Homeowner Loans

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In theory your friend is correct in theory. You can borrow and spend. But you can't keep the loan repayment in terms of money:

Presently interest is at about 14% and inflation is about 20% (I think). The real interest rate, defined as the difference between the two, is -6%.

Let's say you take out a loan for Rs 100. In one year, you will have to pay back Rs 114 to the bank. The loan plus the interest.

But in terms of real interest, you are only paying back Rs 94. The actual Rs 114 you pay back to the bank is worth only Rs 94 in today's terms.

So in theory, you can take out a loan for Rs 100, keep Rs 94 to pay back the loan, and spend Rs 6. Ah – but at the end of one year the bank will ask you for Rs 114, and you will have Rs 94.

This is why you can't keep the Rs 94 in money terms. Inflation will decrease it's value. You have to keep it in another currency (which would be subject to exchange-rate issues), or keep it in terms of goods or services, the value of which will increase with inflation. Maybe the stock market, but that's risky too.

So when your friend doesn't pay his mobile bill on time, he is borrowing from the mobile company, yes. But unless his salary is increasing with inflation, he is losing. Because the money he saves today to pay his mobile bill in the future is worth less in the future, so in fact he is paying out more. But if he gets an increased income in the future, due to inflation, then in effect he is saving the repayment money with his employer, who are increasing that money in value, to keep in line with inflation.

Same with credit cards. You don't gain unless your salary is increasing with inflation, or you keep the repayment money in terms of goods and services which increase in price over the year, as inflation increases the general price level.

So yes, you can gain when the country has a negative real interest rate. But it's not easy for individuals. Easier for businesses, who invest the loan money into a revenue-generating asset, which produces something whose price can change with inflation.

This is a long boring answer but I am an Econ student with exams coming up! I hope my answer is correct, if not, please someone correct me as I should know this stuff properly…

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