face interest rate

简明释义

债券票面利率

英英释义

例句

1.When applying for a mortgage, you will need to consider the face interest rate 名义利率 offered by the bank.

在申请抵押贷款时，您需要考虑银行提供的face interest rate 名义利率。

2.Investors should be aware that the face interest rate 名义利率 does not include fees and other costs.

投资者应该意识到，face interest rate 名义利率不包括费用和其他成本。

3.The face interest rate 名义利率 is often used to attract borrowers, but the effective rate may be higher.

通常使用face interest rate 名义利率来吸引借款人，但实际利率可能更高。

4.Before signing the loan agreement, make sure to review the face interest rate 名义利率 carefully.

在签署贷款协议之前，请务必仔细审查face interest rate 名义利率。

5.The face interest rate 名义利率 on this loan is lower than the market average.

这笔贷款的face interest rate 名义利率低于市场平均水平。

作文

In today's financial landscape, individuals and businesses alike must navigate the complexities of borrowing and lending. One of the most crucial aspects of this process is the concept of interest rates. When we say that someone must "face interest rate," it means they are confronted with the cost of borrowing money, which can significantly impact their financial decisions. Understanding how interest rates work is essential for making informed choices regarding loans, mortgages, and investments.Interest rates can fluctuate based on various factors, including economic conditions, central bank policies, and inflation rates. When interest rates are low, borrowing becomes more attractive, as the cost of loans decreases. Conversely, when interest rates rise, individuals and businesses may hesitate to take on new debt due to higher repayment costs. This dynamic creates a constant challenge for borrowers who must "face interest rate" changes that can affect their financial stability.For example, consider a young couple looking to buy their first home. They have saved diligently for a down payment and are now ready to secure a mortgage. However, as they begin their search, they realize that the prevailing interest rates have increased since they started their planning. Now, they must "face interest rate" challenges that could alter their budget and the type of home they can afford. A higher interest rate means larger monthly payments, which may force them to reconsider their options or delay their purchase altogether.Moreover, businesses also feel the impact of interest rates. A company looking to expand its operations might need to borrow funds to invest in new equipment or hire additional staff. If the company must "face interest rate" hikes, it may have to reassess its growth strategy. Higher borrowing costs can lead to reduced profit margins and slower expansion, ultimately affecting the company's competitiveness in the market.In addition to personal and business finances, interest rates play a significant role in the broader economy. Central banks, such as the Federal Reserve in the United States, adjust interest rates to control inflation and stabilize the economy. When they raise rates, they aim to cool off an overheating economy; when they lower rates, they seek to stimulate growth. Thus, consumers and businesses must always "face interest rate" adjustments made by these institutions, as these changes can ripple through the economy and influence spending and investment decisions.In conclusion, the phrase "face interest rate" encapsulates a fundamental aspect of financial decision-making. Whether you are an individual seeking a mortgage or a business looking to finance growth, understanding how interest rates affect your financial landscape is vital. By staying informed about current rates and trends, you can better navigate the complexities of borrowing and make choices that align with your financial goals. Ultimately, being prepared to "face interest rate" fluctuations can empower you to manage your finances effectively and achieve long-term success.

在当今的金融环境中，个人和企业都必须应对借贷的复杂性。其中一个至关重要的方面就是利率的概念。当我们说某人必须“面对利率”时，这意味着他们面临借款成本，这会显著影响他们的财务决策。理解利率如何运作对于在贷款、抵押贷款和投资方面做出明智的选择至关重要。利率可能会因经济状况、中央银行政策和通货膨胀率等各种因素而波动。当利率较低时，借款变得更加吸引人，因为贷款成本降低。相反，当利率上升时，个人和企业可能会因为还款成本较高而犹豫不决。这种动态为借款者创造了一个持续的挑战，他们必须“面对利率”的变化，这可能会影响他们的财务稳定性。例如，考虑一对年轻夫妇，他们正在寻找购买第一套房子的机会。他们为首付努力存钱，现在准备申请抵押贷款。然而，当他们开始搜索时，他们意识到自从他们开始计划以来，现行的利率已经上升。现在，他们必须“面对利率”的挑战，这可能会改变他们的预算和他们能够负担的房屋类型。更高的利率意味着更大的月供，这可能迫使他们重新考虑选择或推迟购买。此外，企业也感受到利率的影响。一家公司希望扩大其运营，可能需要借款以投资新设备或雇用更多员工。如果公司必须“面对利率”的上升，它可能不得不重新评估其增长战略。更高的借款成本可能导致利润率下降和扩张速度减缓，最终影响公司的市场竞争力。除了个人和企业财务外，利率在更广泛的经济中也发挥着重要作用。中央银行，例如美国的联邦储备委员会，通过调整利率来控制通货膨胀并稳定经济。当他们提高利率时，他们旨在冷却过热的经济；当他们降低利率时，他们寻求刺激增长。因此，消费者和企业始终必须“面对利率”的调整，因为这些变化可能会在经济中产生涟漪，并影响支出和投资决策。总之，“面对利率”这个短语概括了财务决策中的一个基本方面。无论你是寻求抵押贷款的个人，还是希望融资扩张的企业，了解利率如何影响你的财务环境是至关重要的。通过了解当前的利率和趋势，你可以更好地应对借贷的复杂性，并做出与财务目标相一致的选择。最终，准备“面对利率”的波动可以使你有效管理财务，实现长期成功。