干貨：2021考研英語閱讀材料：世界首例負利率貸款

　　摘要：每天堅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：世界首例負利率貸款”的文章，希望對大家有所幫助。

　　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，申請負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)濟學(xué)家米克歐·赫格說：“我們不會直接把錢給你，但每個月你的債務(wù)減少額會高于你的還款金額。”

　　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，是因為在丹麥、瑞典、瑞士這些國家，貨幣市場的利率降幅已經(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利率從貨幣市場和機構(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，儲戶將發(fā)現(xiàn)自己的存款毫無收益，如果變成負利率的話存款甚至?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。

　　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，對存款實行負利率。

　　"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：“目前我們沒有對存款實行負利率。不過高層正在對此進行討論。問題在于沒有哪家銀行愿意成為第一個吃螃蟹的人，率先實行存款負利率。”

　　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.

　　事實上，即使名義利率為負數(shù)，丹麥日德蘭銀行的借貸者最后償還的金額還是會比貸款金額高一點，因為要向銀行支付交易服務(wù)費作為補償。

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