Definition

1. Noun:
   • Interest Rate: The percentage of a sum of money (the principal) that is charged by a lender to a borrower for the use of that money, or that is paid by a bank to a depositor for keeping money in an account. It is typically expressed as an annual percentage.

Usage Examples

• Noun:
  • Ngân hàng đã tăng lãi suất cho vay. (The bank increased its loan interest rate.)
  • Lãi suất tiền gửi tiết kiệm hiện nay khá thấp. (The savings deposit interest rate is currently quite low.)
  • Công ty phải vay vốn với lãi suất cao. (The company had to borrow capital at a high interest rate.)

Advanced Usage

• "lãi suất cơ bản": base interest rate, prime rate.

  • Ngân hàng nhà nước công bố lãi suất cơ bản mới. (The state bank announced a new base interest rate.)

• "lãi suất thả nổi": floating interest rate, variable interest rate.

  • Khoản vay mua nhà của họ có lãi suất thả nổi. (Their home loan has a floating interest rate.)

Variants and Related Words

• Lãi suất danh nghĩa (n): nominal interest rate.
• Lãi suất thực (n): real interest rate (adjusted for inflation).
• Lãi (n): profit, interest (the monetary amount earned).
• Suất (n): rate, proportion.

Synonyms

• Rate of interest: The proportion of an amount of money that is charged or paid over a period.
• Finance charge rate: The rate at which a finance charge is applied (more specific to credit).

Related Terms and Phrases

• Trần lãi suất: interest rate cap.

  • Chính phủ áp dụng trần lãi suất để bảo vệ người vay. (The government applied an interest rate cap to protect borrowers.)

• Điều chỉnh lãi suất: to adjust the interest rate.

  • Cục Dự trữ Liên bang sẽ điều chỉnh lãi suất vào tháng tới. (The Federal Reserve will adjust the interest rate next month.)

1. Interest rate