at a favorable interest rate

简明释义

按有利的利息

英英释义

例句

1.Our company secured a line of credit at a favorable interest rate to expand our operations.

我们公司获得了一条利率优惠的信用额度，以扩大我们的业务。

2.He decided to buy a car now because he found financing at a favorable interest rate.

他决定现在买车，因为他找到了利率优惠的融资方案。

3.Investors are looking for bonds at a favorable interest rate to maximize their returns.

投资者正在寻找利率优惠的债券，以最大化他们的回报。

4.She was able to refinance her student loans at a favorable interest rate, reducing her monthly payments.

她能够以利率优惠的条件重新融资她的学生贷款，从而减少每月的还款额。

5.The bank is offering home loans at a favorable interest rate that makes it easier for first-time buyers.

这家银行提供的房屋贷款利率优惠，使首次购房者更容易获得贷款。

作文

In today's fast-paced financial world, many individuals and businesses are constantly seeking ways to manage their finances more effectively. One crucial aspect of financial management is securing loans or credit at the best possible terms. This often leads people to search for financing options that come with lower costs and better conditions. One of the most sought-after conditions is obtaining a loan or credit line at a favorable interest rate. This term refers to an interest rate that is lower than the market average, which can significantly reduce the total cost of borrowing over time.When individuals or businesses borrow money, they are required to pay back not only the principal amount but also interest on that principal. The interest charged can vary widely depending on several factors, including the borrower’s creditworthiness, the type of loan, and prevailing economic conditions. Therefore, finding financing at a favorable interest rate can lead to substantial savings.For example, consider a small business owner who needs to borrow $100,000 to expand operations. If they secure a loan at a favorable interest rate of 4% compared to a higher rate of 8%, they will save a significant amount in interest payments over the life of the loan. Over a ten-year period, the difference in total interest paid could amount to tens of thousands of dollars, allowing the business owner to reinvest those savings back into the business.Furthermore, obtaining loans at a favorable interest rate can also improve cash flow for both individuals and businesses. Lower monthly payments mean that borrowers can allocate their resources more efficiently, whether it’s for investing in growth opportunities, saving for future expenses, or simply managing day-to-day financial obligations. This flexibility is particularly important in times of economic uncertainty when unexpected expenses may arise.In addition to personal finance, understanding how to secure loans at a favorable interest rate is essential for larger-scale investments such as real estate. Homebuyers often seek mortgages with the lowest interest rates possible to minimize their monthly payments and overall expenditure. A mortgage at a favorable interest rate can make homeownership more accessible and affordable, allowing families to invest in their future without being burdened by excessive debt.However, achieving favorable interest rates often requires diligent preparation and a good understanding of one’s financial standing. Borrowers should maintain a healthy credit score, as this is one of the primary factors lenders use to determine interest rates. Additionally, shopping around and comparing offers from different lenders can help borrowers find the best possible terms.In conclusion, securing loans or credit at a favorable interest rate is a vital component of effective financial management. It allows individuals and businesses to save money, improve cash flow, and achieve their financial goals more efficiently. As such, understanding the importance of interest rates and actively seeking out favorable borrowing conditions can lead to significant long-term benefits. Whether for personal needs or business expansion, the impact of obtaining financing at a favorable interest rate cannot be overstated, making it a critical consideration for anyone looking to manage their finances wisely.

在当今快速发展的金融世界中，许多个人和企业不断寻求更有效的财务管理方式。财务管理的一个关键方面是以尽可能最佳的条件获得贷款或信用。这常常使人们寻找那些成本较低、条件更好的融资选项。其中一个最受追捧的条件是以有利的利率获得贷款或信用额度。这个术语指的是低于市场平均水平的利率，这可以显著降低借款的总成本。当个人或企业借钱时，他们不仅需要偿还本金，还需支付本金的利息。所收取的利息因多个因素而异，包括借款人的信用状况、贷款类型和当前经济条件。因此，找到以有利的利率进行融资可以带来可观的节省。例如，考虑一位小企业主需要借款10万美元以扩展业务。如果他们以4%的利率获得贷款，而不是8%的更高利率，他们将在贷款期限内节省大量利息支付。在十年的时间里，总利息支付的差额可能达到数万美元，使得企业主能够将这些节省再投资于业务。此外，以有利的利率获得贷款还可以改善个人和企业的现金流。较低的月付款意味着借款人可以更有效地分配资源，无论是用于投资增长机会、为未来开支储蓄，还是简单地管理日常财务义务。这种灵活性在经济不确定时期尤为重要，因为意外支出可能会出现。除了个人财务外，了解如何以有利的利率获得贷款对于房地产等大规模投资也至关重要。购房者通常寻求尽可能低的抵押贷款利率，以减少每月付款和总体支出。以有利的利率获得的抵押贷款可以使家庭拥有房屋变得更加可及和负担得起，让家庭能够在没有过度债务负担的情况下投资未来。然而，实现有利利率通常需要勤奋的准备和对自身财务状况的良好理解。借款人应保持健康的信用评分，因为这是贷方用来确定利率的主要因素之一。此外，四处比较并比较不同贷方的报价可以帮助借款人找到最佳的条款。总之，以有利的利率获得贷款或信用是有效财务管理的重要组成部分。它使个人和企业能够节省资金、改善现金流，并更有效地实现其财务目标。因此，理解利率的重要性并积极寻求有利的借贷条件可以带来显著的长期利益。无论是出于个人需求还是商业扩展，获得以有利的利率进行融资的影响都不容小觑，使其成为任何希望明智管理财务的人必须考虑的关键因素。