interest rate

简明释义

利率

英英释义

例句

1.The bank announced a new lower interest rate for savings accounts.

银行宣布对储蓄账户的新较低的利率。

2.The central bank decided to raise the interest rate to combat inflation.

中央银行决定提高利率以对抗通货膨胀。

3.When the interest rate rises, borrowing becomes more expensive.

当利率上升时，借款变得更加昂贵。

4.Many homeowners refinance their mortgages to take advantage of lower interest rates.

许多房主重新融资他们的抵押贷款，以利用较低的利率。

5.Investors often look for bonds with higher interest rates to maximize returns.

投资者通常寻找具有更高利率的债券以最大化回报。

作文

Understanding the concept of interest rate is crucial for anyone looking to manage their finances effectively. The interest rate refers to the percentage charged on a loan or paid on savings, which can significantly impact an individual’s financial decisions. When taking out a loan, whether for a house, car, or education, the interest rate determines how much extra money one will have to pay back in addition to the principal amount borrowed. A lower interest rate means that borrowers will pay less over time, making it more affordable to take on debt. Conversely, a higher interest rate can lead to substantial additional costs, which can strain an individual's budget.On the other hand, when it comes to savings accounts and fixed deposits, the interest rate plays a vital role in how much money one can earn over time. Banks offer a certain interest rate on deposits, allowing individuals to grow their savings. Therefore, understanding how interest rates work can help people make informed decisions about where to put their money. For example, if a person knows that a particular bank offers a higher interest rate than others, they may choose to deposit their savings there to maximize their earnings.The interest rate is influenced by various factors, including economic conditions, inflation, and monetary policy set by central banks. Central banks, like the Federal Reserve in the United States, adjust the interest rate to control inflation and stabilize the economy. When the economy is growing too quickly and inflation rises, central banks may increase the interest rate to cool down spending and borrowing. Conversely, during an economic downturn, they may lower the interest rate to encourage borrowing and investment, thereby stimulating economic activity.For individuals, keeping an eye on interest rates is essential. A sudden change in the interest rate can affect existing loans, especially those with variable rates, leading to higher monthly payments. This can create financial stress for borrowers who may not have budgeted for increased payments. Additionally, potential homebuyers should be aware of current interest rates when considering a mortgage, as even a small difference in the interest rate can lead to thousands of dollars in savings or costs over the life of the loan.In conclusion, the interest rate is a fundamental aspect of personal finance that affects both borrowing and saving. Understanding how interest rates work and what influences them can empower individuals to make better financial choices. Whether one is looking to take out a loan or save money, being informed about interest rates can lead to improved financial outcomes. Therefore, it is essential for everyone to stay informed about interest rates and their implications in order to navigate their financial journeys successfully.

理解利率这一概念对任何希望有效管理财务的人来说都是至关重要的。利率是指贷款时收取的百分比或储蓄时支付的百分比，这会显著影响个人的财务决策。当借款时，无论是用于购房、购车还是教育，利率决定了借款人除了本金外还需偿还多少额外费用。较低的利率意味着借款人将支付更少的费用，从而使债务变得更可承受。相反，较高的利率可能导致巨大的额外费用，这会给个人预算带来压力。另一方面，在储蓄账户和定期存款方面，利率在个人能赚多少钱上起着至关重要的作用。银行在存款上提供一定的利率，使个人能够增加储蓄。因此，了解利率的运作方式可以帮助人们做出明智的资金投入决策。例如，如果某人知道某家银行提供的利率高于其他银行，他们可能会选择将储蓄存入那里以最大化收益。利率受多种因素的影响，包括经济状况、通货膨胀以及中央银行设定的货币政策。中央银行，如美国的联邦储备系统，会调整利率以控制通货膨胀和稳定经济。当经济增长过快且通货膨胀上升时，中央银行可能会提高利率以冷却消费和借贷。相反，在经济衰退期间，他们可能会降低利率以鼓励借贷和投资，从而刺激经济活动。对于个人而言，关注利率是至关重要的。利率的突然变化可能会影响现有的贷款，特别是那些具有浮动利率的贷款，导致每月还款增加。这可能会给借款人带来财务压力，因为他们可能没有为增加的还款做好预算。此外，潜在的购房者在考虑抵押贷款时应注意当前的利率，因为即使是小幅的利率差异在贷款的整个生命周期内也可能导致数千美元的节省或成本。总之，利率是个人财务的一个基本方面，影响着借贷和储蓄。了解利率的运作方式及其影响因素可以使个人做出更好的财务选择。无论一个人是希望借款还是存钱，了解利率都可以带来更好的财务结果。因此，每个人都应保持对利率及其影响的关注，以便成功地驾驭自己的财务旅程。