuste a su tasa de interés será último. Si su tira o prestamista quiere <u>elevar la tasa de interés de su polímero de crédito</u> Por otras razones, como emitir una paquete APR luego de un cuota retrasado, deben darle un aviso de 45 días.</p>
<p>Alguno <u>hipotecas</u> y <u>préstamos personales</u> Todavía puede ofrecer tasas de interés variables. Si no desea que la tasa de interés que paga en su hipoteca o préstamo cambie con el tiempo, puede comprar una hipoteca o préstamo de tasa fija. Las tasas de interés fijas permanecen constantes durante la vida útil de su préstamo, lo que significa que siempre sabrá cuánto interés se cobrará en su saldo.</p>
<h3>Cómo la tasa prefantera afecta las facturas de su polímero de crédito</h3>
<p>La tasa preferente afecta en última instancia la tasa de interés colchoneta que el emisor usará para determinar su tasa de interés final en función de su puntaje de crédito. Entonces, si tiene mal crédito y tiene un saldo de mes a mes, puede esperar fertilizar más en intereses en comparación con si tuviera un puntaje de crédito bueno o excelente. Una tarifa preferente más inscripción puede ajustar el monto que paga sutilmente y una tasa preferencial más desprecio puede ajustar la cantidad.</p>
<p>Por supuesto, la tasa prefantera no tiene ningún emoción en las facturas de su polímero de crédito si paga su saldo en su totalidad cada mes. Hexaedro que la tasa principal solo afecta la tasa de interés de una polímero, no hará una diferencia en cuánto paga siempre que no acumule intereses.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
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<p>                Insight del editor
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<p>Si desea realizar un seguimiento de la forma en que su APR variable fluctúa con el tiempo, preste atención a sus extractos mensuales de la polímero de crédito y vea si nota algún cambio. Puede ver que su tasa de interés sube o desprecio por fracciones de un punto porcentual, lo que representa el emoción de la tasa principal en su variable APR.</p>
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<h2 id="determined" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="How is the prime rate determined?" data-outcome="">¿Cómo se determina la tasa prima?</h2>
<p>La tasa prefantera es generalmente tres puntos porcentuales más altos que el <u>tasa de fondos federales</u>que es un rango de tasas de interés objetivo establecido por la Congregación de la Reserva Federal. Esta tasa se utiliza para determinar cuánto intereses se cobran los bancos entre sí al otorgar préstamos nocturnos para cumplir con los requisitos de reserva.</p>
<p>Se requiere que todos los bancos tengan una cierta cantidad de <u>efectivo en reserva</u> Al final de cada día hábil para avalar que los consumidores puedan retirar capital de sus cuentas según sea necesario. Si los bancos necesitan un poco de efectivo adicional para completar sus reservas, pueden pedirlo prestado a la Reserva Federal (o de otro tira) a la tasa de interés de los fondos federales.</p>
<p>Cuando la Reserva Federal aumenta o reduce la tasa de fondos federales, la tasa principal generalmente replica en consecuencia.</p>
<h2 id="economy" data-position="4" data-beam-element-viewed="" data-id="br-h2-4-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The prime rate and the economy" data-outcome="">La tasa preferma y la riqueza</h2>
<p>Como hemos discutido, la tasa principal de los EE. UU. Se zócalo en la tasa de fondos federales, que es una tasa de interés objetivo que apunta a la Reserva Federal en función de las condiciones económicas. Cuando la Fed quiere <u>estimular la riqueza</u>reduce su tasa de interés objetivo para que sea más realizable para los bancos pedir capital prestado. A su vez, los bancos pueden otorgar préstamos a tasas de interés más bajas, creando una demanda de consumidores y negocios de estos préstamos y, por lo tanto, estimulan la riqueza. Por ejemplo, durante la pandemia Covid-19, el tira central llevó su tasa de interés objetivo a un rango muy bajo de 0 por ciento a 0.25 por ciento. Esto dio como resultado tasas hipotecarias bajas históricas de 30 primaveras por debajo del 3 por ciento para los consumidores.</p>
<p>Del mismo modo, cuando la Reserva Federal tiene como objetivo detener la riqueza, aumenta su tasa de interés objetivo. Esto hace que sea más costoso pedir capital prestado, reduciendo así la demanda y ralentizando la riqueza.</p>
<p>Por ejemplo, la Reserva Federal aumentó su tasa de interés objetivo varias veces a partir de marzo de 2022, intentando combatir <u>inflación</u> y detener la riqueza. Es por eso que la tasa principal tiende a moverse con condiciones económicas a medida que la Reserva Federal ajusta su tasa de interés objetivo.</p>
<figure class="lightbox"><figcaption class="lightbox-figcaption flex flex-col items-center justify-center">
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<path fill-rule="evenodd" clip-rule="evenodd" d="M7.871 8.73h.01-.021.011Zm.602-.248a.842.842 0 0 1-.602.247.91.91 0 0 1-.603-.247L3.235 4.448v2.98a.854.854 0 1 1-1.71 0V2.36s-.01-.011-.01-.022c0-.107.021-.215.064-.301a.86.86 0 0 1 .473-.473.74.74 0 0 0 .086-.033.626.626 0 0 1 .205-.032h5.076a.88.88 0 0 1 .86.871c0 .474-.387.861-.86.861h-2.98l4.034 4.034a.864.864 0 0 1 0 1.216ZM1.976 22.414a.927.927 0 0 0 .388.086v-.01h5.065c.473 0 .86-.388.86-.861a.863.863 0 0 0-.86-.861H4.45l4.033-4.034a.864.864 0 0 0 0-1.216.863.863 0 0 0-1.215 0l-4.033 4.034v-2.98a.863.863 0 0 0-.86-.86.88.88 0 0 0-.872.86v5.014a.828.828 0 0 0 .248.667c.064.064.14.118.225.16Zm19.66.086h-5.065a.88.88 0 0 1-.86-.871c0-.474.386-.861.86-.861h2.979l-4.033-4.034a.864.864 0 0 1 0-1.216.863.863 0 0 1 1.215 0l4.033 4.034v-2.98a.854.854 0 1 1 1.71 0v5.067a.885.885 0 0 1-.237.602.916.916 0 0 1-.268.184.736.736 0 0 1-.334.064v.011Zm-6.12-14.018a.89.89 0 0 0 .614.248l-.011-.011c.226 0 .44-.076.613-.248l4.033-4.034v2.98c0 .473.387.86.86.86a.88.88 0 0 0 .872-.86V2.414a.841.841 0 0 0-.549-.86c-.097-.043-.204-.065-.312-.043h-5.065a.863.863 0 0 0-.86.86c0 .474.386.861.86.861h2.979l-4.033 4.034a.864.864 0 0 0 0 1.216Z" class="icon-base"></path></svg>                </span><br />
                <span class="block mt-4 lightbox-caption">EXPANDIR</span><br />
            </figcaption></figure>
<h2 data-position="5" data-beam-element-viewed="" data-id="br-h2-5-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The bottom line" data-outcome="">El resultado final</h2>
<p>La tasa principal es el punto de remisión utilizado para determinar las tasas de interés que pagará en préstamos, tarjetas de crédito y otras líneas de crédito. Cuando cambia la tasa principal, puede ver un pequeño aumento o disminución en sus tasas de interés variables. Sin bloqueo, en la mayoría de los casos, ni siquiera notará el cambio a menos que lea los extractos de su polímero de crédito todos los meses y compare sus tasas de interés con el tiempo.</p>
<p>Su solvencia crediticia desempeña un papel más crítico en la determinación de los prestamistas de las tasas de interés que los prestamistas le ofrecen. Si desea fertilizar las tasas de interés más bajas posibles en sus tarjetas de crédito y préstamos, concéntrese en construir su puntaje de crédito, no en lo que está haciendo la tasa principal.</p>
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" title="Cómo construí mi crédito con una tarjeta de crédito">Cómo construí mi crédito con una tarjeta de crédito</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-06-19T01:03:43+00:00" >June 19, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-da0dc8 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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