La tasa de inters es el precio del dinero.

Si una persona,
empresa o gobierno requiere de dinero para adquirir bienes
o financiar sus operaciones, y solicita un prstamo, el inters
que se pague sobre el dinero solicitado ser el costo que
tendr que pagar por ese servicio. Como en cualquier
producto, se cumple la ley de la oferta y la demanda:
mientras sea ms fcil conseguir dinero (mayor oferta,
mayor liquidez), la tasa de inters ser ms baja. Por el
contrario, si no hay suficiente dinero para prestar, la tasa
ser ms alta.

Existen diferentes tipos de tasas de inters:

Tasa de inters nominal. Se refiere a la tasa de referencia
que es presentada en los prstamos y captaciones de las
entidades financieras.
Tasa de inters efectiva. Se refiere a la tasa del inters
verdadero que se paga en una transaccin financiera.
Tasa de inters real. Se refiere a la tasa de inters que
resulta de descontar la tasa de inflacin de la tasa de inters
nominal.
Tasa de inters activa. Se refiere a la tasa de inters que
las instituciones financieras cobran por el dinero prestado a
sus clientes. Se denomina activa porque se enfoca en las
cuentas del activo de las instituciones financieras, ya que,
para la institucin, el prstamo otorgado es un activo.
Tasa de inters pasiva. Se refiere a la tasa de inters que
las instituciones financieras pagan por los prstamos que
obtienen en el mercado, es decir depsitos, bonos, crditos
de otras instituciones u otros productos de caractersticas
similares. Se denomina pasiva porque se enfoca en las
cuentas del pasivo de las instituciones financieras.
The interest rate is the price of money. If a person,
company or government requires money to acquire
goods or finance their operations, apply for a loan, the
interest paid for the money requested is the cost you will
have to pay for that service. As in any product, the law of
supply and demand is met: when it is easier to get money
(greater supply, greater liquidity), the interest rate will be
lower. On the contrary, if there is not enough money to
lend, the rate will be higher.

There are different types of interest rates:

Nominal interest rate: It refers to the reference rate that
is presented in the loans and deposits of financial
institutions.
Effective interest rate: It refers to the true interest rate
paid in a financial transaction.
Real interest rate: It refers to the interest rate that results
from discounting the rate of inflation of the nominal
interest rate.
Active interest rate: It refers to the interest rate that
financial institutions charge for the money lent to their
customers. It is called active because it focuses on the
assets of financial institutions, since, for the institution,
the loan granted is an asset.
Passive interest rate: It refers to the interest rate that
financial institutions pay for the loans they obtain in the
market, that is deposits, bonds, credits from other
institutions or other products with similar characteristics.
It is called a liability because it focuses on the liabilities of
financial institutions.