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发表于 2009-1-6 18:48
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Prime rate
Prime rate originally referred to the interest rate at which banks lent to
4 e1 i. O; u; F6 i% b8 yfavored (prime) customers, i.e., those with high credibility,7 _- C0 R/ v8 c( b
though this is no longer always the case. 6 R9 E9 I* F" d% X" O1 h
* d) e/ d8 j. ~% ?在房屋贷款中,Prime rate 实际上充当一个参考利率的作用, 有时翻译成“基准利率”。1 v0 F I% U! ^, q+ a- a* v
- s2 F$ c6 x* t- Z v提到温度,我们知道冰水混合物为零度,提到海拔,我们知道海平面的概念。+ \2 e' ?/ D+ x
( S& n/ t7 G: X* n. z2 n同样道理,一般浮动利息的房屋贷款(variable-rate mortgage)都以Prime rate ( z3 |8 n( M, O" o' J
作参考值,其利率一般为 Prime rate 或加或减一个百分数。/ @* [* x1 M7 M- c9 T- h7 t
现在,variable rate mortgage 的利息一般为
W3 q: x8 V; FPrime + 1%, Prime rate 为2.5%.4 h- I6 Z1 C# \; |9 C1 ]" N. o
! x4 g% \7 H- j+ F5 u# U[ 本帖最后由 艳丽贷款 于 2009-4-1 09:57 编辑 ] |
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