Interest can be paid and received. The rate depends on the money market and product.
When borrowing the interest rate will be lower if good security is offered rather than no security being offered. (eg a house is good security but credit cards do not have any security – therefore house loans have lower interest rates than credit cards.) Understand your credit rating to achieve the best interest rates.
When saving longer term products usually pay higher interest rates.
Know the rules – interest can be calculated at a fixed or variable rate and on a principal or daily basis.
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