英语学习剑桥商务英语镐京学院录制材料课件.ppt

Chen Jianhui In principle, they add different amounts to their base rate for different customers according to their perceived credit-worthiness, but in practice they apply a standard amount for most personal customers. credit-worthiness 信誉 However, they do charge much higher rates for any depositors who run up overdrafts without prior agreement. run up 积欠（账款，债务等） Banks change their base rates fairly infrequently, but because their base rates often change over the life of an overdraft, overdrafts are said to be charged interest at a floating rate. With a personal loan, a bank customer agrees to borrow a fixed sum, say ￡1,200, and also agrees a repayment schedule which might, for example, involve repaying ￡100 a month over the next year. Some personal loans are made for as long as 10 years. Interest is charged at a fixed rate that is agreed in advance. The rate on a personal loan is linked to the base rate at the time when the loan is made, but it is always higher than the base rate. in advance 事先 The addition is measured in terms of basis points. For example, if the addition in the case of one borrower is 800 basis points, then that borrower will pay a rate that is 8% above base rate, each basis point adding 0.01%. addition n. 附加费 basis point 基点，基本点 一个基点等于0.01%，是衡量市场利率变动的基本单位 The number of basis points on a loan may depend a little on the length of the loan and on the amount borrowed, but it will depend chiefly on the creditworthiness of the borrower. The stated interest rates on personal loans often look deceptively low because they may not be the actual interest rates. deceptively adv. 骗人地，靠不住地 This arises because the stated rates are sometimes expressed by working out the interest payments as a percentage of the initial loan, which would be ￡1,200 in the example given here, even though the average amount borrowed over the period of the loan is considerably lower. 这种情况的产生是因为有时把支付的利息算作首次贷款的一个百分比。在上述例子中可能是1200英镑，即使贷款期间实际借入的金额要低得多。 A mortgage is a l