interest accrual / interest rate
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interest accrual
The process by which interest is paid or credited on invested capital.
Die Verzinsung des Kapitals erfolgt jeweils am Ende des Jahres.
Interest accrual on the capital takes place at the end of each year.
The word is derived from the noun 'der Zins' (interest) and the verb 'verzinsen' (to pay interest on / to bear interest). The ending '-ung' describes the process or result of earning or paying interest.
Die Bank verzinst mein Sparguthaben leider nur sehr niedrig.
Unfortunately, the bank pays only very low interest on my savings.
You can recognize the two meanings from context. If the process is meant, verbs like 'erfolgen' (to take place) are used. If it is about the amount, you often find numbers, percentages, or adjectives like 'hoch' (high) and 'niedrig' (low).
Die Verzinsung erfolgt immer zum Quartalsende.
Interest accrual always takes place at the end of the quarter.
When the process of paying interest is meant, you often hear phrases like 'die Verzinsung des Kapitals' (interest accrual on the capital), 'die jährliche Verzinsung' (annual interest accrual), or 'die Verzinsung beginnt ab…' (interest accrual begins from…).
Die Verzinsung des angelegten Geldes beginnt mit dem ersten Tag.
Interest accrual on the invested money begins on the first day.
When the amount of the interest rate is meant, typical combinations are 'eine hohe/niedrige Verzinsung anbieten' (to offer a high/low interest rate), 'eine gute Verzinsung bekommen' (to get a good interest rate), or 'die Verzinsung beträgt ... Prozent' (the interest rate is ... percent).
Für dieses Konto erhalten Sie eine feste Verzinsung für die nächsten zwei Jahre.
For this account, you receive a fixed interest rate for the next two years.
interest
'der Zins' and 'die Verzinsung' both refer to money that arises through an interest rate. 'Zins' usually means the concrete amount that you receive or have to pay. 'Verzinsung' describes more the process or the way capital earns interest. Sometimes 'Verzinsung' also refers to the rate, meaning how well a sum of money earns interest. The words can be confusing because they occur in the same situations. When talking about the money paid or received, 'Zinsen' fits. When talking about the principle, the process, or the level of interest accrual or the interest rate, 'Verzinsung' is better.
Bei diesem Konto ist die Verzinsung im ersten Jahr besonders niedrig.
With this account, the interest rate is especially low in the first year.
Die Bank zahlt die Zinsen am Ende des Jahres aus.
The bank pays out the interest at the end of the year.