2021考研英语阅读材料:世界首例负利率贷款
时光如梭,英语复习一直是考研路上的一道难以跨越的砍,得阅读者,得英语。而坚持英语阅读是考研英语拿高分必须要做的一件事情,下面小编整理了2021考研英语阅读材料:世界首例负利率贷款,希望对大家有所帮助。
A Danish bank has launched the world's first negative interest rate mortgage &ndash handing outloans to homeowners where the charge is minus 0.5% a year.
一家丹麦银行推出了世界首例负利率按揭贷款––房贷年利率为-0.5%。
Negative interest rates effectively mean that a bank pays a borrower to take money off theirhands, so they pay back less than they have been loaned.
负利率的意思是,银行付钱让借贷者使用资金,贷款人还的钱比借的钱还少。
Jyske Bank, Denmark's third largest, has begun offering borrowers a 10-year deal at -0.5%, while another Danish bank, Nordea, says it will begin offering 20-year fixed-rate deals at 0% and a 30-year mortgage at 0.5%.
丹麦第三大银行日德兰银行已经开始向借贷者提供年利率为-0.5%的十年期贷款,而另一家丹麦银行诺底亚银行将开始提供固定年利率为0%的20年期贷款和年利率为0.5%的30年期贷款。
Under its negative mortgage, Jyske said borrowers will make a monthly repayment as usual &ndash but the amount still outstanding will be reduced each month by more than the borrower haspaid.
日德兰银行称,申请负利率贷款的借贷者将如常支付月供,但余下贷款每月扣除额将多于每月还款额。
"We don't give you money directly in your hand, but every month your debt is reduced by morethan the amount you pay," said Jyske's housing economist, Mikkel H?egh.
日德兰银行的房产经济学家米克欧·赫格说:“我们不会直接把钱给你,但每个月你的债务减少额会高于你的还款金额。”
The mortgage is possible because Denmark, as well as Sweden and Switzerland, has seenrates in money markets drop to levels that turn banking upside-down.
这种贷款之所以可行,是因为在丹麦、瑞典、瑞士这些国家,货币市场的利率降幅已经让银行业务出现“倒挂”。
H?egh said Jyske Bank is able to go into money markets and borrow from institutionalinvestors at a negative rate, and is simply passing this on to its customers.
赫格说,日德兰银行能够以负利率从货币市场和机构投资人那里借到钱,现在只不过是将这种借款方式用于银行客户。
But the flipside is that savers will see nothing paid in interest on their deposits &ndash and may alsosuffer as they go negative.
不过有利就有弊,储户将发现自己的存款毫无收益,如果变成负利率的话存款甚至会减少。
In Switzerland, the bank UBS last week told its wealthy clients that it would introduce a chargeof 0.6% a year if they deposited more than 500,000 euros.
在瑞士,瑞士联合银行上周告诉有钱的客户说,如果他们的存款超过50万欧元(约合人民币392万元),将收取0.6%的年费。
In Denmark, interest rates on savings deposited in Jyske have already fallen to zero. Nowbanks in Denmark are thinking of following Switzerland and moving to negative rates ondeposits.
在丹麦,日德兰银行的存款利率已经降到了0。现在丹麦的银行正考虑跟随瑞士的脚步,对存款实行负利率。
"Right now, for deposits we don't have a negative interest rate. But discussions are ongoing atthe very highest level. It's just that no bank here wants to be the first mover into negativedeposit rates," said H?egh.
赫格说:“目前我们没有对存款实行负利率。不过高层正在对此进行讨论。问题在于没有哪家银行愿意成为第一个吃螃蟹的人,率先实行存款负利率。”
While the Bank of England's base rate is 0.75%, and the European Central Bank's main rate iszero, in Denmark (which is not in the eurozone) the equivalent rate is -0.4%.
目前英格兰银行的基本利率为0.75%,欧洲中央银行的主要利率为0,而不在欧元区内的丹麦相应的利率为-0.4%。
In reality, the Jyske mortgage borrower in Denmark is likely to end up paying back a littlemore than they borrowed, as there are still fees and charges to pay to compensate the bankfor arranging the deal, even when the nominal rate is negative.
事实上,即使名义利率为负数,丹麦日德兰银行的借贷者最后偿还的金额还是会比贷款金额高一点,因为要向银行支付交易服务费作为补偿。
(注:本文来自网络,如有侵权,请联系删除)
2022考研初复试已经接近尾声,考研学子全面进入2023届备考,跨考为23考研的考生准备了10大课包全程准备、全年复习备考计划、目标院校专业辅导、全真复试模拟练习和全程针对性指导;2023考研的小伙伴针也已经开始择校和复习了,跨考考研畅学5.0版本全新升级,无论你在校在家都可以更自如的完成你的考研复习,暑假集训营带来了院校专业初步选择,明确方向;考研备考全年规划,核心知识点入门;个性化制定备考方案,助你赢在起跑线,早出发一点离成功就更近一点!
考研院校专业选择和考研复习计划 | |||
2023备考学习 | 2023线上线下随时学习 | 34所自划线院校考研复试分数线汇总 | |
2022考研复试最全信息整理 | 全国各招生院校考研复试分数线汇总 | ||
2023全日制封闭训练 | 全国各招生院校考研调剂信息汇总 | ||
2023考研先知 | 考研考试科目有哪些? | 如何正确看待考研分数线? | |
不同院校相同专业如何选择更适合自己的 | 从就业说考研如何择专业? | ||
手把手教你如何选专业? | 高校研究生教育各学科门类排行榜 |
相关推荐
跨考考研课程
班型 | 定向班型 | 开班时间 | 高定班 | 标准班 | 课程介绍 | 咨询 |
秋季集训 | 冲刺班 | 9.10-12.20 | 168000 | 24800起 | 小班面授+专业课1对1+专业课定向辅导+协议加强课程(高定班)+专属规划答疑(高定班)+精细化答疑+复试资源(高定班)+复试课包(高定班)+复试指导(高定班)+复试班主任1v1服务(高定班)+复试面授密训(高定班)+复试1v1(高定班) | |
2023集训畅学 | 非定向(政英班/数政英班) | 每月20日 | 22800起(协议班) | 13800起 | 先行阶在线课程+基础阶在线课程+强化阶在线课程+真题阶在线课程+冲刺阶在线课程+专业课针对性一对一课程+班主任全程督学服务+全程规划体系+全程测试体系+全程精细化答疑+择校择专业能力定位体系+全年关键环节指导体系+初试加强课+初试专属服务+复试全科标准班服务 |