annual percentage rate

简明释义

年百分率

英英释义

例句

1.It's important to compare the annual percentage rates (年利率) of different lenders before making a decision.

在做出决定之前，比较不同贷款机构的年利率 (annual percentage rate)非常重要。

2.Credit cards often have high annual percentage rates (年利率), which can lead to significant debt if not managed properly.

信用卡通常具有较高的年利率 (annual percentage rate)，如果管理不当可能导致巨额债务。

3.Before signing the mortgage agreement, carefully review the annual percentage rate (年利率) to ensure it fits your budget.

在签署抵押贷款协议之前，仔细审查年利率 (annual percentage rate)，以确保它符合您的预算。

4.When applying for a loan, make sure to check the annual percentage rate (年利率) to understand the true cost of borrowing.

申请贷款时，务必查看年利率 (annual percentage rate)，以了解借款的真实成本。

5.The annual percentage rate (年利率) on this personal loan is lower than what I expected.

这笔个人贷款的年利率 (annual percentage rate)比我预期的要低。

作文

Understanding financial terms is crucial for anyone looking to manage their personal finances effectively. One of the most important concepts to grasp is the annual percentage rate, often abbreviated as APR. The annual percentage rate is a measure that reflects the total cost of borrowing on a yearly basis, expressed as a percentage. This figure includes not only the interest rate but also any additional fees or costs associated with the loan. Therefore, it provides borrowers with a clearer picture of what they will actually pay over the course of a year.When taking out a loan or using a credit card, consumers are often presented with an interest rate. However, this number alone can be misleading. For instance, a loan might have a low interest rate but high fees, resulting in a much higher annual percentage rate. Understanding this concept is essential because it allows individuals to compare different lending options more accurately.For example, if you are considering two different credit cards, one may advertise a 12% interest rate while another offers a 15% rate. At first glance, it seems like the first card is the better option. However, if the first card has a $100 annual fee and the second card has no fees at all, the true cost of using the first card could be much higher when calculated as an annual percentage rate. This is why it’s vital to look beyond just the interest rate and consider the overall cost reflected in the annual percentage rate.Moreover, the annual percentage rate is not only applicable to loans and credit cards but also to mortgages and other forms of credit. When shopping for a mortgage, for example, potential homeowners should always ask for the annual percentage rate. This will help them understand how much they will be paying in interest and fees over the life of the loan. A lower annual percentage rate can save thousands of dollars over time, making it a critical factor in the decision-making process.It is also important to note that the annual percentage rate can vary based on several factors, including the borrower’s credit score, the type of loan, and the lender's policies. Borrowers with higher credit scores typically qualify for lower annual percentage rates, which can significantly reduce the overall cost of borrowing. Therefore, improving your credit score can be a wise financial strategy if you plan to take out a loan in the future.In conclusion, the annual percentage rate is a fundamental concept that everyone should understand when dealing with loans and credit. It serves as a comprehensive measure of the cost of borrowing, allowing consumers to make informed financial decisions. By paying attention to the annual percentage rate, individuals can avoid costly mistakes and choose the best financial products for their needs. Educating oneself about this term and its implications can lead to better financial health and smarter spending habits in the long run.

理解金融术语对于任何希望有效管理个人财务的人来说都是至关重要的。其中一个最重要的概念是年百分比率，通常缩写为APR。年百分比率是一个衡量借款总成本的指标，以百分比形式表示，反映了借款的年度成本。这个数字不仅包括利率，还包括与贷款相关的任何额外费用或成本。因此，它为借款人提供了更清晰的了解他们在一年内实际支付的金额。在申请贷款或使用信用卡时，消费者通常会看到一个利率。然而，仅凭这个数字可能会产生误导。例如，一笔贷款可能有较低的利率，但高额的费用，导致其年百分比率远高于预期。理解这一概念至关重要，因为它使个人能够更准确地比较不同的借贷选项。例如，如果你正在考虑两种不同的信用卡，一张可能宣传12%的利率，而另一张则提供15%的利率。乍一看，似乎第一张卡是更好的选择。然而，如果第一张卡有100美元的年费，而第二张卡没有费用，那么在计算年百分比率时，使用第一张卡的真实成本可能会高得多。这就是为什么必须超越利率，仅考虑在年百分比率中反映的整体成本。此外，年百分比率不仅适用于贷款和信用卡，还适用于抵押贷款和其他形式的信用。在寻找抵押贷款时，例如，潜在的房主应该始终询问年百分比率。这将帮助他们理解在贷款期限内将支付多少利息和费用。较低的年百分比率可以节省数千美元，因此在决策过程中是一个关键因素。还需要注意的是，年百分比率可能因多个因素而异，包括借款人的信用评分、贷款类型和贷方的政策。信用评分较高的借款人通常能够获得较低的年百分比率，这可以显著降低借款的总体成本。因此，提高你的信用评分可以成为未来申请贷款的明智财务策略。总之，年百分比率是每个人在处理贷款和信用时都应理解的基本概念。它作为借款成本的综合衡量标准，使消费者能够做出明智的财务决策。通过关注年百分比率，个人可以避免代价高昂的错误，并选择最适合自己需求的金融产品。教育自己关于这个术语及其影响，可以在长期内促进更好的财务健康和更聪明的消费习惯。