内容标题25

  • <tr id='yo9LDF'><strong id='yo9LDF'></strong><small id='yo9LDF'></small><button id='yo9LDF'></button><li id='yo9LDF'><noscript id='yo9LDF'><big id='yo9LDF'></big><dt id='yo9LDF'></dt></noscript></li></tr><ol id='yo9LDF'><option id='yo9LDF'><table id='yo9LDF'><blockquote id='yo9LDF'><tbody id='yo9LDF'></tbody></blockquote></table></option></ol><u id='yo9LDF'></u><kbd id='yo9LDF'><kbd id='yo9LDF'></kbd></kbd>

    <code id='yo9LDF'><strong id='yo9LDF'></strong></code>

    <fieldset id='yo9LDF'></fieldset>
          <span id='yo9LDF'></span>

              <ins id='yo9LDF'></ins>
              <acronym id='yo9LDF'><em id='yo9LDF'></em><td id='yo9LDF'><div id='yo9LDF'></div></td></acronym><address id='yo9LDF'><big id='yo9LDF'><big id='yo9LDF'></big><legend id='yo9LDF'></legend></big></address>

              <i id='yo9LDF'><div id='yo9LDF'><ins id='yo9LDF'></ins></div></i>
              <i id='yo9LDF'></i>
            1. <dl id='yo9LDF'></dl>
              1. <blockquote id='yo9LDF'><q id='yo9LDF'><noscript id='yo9LDF'></noscript><dt id='yo9LDF'></dt></q></blockquote><noframes id='yo9LDF'><i id='yo9LDF'></i>
                考研帮 > 666彩票 > 复习经验

                干货:2021考研666彩票阅读材料:世界首例负利率贷款

                  摘要:每天坚持666彩票阅读是考研666彩票阅读正确率须要做的一件事情,帮帮整理了“2021考研666彩票阅读材料:世界首例负利率贷款”的文章,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––房贷年利率为ぷ-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Ψ 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。

                  帮帮▅友情提示:干货:2021考研英⊙语双语材料:每个人都过得不容易

                  ?考研帮免费▽公开课

                  你还在担心政治会拉分吗∞?你还不知道666彩票阅读怎么学吗?来这里:考研帮免费课程,助你冲刺政英70+!

                关于"最后阶段,真题的正确打开方式_备考经验_考研帮"15名研︽友在考研帮APP发表了观点

                扫我下载考研帮

                考研帮地方站更多

                × 关闭