annual interest

简明释义

年利

英英释义

例句

1.To maximize your savings, look for accounts that offer higher annual interest 年利率 rates.

为了最大化你的储蓄，寻找提供更高年利率的账户。

2.Investing in bonds typically yields a fixed annual interest 年利率 over time.

投资债券通常会随着时间产生固定的年利率收益。

3.The annual interest 年利率 on my credit card is extremely high, making it hard to pay off the balance.

我信用卡的年利率非常高，这使得还清余额变得困难。

4.The bank offers a savings account with a competitive annual interest 年利率 of 3%.

这家银行提供的储蓄账户的竞争性年利率为3%。

5.When you take out a loan, it's essential to understand the annual interest 年利率 you will be charged.

当你申请贷款时，了解你将被收取的年利率是至关重要的。

作文

Understanding financial concepts is essential for making informed decisions in today's economy. One such concept that plays a crucial role in personal finance is annual interest. The term annual interest refers to the percentage of interest that is charged or earned on an investment or loan over the course of a year. This rate can significantly impact the total amount of money one pays on a loan or earns from an investment, making it vital for individuals to grasp its implications.When taking out a loan, the annual interest rate determines how much extra money will be paid back to the lender over time. For instance, if someone borrows $1,000 at an annual interest rate of 5%, they will owe $50 in interest after one year. This simple calculation illustrates how the annual interest rate directly affects the cost of borrowing money. Moreover, understanding annual interest is equally important when it comes to saving and investing. When individuals deposit money into a savings account, the bank pays them interest based on the annual interest rate. For example, if a person deposits $1,000 in a savings account with an annual interest rate of 2%, they will earn $20 in interest after one year. This demonstrates how annual interest can help grow savings over time, emphasizing the importance of choosing accounts with competitive rates.Another critical aspect to consider is the difference between simple and compound annual interest. Simple interest is calculated only on the principal amount, while compound interest is calculated on the principal plus any interest that has already been added. This means that with compound interest, individuals can earn interest on their interest, leading to a more substantial return over time. For instance, if the same $1,000 is invested at a 5% annual interest rate compounded annually, after one year, the total amount would be $1,050. However, in the second year, the interest is calculated on $1,050, not just the original $1,000, which leads to even greater earnings in subsequent years.In conclusion, the concept of annual interest is fundamental to both borrowing and saving. It influences how much one pays on loans and how much one earns on investments. By understanding the nuances of annual interest, including the differences between simple and compound interest, individuals can make better financial decisions that align with their goals. Whether it’s choosing the right loan or selecting the best savings account, being informed about annual interest empowers individuals to manage their finances effectively and work towards achieving financial stability and growth.

理解金融概念对于在当今经济中做出明智的决策至关重要。一个在个人财务中起着关键作用的概念是年利率。术语年利率指的是在一年内对投资或贷款收取或赚取的利息百分比。这一利率会显著影响个人在贷款中支付的总金额或从投资中获得的收益，因此，个人掌握其含义至关重要。当借款时，年利率决定了借款人随时间需要偿还给贷方的额外费用。例如，如果某人以5%的年利率借入1000美元，他们在一年后将需偿还50美元的利息。这一简单的计算说明了年利率如何直接影响借款成本。此外，在储蓄和投资方面，理解年利率同样重要。当个人将资金存入储蓄账户时，银行会根据年利率支付他们利息。例如，如果一个人将1000美元存入年利率为2%的储蓄账户，他们将在一年后获得20美元的利息。这表明年利率如何帮助储蓄随时间增长，强调选择具有竞争利率的账户的重要性。另一个需要考虑的关键方面是简单利息和复利的区别。简单利息仅基于本金计算，而复利则基于本金加上已添加的任何利息进行计算。这意味着通过复利，个人可以获得利息的利息，从而随着时间的推移获得更丰厚的回报。例如，如果同样的1000美元以5%的年利率年复利投资，一年后总金额将为1050美元。然而，在第二年，利息是基于1050美元计算，而不仅仅是原始的1000美元，这导致在随后的年份中获得更大的收益。总之，年利率的概念对借贷和储蓄都是基础。它影响一个人贷款的支付金额和投资的收益。通过理解年利率的细微差别，包括简单利息和复利之间的区别，个人可以做出更好的财务决策，以符合自己的目标。无论是选择合适的贷款还是选择最佳的储蓄账户，了解年利率使个人能够有效管理财务，并努力实现财务稳定和增长。