adjusted rate

简明释义

修正率

英英释义

例句

1.The adjusted rate for the mortgage was calculated based on the current interest rates.

基于当前利率，计算出的房贷调整利率。

2.Due to inflation, the government announced an adjusted rate for social security benefits.

由于通货膨胀，政府宣布了社会保障福利的调整利率。

3.The bank offered a lower adjusted rate for customers with excellent credit scores.

银行为信用评分优秀的客户提供了更低的调整利率。

4.After reviewing the market conditions, the company decided to implement an adjusted rate for their service fees.

在审查市场情况后，公司决定对其服务费用实施调整费率。

5.Investors were pleased to see that the adjusted rate on their bonds had increased this quarter.

投资者看到他们债券的调整利率在本季度有所上升，感到高兴。

作文

In today’s economic landscape, understanding financial terms is crucial for individuals and businesses alike. One such term that often arises in discussions about loans, mortgages, and investments is the adjusted rate. The adjusted rate refers to a modified interest rate that has been altered to reflect changes in the market or the borrower's circumstances. This concept is particularly important when considering variable interest rates, which can fluctuate based on economic conditions.When a borrower takes out a loan with a variable interest rate, the lender may periodically adjust the interest rate based on a benchmark index. This is where the adjusted rate comes into play. For instance, if a borrower initially secures a loan at a fixed rate of 5%, but after a year, the market interest rates rise, the lender may increase the borrower’s rate to an adjusted rate of 6%. This adjustment can significantly impact the total cost of borrowing over the life of the loan.Moreover, the adjusted rate can also be influenced by other factors such as the borrower’s credit score, payment history, and the overall economic environment. For example, if a borrower’s credit score improves, they may qualify for a lower adjusted rate, thereby reducing their monthly payments and overall interest costs. On the other hand, if their financial situation worsens, the lender may increase the adjusted rate, leading to higher payments.Understanding how the adjusted rate works is essential for anyone looking to make informed financial decisions. It allows borrowers to anticipate potential changes in their payment obligations and plan their budgets accordingly. Additionally, being aware of the factors that influence the adjusted rate can empower borrowers to take steps to improve their creditworthiness and secure better loan terms.In the context of investments, the adjusted rate can also refer to the returns on investment that have been modified to account for various factors such as inflation or risk. Investors often seek to understand the adjusted rate of return to evaluate the true profitability of their investments. For example, if an investment yields a nominal return of 10%, but inflation is 3%, the real adjusted rate of return would be approximately 7%. This adjusted figure provides a clearer picture of the investment's performance.As we navigate through financial markets and make decisions regarding loans or investments, the concept of the adjusted rate becomes increasingly relevant. It is not just a number; it represents the dynamic nature of finance and the importance of adaptability in our financial strategies. By understanding and monitoring the adjusted rate, individuals can make more informed choices that align with their financial goals.In conclusion, the adjusted rate is a vital aspect of financial literacy that affects both borrowers and investors. Whether dealing with loans or assessing investment returns, recognizing how the adjusted rate is determined and its implications can lead to better financial outcomes. As we continue to engage with financial products and services, keeping an eye on the adjusted rate will enable us to navigate the complexities of the financial world more effectively.

在当今的经济环境中，理解金融术语对于个人和企业都至关重要。其中一个经常出现在贷款、抵押贷款和投资讨论中的术语是调整利率。调整利率指的是经过修改的利率，该利率已被改变以反映市场或借款人情况的变化。这个概念在考虑可变利率时尤为重要，因为可变利率会根据经济条件波动。当借款人以可变利率贷款时，贷方可能会根据基准指数定期调整利率。这就是调整利率发挥作用的地方。例如，如果借款人最初以5%的固定利率获得贷款，但在一年后，市场利率上升，贷方可能会将借款人的利率提高到6%的调整利率。这种调整可能会显著影响贷款生命周期内的总借款成本。此外，调整利率还可能受到其他因素的影响，例如借款人的信用评分、还款历史和整体经济环境。例如，如果借款人的信用评分提高，他们可能有资格获得更低的调整利率，从而减少每月还款和整体利息成本。另一方面，如果他们的财务状况恶化，贷方可能会提高调整利率，导致更高的还款。了解调整利率的工作原理对任何希望做出明智财务决策的人来说都是必不可少的。这使借款人能够预见潜在的支付义务变化，并相应地规划预算。此外，了解影响调整利率的因素可以使借款人采取措施改善信用状况，从而获得更好的贷款条款。在投资的背景下，调整利率也可以指经过修改以考虑各种因素（如通货膨胀或风险）的投资回报。投资者通常寻求了解调整利率的回报，以评估其投资的真实盈利能力。例如，如果一项投资的名义回报为10%，但通货膨胀为3%，那么实际的调整利率回报大约为7%。这个调整后的数字提供了投资表现的更清晰的图景。随着我们在金融市场中导航并做出有关贷款或投资的决策，调整利率的概念变得越来越相关。它不仅仅是一个数字；它代表了金融的动态特性以及在我们的金融策略中适应性的重要性。通过理解和监测调整利率，个人可以做出更明智的选择，使其与财务目标保持一致。总之，调整利率是金融素养的一个重要方面，影响借款人和投资者。无论是在处理贷款还是评估投资回报时，认识到调整利率是如何确定的及其影响，可以带来更好的财务结果。随着我们继续参与金融产品和服务，关注调整利率将使我们能够更有效地驾驭金融世界的复杂性。