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Credit cards
Overdrafts
New car loans

","mcqOptions":null},{"id":"168a8a13-9d68-459d-88a9-741684343c79","cardType":"basic","points":2,"front":"Why does the effect of a Bank Rate rise on total borrowing build over years?","back":"Fixed-rate mortgage deals expire gradually, exposing borrowers to new rates.","mcqOptions":null},{"id":"0d20beb1-8e6c-4a1e-95c0-b7b22497c7aa","cardType":"basic","points":1,"front":"What happens to disposable income when a household's loan repayment rises?","back":"The repayment takes a larger share of disposable income.","mcqOptions":null},{"id":"3085d854-3acc-4a25-b078-41d1a2e7395a","cardType":"basic","points":1,"front":"Which purchases usually fall hardest when credit becomes more expensive?","back":"Purchases normally bought on credit, such as cars, furniture and home improvements.","mcqOptions":null},{"id":"63ede1bf-594a-466c-826c-f86b6e8e7b77","cardType":"basic","points":2,"front":"Why do credit-financed purchases slow before weekly shopping after a rate rise?","back":"They depend more directly on borrowing costs.","mcqOptions":null},{"id":"1f824e60-4e83-4027-bee3-2a0868b9f90f","cardType":"basic","points":1,"front":"What is one reason consumer spending can recover before incomes when interest rates fall?","back":"Cheaper credit makes borrowing-funded purchases more affordable.","mcqOptions":null},{"id":"48ff813c-65ec-4534-8678-9adc81b6adfa","cardType":"basic","points":2,"front":"A £10,000 one-year loan rises from 4% to 6%. How much extra interest is paid?","back":"£200: £600 at 6% minus £400 at 4%.","mcqOptions":null},{"id":"16a711e8-3a66-4081-ab98-15d6d13307f2","cardType":"basic","points":1,"front":"How does a higher interest rate affect households with savings?","back":"It raises the reward for holding money back, increasing their interest income.","mcqOptions":null},{"id":"9fe0c150-5f0f-416b-855b-c7fc3287c48c","cardType":"basic","points":2,"front":"Why can a rate rise push some purchases into the future?","back":"Spending today means giving up more interest that could be earned by saving.","mcqOptions":null},{"id":"5315763d-0c64-4c00-97c3-aea45c9a9fb8","cardType":"basic","points":3,"front":"Why does a rate rise affect savers and borrowers in opposite ways?","back":"Savers gain interest income, while borrowers pay more interest.","mcqOptions":null},{"id":"ceacfe1c-2011-4dfb-86fe-66a5be3be61a","cardType":"basic","points":2,"front":"What limits the effect of a higher savings rate on saving?","back":"A household with nothing spare to save cannot respond to the higher rate.","mcqOptions":null},{"id":"f7334518-918a-45bb-befd-1d2528c82542","cardType":"basic","points":2,"front":"What condition determines whether a firm proceeds with an investment project?","back":"The project's expected return must exceed its borrowing cost.","mcqOptions":null},{"id":"8f9c70f2-7d6c-4531-9ab2-9fc4a226d018","cardType":"basic","points":1,"front":"Which investment projects are most likely to be stopped by a rate rise?","back":"Projects that were marginal, with returns only slightly above borrowing costs.","mcqOptions":null},{"id":"26df2f46-6cea-4798-ac08-356cde434318","cardType":"basic","points":2,"front":"Why can expected demand matter more than the interest rate for investment?","back":"A firm will not expand capacity if it doubts it can sell the extra output.","mcqOptions":null},{"id":"da1faaf9-c7a8-4d71-a5cd-23ad3929b60e","cardType":"basic","points":2,"front":"How does household indebtedness affect the impact of a Bank Rate change?","back":"A highly indebted household is affected more strongly than one with little or no borrowing.","mcqOptions":null},{"id":"3d00a336-b645-4f87-9094-e89af5822368","cardType":"basic","points":2,"front":"Why does the expected duration of a rate change affect its impact?","back":"A change thought to be temporary alters fewer long-term plans.","mcqOptions":null},{"id":"37b255ad-8d70-4865-8028-a1663cbd7407","cardType":"basic","points":2,"front":"Why might a cut in Bank Rate have little effect on spending when real wages are falling?","back":"Falling real wages reduce households' ability to spend, despite cheaper credit.","mcqOptions":null},{"id":"318f2dc6-4c35-491a-8a38-220f0e1c158f","cardType":"basic","points":3,"front":"What is the overall judgement on how Bank Rate changes affect the economy?","back":"They change credit costs and influence borrowing and investment, but spending responds slowly and unevenly and may be outweighed by confidence.","mcqOptions":null}]}],"examCountdown":{"examDate":"2027-05-13","paperLabel":"Paper 1"},"heading":"3.6.3 Effects of monetary policy","title":"3.6.3 Effects of monetary policy Flashcards","topbar":{"backHref":"/gcse/economics/ocr/flashcards"},"topicSidebar":"$L37"}]}],"topicId":"755d70c7-3065-4c44-a603-4a8b79b0e5cd","walled":"$L38"}],"$L39","$L3a"]