The real interest rate is 4 percent and the nominal interest rate is 6 percent. Is there inflation or deflation? What is the inflation or deflation rate?

a.

inflation; 10 percent
b.

deflation; 10 percent
c.

inflation; 2 percent
d.

deflation; 2 percent

1 answer

The relationship between nominal interest rates, real interest rates, and the inflation rate can be expressed by the Fisher equation:

\[ 1 + i = (1 + r)(1 + \pi) \]

Where:

  • \( i \) is the nominal interest rate
  • \( r \) is the real interest rate
  • \( \pi \) is the inflation rate

In this case:

  • \( i = 6% \) or 0.06
  • \( r = 4% \) or 0.04

Using a simpler approximation for small rates, we can use:

\[ \pi \approx i - r \]

So:

\[ \pi \approx 0.06 - 0.04 = 0.02 \text{ or } 2% \]

This indicates that there is inflation of 2 percent.

Thus, the correct answer is: c. inflation; 2 percent.