rate per annum

简明释义

年息率

英英释义

例句

1.The bank offers a savings account with an interest rate per annum of 2.5%.

这家银行提供的储蓄账户的利息年利率为2.5%。

2.The rate per annum for government bonds is typically lower than that of corporate bonds.

政府债券的年利率通常低于公司债券的利率。

3.The loan agreement specifies a fixed rate per annum of 6% for the duration of the loan.

贷款协议规定在贷款期间的固定年利率为6%。

4.When comparing different investment options, always check the rate per annum to find the best deal.

在比较不同的投资选项时，总是要查看年利率以找到最好的交易。

5.To calculate your investment returns, you need to know the rate per annum for your chosen asset.

要计算投资回报，您需要知道所选资产的年利率。

作文

Understanding financial terms is crucial for anyone looking to manage their money effectively. One such term that often comes up in discussions about loans, investments, and savings is the phrase rate per annum. This term refers to the annual interest rate applied to a financial product, such as a loan or investment, and is typically expressed as a percentage. For example, if a bank offers a savings account with a rate per annum of 3%, it means that for every $100 deposited, the account holder will earn $3 in interest over the course of a year. The concept of rate per annum is essential for understanding how interest accumulates over time. When you take out a loan, the lender charges you interest based on the rate per annum. If you borrow $1,000 at an interest rate per annum of 5%, you would owe $50 in interest after one year. Understanding this helps borrowers make informed decisions about which loans to take and how much they will ultimately pay back.In the realm of investments, the rate per annum is equally significant. Investors need to know how much return they can expect from their investments over a year. A higher rate per annum indicates a potentially more profitable investment, but it may also come with higher risks. For instance, stocks may offer a higher rate per annum compared to bonds, but they also come with greater volatility and uncertainty. Therefore, understanding the implications of the rate per annum can help investors balance their portfolios according to their risk tolerance.Moreover, when comparing different financial products, the rate per annum serves as an important benchmark. For example, when shopping for a mortgage, potential homeowners should compare the rate per annum offered by various lenders. A difference of just a few percentage points can lead to significant savings over the life of a loan. Hence, being aware of the rate per annum allows consumers to choose the most cost-effective options.Additionally, it's worth noting that the rate per annum can be affected by various factors, including inflation, central bank policies, and economic conditions. For instance, during times of economic growth, interest rates may rise as demand for borrowing increases. Conversely, in a recession, central banks may lower the rate per annum to encourage spending and investment. Keeping an eye on these trends can help individuals and businesses make better financial decisions.In conclusion, the term rate per annum is a fundamental concept in finance that plays a vital role in personal and business financial planning. Whether you are saving money, taking out a loan, or investing, understanding how the rate per annum works can empower you to make informed choices that align with your financial goals. By grasping this concept, you can navigate the financial landscape more effectively and set yourself up for a more secure financial future.

理解金融术语对任何希望有效管理自己资金的人来说都是至关重要的。其中一个常常在贷款、投资和储蓄讨论中出现的术语是短语rate per annum。这个术语指的是应用于金融产品（如贷款或投资）的年利率，通常以百分比表示。例如，如果一家银行提供的储蓄账户的rate per annum为3%，这意味着每存入100美元，账户持有者在一年内将赚取3美元的利息。rate per annum的概念对于理解利息如何随着时间的推移而积累至关重要。当你申请贷款时，贷方会根据rate per annum向你收取利息。如果你以5%的rate per annum借款1000美元，那么在一年后，你将欠下50美元的利息。理解这一点可以帮助借款人做出明智的决定，选择哪些贷款以及最终需要偿还多少。在投资领域，rate per annum同样重要。投资者需要知道他们可以期待在一年内从投资中获得多少回报。较高的rate per annum表明潜在的更高利润，但也可能伴随更高的风险。例如，股票可能提供比债券更高的rate per annum，但它们也伴随更大的波动性和不确定性。因此，理解rate per annum的含义可以帮助投资者根据自身的风险承受能力平衡投资组合。此外，在比较不同的金融产品时，rate per annum作为一个重要的基准。例如，在寻找抵押贷款时，潜在的房主应比较各种贷方提供的rate per annum。仅仅几个百分点的差异可能在贷款的生命周期内导致巨大的节省。因此，了解rate per annum使消费者能够选择最具成本效益的选项。另外，需要注意的是，rate per annum可能受到多种因素的影响，包括通货膨胀、中央银行政策和经济状况。例如，在经济增长时期，随着借款需求的增加，利率可能会上升。相反，在衰退期间，中央银行可能会降低rate per annum以鼓励消费和投资。关注这些趋势可以帮助个人和企业做出更好的财务决策。总之，术语rate per annum是金融中的一个基本概念，在个人和商业财务规划中发挥着重要作用。无论你是在储蓄、申请贷款还是投资，理解rate per annum的运作方式都可以使你做出符合财务目标的明智选择。通过掌握这一概念，你可以更有效地驾驭金融环境，为自己建立一个更加安全的财务未来。