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发表于 4-7-2012 12:20:25|来自:新加坡
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qguan 发表于 4-7-2012 11:48
这样算的话,实际利率并不是1.88%,要高不少,所以利息也很贵呀。
As interest rates may not be quoted on the same basis, always compare the Effective Interest Rate (EIR). This reflects the actual interest cost of your loan. If your loan is quoted on a flat rate basis, ask the bank for the EIR. Illustration 5 – Effective Interest Rates A car loan of $60,000 repayable over 5 years at a flat rate of 2.6% p.a. has an EIR of 5.092% p.a. 有效利率差不多是flat利率的两倍。 |
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