干貨：2021考研英語閱讀材料：世界首例負(fù)利率貸款

　　摘要：每天堅(jiān)持英語閱讀是考研英語閱讀正確率須要做的一件事情，幫幫整理了“2021考研英語閱讀材料：世界首例負(fù)利率貸款”的文章，希望對(duì)大家有所幫助。

　　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.

　　一家丹麥銀行推出了世界首例負(fù)利率按揭貸款––房貸年利率為-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.

　　負(fù)利率的意思是，銀行付錢讓借貸者使用資金，貸款人還的錢比借的錢還少。

　　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%.

　　丹麥第三大銀行日德蘭銀行已經(jīng)開始向借貸者提供年利率為-0.5%的十年期貸款，而另一家丹麥銀行諾底亞銀行將開始提供固定年利率為0%的20年期貸款和年利率為0.5%的30年期貸款。

　　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.

　　日德蘭銀行稱，申請(qǐng)負(fù)利率貸款的借貸者將如常支付月供，但余下貸款每月扣除額將多于每月還款額。

　　"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.

　　日德蘭銀行的房產(chǎn)經(jīng)濟(jì)學(xué)家米克歐·赫格說：“我們不會(huì)直接把錢給你，但每個(gè)月你的債務(wù)減少額會(huì)高于你的還款金額。”

　　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.

　　這種貸款之所以可行，是因?yàn)樵诘?、瑞典、瑞士這些國家，貨幣市場(chǎng)的利率降幅已經(jīng)讓銀行業(yè)務(wù)出現(xiàn)“倒掛”。

　　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.

　　赫格說，日德蘭銀行能夠以負(fù)利率從貨幣市場(chǎng)和機(jī)構(gòu)投資人那里借到錢，現(xiàn)在只不過是將這種借款方式用于銀行客戶。

　　But the flipside is that savers will see nothing paid in interest on their deposits &ndash and may alsosuffer as they go negative.

　　不過有利就有弊，儲(chǔ)戶將發(fā)現(xiàn)自己的存款毫無收益，如果變成負(fù)利率的話存款甚至?xí)p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，瑞士聯(lián)合銀行上周告訴有錢的客戶說，如果他們的存款超過50萬歐元(約合人民幣392萬元)，將收取0.6%的年費(fèi)。

　　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.

　　在丹麥，日德蘭銀行的存款利率已經(jīng)降到了0?，F(xiàn)在丹麥的銀行正考慮跟隨瑞士的腳步，對(duì)存款實(shí)行負(fù)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.

　　赫格說：“目前我們沒有對(duì)存款實(shí)行負(fù)利率。不過高層正在對(duì)此進(jìn)行討論。問題在于沒有哪家銀行愿意成為第一個(gè)吃螃蟹的人，率先實(shí)行存款負(fù)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%.

　　目前英格蘭銀行的基本利率為0.75%，歐洲中央銀行的主要利率為0，而不在歐元區(qū)內(nèi)的丹麥相應(yīng)的利率為-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.

　　事實(shí)上，即使名義利率為負(fù)數(shù)，丹麥日德蘭銀行的借貸者最后償還的金額還是會(huì)比貸款金額高一點(diǎn)，因?yàn)橐蜚y行支付交易服務(wù)費(fèi)作為補(bǔ)償。

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