Negative interest rates in Germany

[fiulpro]

They will only lend the money out when someone will actually need it .
They cannot go home to home and then lend money , one more thing is that , sometimes banks have huge amount of interest for the people who are taking the money and thus they prefer the bank with low rates when it comes to lending , it could help the people since the banks will now lower their interest rates and people will get the money at a much lower interest.

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[naikturun]

I do not know if the same rules apply in other countries, if that's me I'm not going to keep my money in the bank maybe I will buy property or anything that generates profit and avoid inflation,Bitcoin is good but too I will put 10-20% of the total assets, And also you don't get a monthly return if only buy it but only increment the value if saving it in the long term, i prefer cashflow than capital gain.