at…% per annum

简明释义

年利息率…%

英英释义

例句

1.This investment fund returns an average of 6% per annum.

这个投资基金的平均回报为每年6%。

2.The loan is available at an interest rate of 7% per annum.

该贷款的利率为每年7%。

3.Our company provides fixed deposits at 4% per annum.

我们公司提供的定期存款利率为每年4%。

4.You can invest in government bonds that yield 5% per annum.

你可以投资于收益为每年5%的政府债券。

5.The bank offers a savings account with interest rates of 3% per annum.

这家银行提供的储蓄账户利率为每年3%。

作文

In today's financial world, understanding interest rates is crucial for making informed decisions about investments and loans. One common phrase that often appears in financial documents is 'at ...% per annum'. This phrase indicates the annual interest rate applied to a particular financial product, such as a loan or an investment. For example, if a bank offers a savings account with an interest rate of 'at 3% per annum', it means that the account holder will earn 3% interest on their balance over the course of a year. This annual percentage can significantly impact the growth of savings over time.When considering a loan, the phrase 'at ...% per annum' also plays a vital role. If a borrower takes out a mortgage at 'at 4% per annum', they will be required to pay back the principal amount plus interest calculated at that rate annually. Understanding this concept is essential for borrowers to estimate their monthly payments and the total cost of the loan over its duration.Moreover, the term 'per annum' itself signifies that the rate is calculated on a yearly basis. This is an important distinction because some financial products may offer interest rates that are compounded more frequently, such as monthly or quarterly. In such cases, the effective interest rate may be higher than the nominal rate stated 'at ...% per annum'. Therefore, it is crucial for individuals to read the fine print and understand how often interest is compounded when evaluating financial options.Investors also need to grasp the implications of 'at ...% per annum' when assessing potential returns on investments. For instance, if an investment fund advertises a return 'at 8% per annum', it suggests that investors can expect to see an 8% increase in their investment value each year, assuming the market conditions remain stable. However, it is important to remember that past performance does not guarantee future results, and various factors can influence actual returns.Additionally, comparing different financial products requires a clear understanding of this term. For example, one might encounter two savings accounts: one offering 'at 2% per annum' and another 'at 1.5% per annum'. At first glance, the first option seems superior. However, if the second account has no fees while the first has monthly maintenance fees, the effective return on the first account could be less favorable. Hence, consumers must evaluate all aspects of the financial products they consider.In conclusion, the phrase 'at ...% per annum' is a fundamental component of financial literacy. Whether you are saving, borrowing, or investing, understanding how this term applies to your financial decisions can lead to better outcomes. It empowers individuals to make educated choices, ensuring they maximize their earnings or minimize their costs. As we navigate through various financial opportunities, keeping this phrase in mind will help us become more adept at managing our finances effectively.

在当今的金融世界中，理解利率对于做出明智的投资和贷款决策至关重要。一个常见的短语经常出现在金融文件中，即'在...% 每年'。这个短语表示适用于特定金融产品（如贷款或投资）的年利率。例如，如果一家银行提供的储蓄账户的利率为'在3% 每年'，这意味着账户持有人将在一年内赚取其余额的3%利息。这个年百分比可以显著影响储蓄的长期增长。在考虑贷款时，短语'在...% 每年'也起着至关重要的作用。如果借款人以'在4% 每年'的利率获得抵押贷款，他们将需要偿还本金加上按该利率每年计算的利息。理解这一概念对于借款人估算每月还款额和贷款总成本至关重要。此外，术语'每年'本身意味着该利率是按年度计算的。这是一个重要的区别，因为一些金融产品可能提供更频繁的复利利率，例如每月或每季度。在这种情况下，实际利率可能高于名义利率'在...% 每年'。因此，个人在评估金融选项时，务必要仔细阅读小字，并了解利息的复利频率。投资者在评估投资潜在回报时，也需要掌握'在...% 每年'的含义。例如，如果一只投资基金宣传的回报为'在8% 每年'，这表明投资者可以期待其投资价值每年增加8%，假设市场条件保持稳定。然而，重要的是要记住，过去的表现并不能保证未来的结果，各种因素都可能影响实际回报。此外，比较不同的金融产品需要清楚理解这个术语。例如，您可能会遇到两个储蓄账户：一个提供'在2% 每年'，另一个提供'在1.5% 每年'。乍一看，第一个选项似乎更优。然而，如果第二个账户没有费用，而第一个账户有每月维护费，则第一个账户的实际回报可能不那么有利。因此，消费者必须评估他们考虑的金融产品的所有方面。总之，短语'在...% 每年'是金融素养的基本组成部分。无论您是在储蓄、借款还是投资，理解这个术语如何应用于您的财务决策可以带来更好的结果。它使个人能够做出明智的选择，确保他们最大化收益或最小化成本。当我们在各种金融机会中穿行时，牢记这个短语将帮助我们更有效地管理我们的财务。