年利率單利或複利
In finance, interest is the money paid for borrowing funds.
在金融中，利息為與借款有關的支付款項。
finance (n.)金融、財務Ministry of Finance 財政部financial (adj.)金融的、財務的a financial advisor 財務顧問a financial crisis 金融危機
It can either be earned by lenders or paid by borrowers.
它可以由貸方賺取或由借方支付。
either A or B 不是A就是B
Interest is commonly associated with mortgages, all types of loans, credit cards and savings accounts.
利息通常與抵押貸款、各類貸款、信用卡和儲蓄帳戶有關。
be associated with 與...有關聯mortgage (n.)抵押貸款、房貸loan (n.)貸款、借款apply for(take out) a loan 申請貸款
In all of these cases, interest payments are made by the borrower of the funds to the lender to compensate them for the risk of lending the funds.
在所有這些情況下，借款人向貸方支付利息以補償他們承擔的借款風險。
compensate (v.)補償compensate for the client’s loss 補償客戶的損失
Usually shown as an annual percentage rate (APR), interest can be charged in two ways.
利息通常以年利率（APR）顯示，可以通過兩種方式收取。
percentage (n.) 百分比例charge (v.)收費、充電
Simple interest is only charged based on the principal amount of the money loaned, while compound interest is based on the principal plus interest already earned.
單利利息僅根據貸出的本金收取，而複利則是基於本金加上已賺取的利息收取。
principal (n.)本金
Different types of interest rates can be set by a government’s central bank.
政府的中央銀行可以訂定不同類型的利率。
set (v.)訂定、決定(三態：set-set-set)
However, a borrower’s good credit score can also help them get lower interest rates as they are seen as less of a risk to lenders due to their regular payment on loans.
但是，借款人良好的信用評分也可以幫助他們獲得更低的利率，因為他們定期償還貸款減少了貸方的風險。
regular (adj.) 定時的、規律的、普通的
One common way that people can earn interest is by keeping money in savings accounts at banks, which are normally credited with interest payments monthly.
一種人們可以賺取利息的常見方式是將錢存入銀行的儲蓄帳戶，銀行通常每月支付利息。
checking account 支票帳戶credit (v.) 把錢存入帳戶
Banks use the money in customers’ savings to let other clients borrow through loans.
銀行會將客戶存款通過貸款借給其他客戶。
Due to the risks, money is paid to the account holder for these loans.
因為貸款涉及風險，所以會支付利息給帳戶持有人。
holder (n.)持有人、擁有人shareholder (n.)股東