(P) Cum influențează dobânzile ridicate accesul românilor la creditare

High interest rates are impacting consumers' budgets, making loans more expensive and leading to reduced borrowing and spending. This trend affects not only individual households but also the overall economy, as financial institutions become more cautious. Consumers are now more focused on the total cost of loans, including interest rates, fees, and repayment terms. The shift towards online financing options has made it easier to compare offers, but the total cost remains the most critical factor. As borrowing costs rise, demand for loans may decrease, potentially slowing economic growth. A decrease in interest rates could ease this pressure, making loans more accessible again.