The supply and demand for loanable funds

Which of the following is one of the reasons that the demand curve for loanable funds is downward sloping?

A lower real interest rate makes borrowing less expensive.

A higher real interest rate encourages domestic investors to purchase foreign securities and discourages foreign investors from purchasing their own securities$.$

A lower real interest rate discourages people from saving.

A higher real interest rate encourages people to save.

Which of the following is one of the reasons that the supply curve for loanable funds is upward sloping?

A lower real interest rate makes saving less appealing.

A higher real interest rate makes borrowing less expensive.

A lower interest rate makes borrowing less expensive.

A lower real interest rate encourages domestic consumers to purchase foreign securities and discourages foreigners from purchasing domestic securities$.$