interest rate
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interest rate
The price for borrowed money, stated as a percentage, that the debtor must pay the creditor for a certain period of time. It indicates the amount of interest for loans or savings deposits.
Die Bank hat den Zinssatz für Baukredite auf drei Prozent erhöht.
The bank has raised the interest rate for construction loans to three percent.
'Zinssatz' (interest rate) is a compound noun made from 'der Zins' (interest) and 'der Satz' (rate). The 's' in the middle is a linking s that connects the two words. Literally, it therefore means 'interest rate.'
Der aktuelle Zinssatz für Tagesgeld ist sehr niedrig.
The current interest rate for instant-access savings is very low.
In financial contexts, an interest rate is often actively changed by banks. Typical verbs are 'den Zinssatz erhöhen' (to increase the interest rate), 'senken' (to lower), 'anheben' (to raise), or 'festlegen' (to set).
Die Zentralbank hat den Leitzinssatz nicht verändert.
The central bank did not change the key interest rate.
To describe an interest rate, the adjectives 'hoch' (high) or 'niedrig' (low) are often used. A distinction is also made between a 'fester Zinssatz' (fixed interest rate, stays the same) and a 'variabler Zinssatz' (variable interest rate, can change).
Für mein Sparkonto bekomme ich nur einen sehr niedrigen Zinssatz.
I only get a very low interest rate for my savings account.
'Zinssatz' (interest rate) is a technical term from the world of finance and economics. You mainly encounter it in conversations about loans, investments, banks, and economic news.
Bevor Sie einen Kredit aufnehmen, sollten Sie die Zinssätze verschiedener Anbieter vergleichen.
Before you take out a loan, you should compare the interest rates of different providers.
interest
'der Zins' and 'der Zinssatz' are closely related, but they do not mean exactly the same thing. 'Zins' means the money that you pay or receive. The plural 'Zinsen' is often used for this. 'Zinssatz' means the percentage rate used to calculate this interest. It is easy to confuse the words because both occur with loans and savings investments. Put simply: the interest rate is the percentage, and the interest is the money that results from it.
Vor dem Vertrag prüft Ali den Zinssatz des Kredits genau.
Before signing the contract, Ali carefully checks the interest rate on the loan.
Nach einem Jahr wurden die Zinsen auf mein Konto überwiesen.
After one year, the interest was transferred to my account.