fixed interest

简明释义

定额利息

英英释义

例句

1.Many people prefer loans with fixed interest (固定利率) because they offer predictable monthly payments.

许多人更喜欢具有固定利率的贷款，因为它们提供可预测的每月还款额。

2.Investors often choose bonds with fixed interest (固定利率) to ensure a steady income stream.

投资者通常选择具有固定利率的债券，以确保稳定的收入流。

3.A fixed interest (固定利率) investment can be less risky compared to variable rate options.

与浮动利率选项相比，固定利率投资的风险可能较小。

4.When buying a home, you can opt for a mortgage with fixed interest (固定利率) for long-term stability.

购房时，您可以选择具有固定利率的抵押贷款，以获得长期稳定性。

5.The fixed interest (固定利率) on my savings account helps me plan my finances better.

我储蓄账户上的固定利率帮助我更好地规划财务。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term is fixed interest, which refers to an interest rate that remains constant throughout the life of a loan or investment. This stability can provide significant advantages for both borrowers and investors. When individuals take out loans with a fixed interest rate, they can plan their budgets more effectively, as their monthly payments will not fluctuate due to changes in market interest rates. This predictability is particularly beneficial for long-term loans, such as mortgages, where borrowers commit to payments over many years.On the other hand, investors may also seek out opportunities that offer fixed interest returns, such as bonds or certain types of savings accounts. These investments typically provide a steady income stream, which can be appealing for those looking to secure their financial future. For example, government bonds often come with a fixed interest rate, ensuring that investors receive a predetermined amount of interest at regular intervals. This can be especially attractive during times of economic uncertainty when stock markets may be volatile.However, while fixed interest offers stability, it is essential to consider the potential downsides. In an environment where interest rates are rising, borrowers with fixed interest loans may feel relieved that their rates are locked in, but new borrowers might find themselves paying lower rates if they opt for variable interest loans. Similarly, investors in fixed interest securities may miss out on higher returns available from investments that adjust with market conditions.Moreover, inflation poses another risk to fixed interest investments. If inflation rises significantly, the purchasing power of the interest earned may diminish over time. This means that while the nominal return remains the same, the real return—adjusted for inflation—can decrease, potentially leading to losses in value. Therefore, individuals must weigh the benefits of fixed interest against these risks and consider their financial goals and market conditions.In conclusion, the concept of fixed interest plays a vital role in personal finance and investment strategies. Its predictability provides comfort for borrowers and steady returns for investors, making it a popular choice in many scenarios. However, it is essential to remain aware of the broader economic factors that can impact the effectiveness of fixed interest arrangements. By understanding both the advantages and disadvantages associated with fixed interest, individuals can make better financial decisions that align with their long-term objectives. Ultimately, knowledge is power, and being well-informed about terms like fixed interest can lead to a more secure financial future.

在金融领域，理解各种术语对于做出明智的决策至关重要。其中一个术语是固定利率，指的是在贷款或投资的整个生命周期内保持不变的利率。这种稳定性为借款人和投资者提供了显著的优势。当个人以固定利率贷款时，他们可以更有效地规划预算，因为每月的还款不会因市场利率的变化而波动。这种可预测性对于长期贷款（如抵押贷款）尤其有利，因为借款人承诺在多年内进行还款。另一方面，投资者也可能寻求提供固定利率回报的机会，例如债券或某些类型的储蓄账户。这些投资通常提供稳定的收入流，对于那些希望确保财务未来的人来说非常有吸引力。例如，政府债券通常附带固定利率，确保投资者定期获得预定金额的利息。在经济不确定时期，这对投资者尤其具有吸引力，因为股市可能会波动。然而，尽管固定利率提供了稳定性，但考虑潜在的缺点也很重要。在利率上升的环境中，拥有固定利率贷款的借款人可能会感到宽慰，因为他们的利率被锁定，但新借款人如果选择浮动利率贷款可能会发现自己支付的利率较低。同样，投资于固定利率证券的投资者可能会错失市场条件变化带来的更高回报。此外，通货膨胀对固定利率投资构成了另一个风险。如果通货膨胀显著上升，所赚取利息的购买力可能会随时间减弱。这意味着虽然名义回报保持不变，但实际回报（经过通货膨胀调整后）可能会减少，从而导致价值损失。因此，个人必须权衡固定利率的好处与这些风险，并考虑他们的财务目标和市场条件。总之，固定利率的概念在个人财务和投资策略中发挥着重要作用。它的可预测性为借款人提供了安慰，为投资者提供了稳定的回报，使其在许多情况下成为一种受欢迎的选择。然而，保持对可能影响固定利率安排有效性的更广泛经济因素的关注也是至关重要的。通过理解与固定利率相关的优缺点，个人可以做出更好的财务决策，使其与长期目标相一致。归根结底，知识就是力量，了解像固定利率这样的术语可以通向更安全的财务未来。