explicit rate

简明释义

外现利率

英英释义

例句

1.When comparing loans, it's essential to look at the explicit rate rather than just promotional rates.

在比较贷款时，查看明确利率而不仅仅是促销利率是至关重要的。

2.The explicit rate provided by the insurance policy helps customers understand their premiums better.

保险政策提供的明确费率帮助客户更好地理解他们的保费。

3.Investors should always consider the explicit rate of return when evaluating potential investments.

投资者在评估潜在投资时应始终考虑明确回报率。

4.The bank offers an explicit rate for its savings accounts, which is clearly stated in the terms and conditions.

银行为其储蓄账户提供了一个明确利率，在条款和条件中清楚说明。

5.A clear explicit rate is crucial for transparency in financial agreements.

在金融协议中，清晰的明确利率对透明度至关重要。

作文

In the world of finance and economics, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about interest rates is the explicit rate. The explicit rate refers to the stated interest rate on a financial product, such as a loan or an investment. It is the rate that is clearly specified in the terms and conditions of the agreement, allowing borrowers and investors to know exactly what they will be paying or earning over time.To illustrate the importance of the explicit rate, let’s consider a scenario where an individual is looking to take out a mortgage. When comparing different mortgage offers, the explicit rate becomes a key factor. It allows the individual to assess how much interest they will pay over the life of the loan. For instance, if one lender offers a mortgage with a explicit rate of 3.5% while another offers 4%, the borrower can easily identify which option is more favorable based on this rate alone.However, it is essential to note that the explicit rate does not tell the whole story. Borrowers must also consider other factors, such as fees, points, and the overall cost of the loan. These additional costs can significantly affect the total amount paid over time, even if one option has a lower explicit rate. Therefore, while the explicit rate provides a clear starting point for comparison, it should not be the sole factor in decision-making.Moreover, the concept of the explicit rate extends beyond mortgages to various financial products, including savings accounts, bonds, and personal loans. In each case, the explicit rate serves as a benchmark for evaluating the potential return on investment or the cost of borrowing. For example, when investing in bonds, the explicit rate indicates the interest income an investor can expect to receive. A higher explicit rate typically signifies a more attractive investment opportunity, assuming other risks are comparable.Additionally, understanding the explicit rate is vital for consumers to protect themselves against deceptive practices. Some lenders may advertise a low explicit rate but include hidden fees that inflate the overall cost of borrowing. By being aware of the explicit rate and asking questions about any associated fees, consumers can make better-informed choices and avoid falling into financial traps.In conclusion, the explicit rate is a fundamental concept in finance that represents the clear and stated interest rate on loans and investments. It plays a significant role in helping individuals compare financial products and make informed decisions. However, it is crucial to look beyond the explicit rate and consider all associated costs and terms before committing to any financial agreement. By doing so, consumers can ensure they are making the best possible decisions for their financial future.

在金融和经济的世界中，理解各种术语对于做出明智的决定至关重要。其中一个常常出现在利率讨论中的术语是explicit rate。explicit rate指的是金融产品（如贷款或投资）上的明确利率。这是协议条款中清楚说明的利率，使借款人和投资者能够确切知道他们在一段时间内将支付或赚取多少。为了说明explicit rate的重要性，让我们考虑一个个人希望申请抵押贷款的场景。在比较不同的抵押贷款报价时，explicit rate成为关键因素。它使个人能够评估在贷款期限内将支付多少利息。例如，如果一个贷方提供的抵押贷款的explicit rate为3.5%，而另一个提供4%，借款人可以轻松识别哪个选项在仅根据这一利率的情况下更有利。然而，重要的是要注意，explicit rate并不能完全反映实际情况。借款人还必须考虑其他因素，如费用、点数和贷款的整体成本。这些额外的费用可能会显著影响总支付金额，即使一个选项的explicit rate较低。因此，尽管explicit rate提供了比较的明确起点，但不应成为决策的唯一因素。此外，explicit rate的概念不仅限于抵押贷款，还扩展到各种金融产品，包括储蓄账户、债券和个人贷款。在每种情况下，explicit rate作为评估投资潜在回报或借款成本的基准。例如，在投资债券时，explicit rate表示投资者可以预期收到的利息收入。较高的explicit rate通常意味着更具吸引力的投资机会，假设其他风险相当。此外，理解explicit rate对消费者保护自己免受欺诈行为至关重要。一些贷方可能会宣传较低的explicit rate，但包括隐藏费用，从而抬高总体借款成本。通过了解explicit rate并询问任何相关费用，消费者可以做出更明智的选择，避免陷入财务陷阱。总之，explicit rate是金融中的一个基本概念，代表贷款和投资的明确和声明的利率。它在帮助个人比较金融产品和做出明智决策方面发挥着重要作用。然而，在承诺任何金融协议之前，考虑所有相关成本和条款至关重要。这样，消费者可以确保为自己的财务未来做出最佳决策。