1. 含义：'apr'是'annual percentage rate'的缩写，意为年利率。在金融业和贷款领域中广泛使用。
例句：
- The APR on my credit card is 18%, which means I have to pay 18% interest on any balance I carry from month to month.
- The bank offered me a loan with an APR of 5.5%, which is very competitive compared to other lenders.
- The APR for this mortgage is 3.75%, but there may be additional fees and charges that could affect the total cost of the loan.
- It's important to compare the APRs of different credit products to ensure you're getting the best deal.
- The APR on this car loan is higher than I expected, so I'm going to shop around for a better rate.
2. 计算：APR的计算方法比较复杂，通常涉及到利率、复利、还款期限、付款方式、额外费用等因素。
例句：
- The APR calculation takes into account not only the interest rate, but also any fees or charges associated with the loan.
- To determine the true cost of a loan or credit card, you need to look beyond the APR and consider the overall terms and conditions.
- The APR can vary depending on the repayment schedule you choose – for example, paying monthly vs. quarterly.
- When comparing different financial products, make sure you're comparing the APRs based on the same repayment terms and other factors.
- You can use online calculators to estimate your monthly payments and total cost based on the APR and other variables.
3. 应用场景：APR适用于各种金融产品，如信用卡、贷款、房屋抵押贷款、汽车贷款等。
例句：
- The credit card company must disclose the APR in the terms and conditions, so you can compare it with other cards.
- The APR on a payday loan can be as high as 400% or more, so be sure to read the fine print before borrowing.
- When shopping for a mortgage, it's important to compare the APRs of different lenders to see which one offers the best deal.
- Some lenders offer 0% APR financing for a limited time, but be aware of any fees or penalties if you don't pay off the balance in full.
- The APR on a personal loan may be higher than on a secured loan, since there's no collateral to secure the lender's investment.
4. 区别：APR和APY（annual percentage yield）是两个不同的概念，APR指的是简单利率，而APY指的是复利率。
例句：
- The APR on this savings account is only 0.5%, but the APY is 0.51% when you take into account the compounding interest.
- Be careful not to confuse the APR with the APY when shopping for financial products, as the latter can be higher due to the effect of compound interest.
- If you're comparing different investment options, make sure you're using the same basis (APR or APY) to make an apples-to-apples comparison.
- The difference between APR and APY may seem small, but it can add up over time for long-term savings or loans.
- When calculating your investment earnings or loan payments, you may want to use an online calculator that factors in both APR and APY.
5. 实际意义：APR是评估贷款或信用卡的真实成本的重要指标，也可以帮助消费者做出更明智的财务决策。
例句：
- The high APR on this loan means I'll be paying a lot more in interest over time, so I may opt for a different financing option.
- By comparing the APRs of different credit cards, I can choose one with a lower interest rate and save money on my balance.
- When refinancing my mortgage, I looked for a lender with a lower APR to reduce my overall costs and monthly payments.
- The APR can be a useful tool for budgeting and financial planning, as it gives you an idea of how much you'll owe in interest over time.
- While the APR is an important factor to consider when choosing a loan or credit card, it's also important to read the fine print and understand all of the terms and conditions.
'APR'是英语词语，翻译为“年利率”，它是指在xx年内借款所产生的利息。
例句：
1. The APR on this credit card is 18%. (这张信用卡的年利率是18%。)
2. Don't forget to compare APRs between different lenders. (别忘了在不同的贷款人之间比较年利率。)
3. The APR is determined by a number of factors, including credit history and loan term. (年利率由多个因素决定，包括信用历史和贷款期限。)
4. The mortgage company offers an APR of 3.5% for a 30-year fixed-rate loan. (这家抵押贷款公司提供了xx年固定利率贷款的3.5%年利率。)
5. Always read the fine print to understand how APR is calculated. (要理解如何计算年利率，一定要阅读条款细则。)
6. The APR for this car loan is higher than I expected. (这笔汽车贷款的年利率比我预期的要高。)
7. Some lenders may advertise a low APR but charge hidden fees. (有些贷款人可能会宣传低年利率，但收取隐藏费用。)
8. The credit card's APR varies depending on the balance and payment history. (信用卡的年利率根据余额和付款历史而变化。)
9. I chose this loan because it had the lowest APR and no prepayment penalty. (我选择了这笔贷款，因为它有最低的年利率，而且没有预付款罚款。)
中文翻译：
apr是“年利率”（Annual Percentage Rate）的缩写。
读音：
英 [eɪpiːɑː(r)] 美 [eɪpiːɑːr]
例句：
1. This credit card offers a low APR of 10% for the first six months.（这张信用卡首六个月的年利率为10%。）
2. Be sure to compare the APR of different loan options before making a decision.（在做决定之前，一定要比较不同贷款选项的年利率。）
3. The bank charges a high APR on cash advances.（银行对提现收取高年利率。）
apr通常被翻译为"年度成本百分率、机载剖面记录仪"的意思，还有航空剖面记录仪的意思，在线读音是[apr]，apr常被用作名词，在《学生实用英汉双解大词典》中，共找到44个与apr相关的句子。
APR的释义
1.年度成本百分率
例句:Save the APR file and the database. (保存apr文件和数据库。)
2.机载剖面记录仪
例句:And what's more, most cards can offer a great low APR as the issuers aren't having to fund expensive introductory deals or cashback schemes. (何况最伟大的卡可以提供低电不必为发行人或交易基金昂贵介绍cashback计划。)
3.航空剖面记录仪
例句:The major measures against APR are striking out a suit or an appeal, fine, fee of the suit and overturning of res judicata. (对APR进行预防和处罚的措施主要有：驳回起诉或上诉、罚款、承担诉讼费用、推翻既判力等。)
4.声波定位参考系统、航空剖面记录仪
例句:Day after day, week after week... (翻译:一天又一天 jour après jour, 一周又一周 semaine après semaine.)
用法及短语
apr一般作为名词使用，如在APR(大气分布图记录系统 年度成本百分率)等常见短语中出现较多。
| APR | 大气分布图记录系统 年度成本百分率 |
例句
1. The major measures against APR are striking out a suit or an appeal, fine, fee of the suit and overturning of res judicata. (翻译:对APR进行预防和处罚的措施主要有：驳回起诉或上诉、罚款、承担诉讼费用、推翻既判力等。)
2. Day after day, week after week... (翻译:一天又一天 jour après jour, 一周又一周 semaine après semaine.)
3. Yeah, it's APR-15, do you know what that means? (翻译:是啊，这是APR -15 你知道这意味着什么？)
4. The Exhibiton started from Mar. 28 and will last 10 days until Apr. 8. (翻译:展览从xx月xx日开始，至xx月xx日结束，历时10天。)
5. 9th Apr 1984 France Algeria, Australia, Colombia, Ethiopia, France, India, Indonesia, Libyan Arab Jamahiriya, Mexico, Norway, Tunisia, United States of America. (翻译:月xx年1984法国阿尔及利亚，澳大利亚，哥伦比亚，埃塞俄比亚，法国，印度，印度尼西亚，阿拉伯利比亚民众国，墨西哥，挪威，突尼斯，美利坚合众国。)
6. Too bad for him. The rule of Pierre. So, goodbye, Joseph. (翻译:但斯大林随后出现了 所以再见约瑟夫 mais Staline est arrivé après.)
7. But after our conversation you can no longer pretend as if you knew nothing about it! (翻译:但在我们谈话之后 mais après la conversation, 你不能做得像你不知道一样 tu ne peux plus faire comme si tu savais pas.)
8. You can get the body later. (翻译:少废话 你一会再来 Tais -toi! Tu retourneras ici après.)
9. Avoid 0% APR CARDS. (翻译:避免0%年利率卡。)
10. Save this APR and DBF files. (翻译:保存此 APR 和 DBF 文件。)
11. And then you are leave them to me, overwrought, wet with sweat, backpacks must be packed, stories read, stuffed animals be found, (翻译:然后你就把兴奋且浑身臭汗的孩子丢给我 Après, tu me les laisses sur les bras, surexcités, en sueur, 我要收拾书包 avec les cartables à préparer, 讲故事 les histoires à raconter,)
12. A lot of students at small colleges can apply for an APR of 10 to 9 percent and also apply for a credit card that has no annual fee. (翻译:许多在小大学生可以申请到年息在百分之十九左右，而且不收不收年费的信用卡。)
13. The Exhibiton started from Mar. 28 and will last 10 days until Apr. (翻译:展览从xx月xx日开始，至xx月xx日结束，历时10天。)
14. Fl. Apr-May, occasionally in autumn at apices of new branches. (翻译:花期4-xx月，偶尔在秋天在新枝先端开花。)
15. Now, if you can't afford the full payment of $618,429, we can offer monthly installments at an APR of 19.6%, standard for a generic pancreatic unit. (翻译:如果不能支付全部61万8429美元费用 可以按月付款 年利率19.6% 这是普通胰脏器官的标准费用)
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