annual percentage rate

简明释义

年百分率年百分比利率

英英释义

例句

1.A lower annual percentage rate 年利率 can save you money over the life of your mortgage.

较低的年利率 annual percentage rate 可以在你的抵押贷款期间为你节省资金。

2.Credit cards often have high annual percentage rates 年利率, making it easy to accumulate debt.

信用卡通常有高年利率 annual percentage rates，这使得积累债务变得容易。

3.The annual percentage rate 年利率 is a key factor in determining how much you'll pay in interest.

在确定你将支付多少利息时，年利率 annual percentage rate 是一个关键因素。

4.Before signing any agreement, make sure you understand the annual percentage rate 年利率 and any associated fees.

在签署任何协议之前，确保你了解年利率 annual percentage rate 和相关费用。

5.When applying for a loan, it's important to compare the annual percentage rate 年利率 offered by different lenders.

申请贷款时，比较不同贷方提供的年利率 annual percentage rate 是很重要的。

作文

Understanding financial terms is crucial for making informed decisions in today's economy. One such term that plays a significant role in borrowing and lending is the annual percentage rate. The annual percentage rate (APR) represents the yearly interest generated by a sum that's charged to borrowers or paid to investors. It is expressed as a percentage and gives a clear picture of the cost of borrowing money or the return on an investment over a year. When considering a loan, whether it be for a car, a mortgage, or personal finance, understanding the annual percentage rate is essential. This figure not only reflects the interest rate but also includes any additional fees or costs associated with the loan. For instance, if you take out a loan with a nominal interest rate of 5% but there are additional fees that add up, the annual percentage rate might be higher than 5%. This means that the actual cost of borrowing will be more than what the nominal rate suggests.Moreover, the annual percentage rate allows consumers to compare different loan offers effectively. Without this standardization, it would be challenging to determine which lender offers the best deal. For example, one lender might advertise a low interest rate, but when you calculate the annual percentage rate, you may find that another lender offers a better overall deal when fees are taken into account. In addition to loans, the annual percentage rate also applies to credit cards. Credit cards often come with high-interest rates, and understanding the annual percentage rate can help individuals manage their debt better. If someone carries a balance on their credit card, the annual percentage rate will determine how much interest accumulates over time. A higher APR means that the debt can grow quickly, leading to a cycle of borrowing that can be hard to escape. It’s important to note that the annual percentage rate does not reflect the total cost of borrowing over the life of the loan. For longer-term loans, such as mortgages, the total cost can be significantly higher due to the compounding of interest over many years. Therefore, while the annual percentage rate provides a useful snapshot, it is crucial to consider other factors such as the loan term, type of interest (fixed or variable), and repayment schedule.In summary, the annual percentage rate is a vital tool for anyone looking to borrow money or invest. It simplifies the comparison of different financial products and helps consumers understand the true cost of borrowing. By grasping the implications of the annual percentage rate, individuals can make better financial decisions that align with their goals and circumstances. Ultimately, being informed about financial terms like the annual percentage rate empowers people to navigate their financial futures with confidence.

理解金融术语对在当今经济中做出明智的决策至关重要。一个在借贷中起着重要作用的术语是年利率。年利率（APR）表示由一笔金额产生的每年利息，收取给借款人或支付给投资者。它以百分比表示，并清晰地展示了借款的成本或投资的回报。在考虑贷款时，无论是汽车贷款、抵押贷款还是个人融资，理解年利率是必不可少的。这个数字不仅反映了利率，还包括与贷款相关的任何额外费用或成本。例如，如果你获得一笔名义利率为5%的贷款，但还有其他费用累积，那么年利率可能会高于5%。这意味着借款的实际成本将超过名义利率所暗示的。此外，年利率使消费者能够有效比较不同的贷款报价。如果没有这种标准化，确定哪个贷方提供最佳交易将是困难的。例如，一个贷方可能宣传低利率，但当你计算年利率时，可能会发现另一家贷方在考虑费用后提供更好的整体交易。除了贷款，年利率还适用于信用卡。信用卡通常具有较高的利率，理解年利率可以帮助个人更好地管理债务。如果某人在信用卡上有余额，年利率将决定随时间累积的利息。较高的APR意味着债务可能迅速增长，从而导致难以摆脱的借款循环。需要注意的是，年利率并不反映贷款整个生命周期内的总借款成本。对于长期贷款，如抵押贷款，由于多年的利息复利，总成本可能会显著增加。因此，尽管年利率提供了有用的快照，但考虑其他因素，例如贷款期限、利率类型（固定或浮动）和还款计划也至关重要。总之，年利率是任何希望借款或投资的人的重要工具。它简化了不同金融产品的比较，并帮助消费者了解借款的真实成本。通过掌握年利率的含义，个人可以做出更符合其目标和情况的财务决策。最终，了解像年利率这样的金融术语使人们能够自信地驾驭他们的财务未来。