fixed rate

fixed rate 的音标是[ˈfɪkst ˈreɪtə]，基本翻译是固定利率。速记技巧是使用固定符号来代替单词中的某个部分，例如使用“fr”来代替“fixed rate”。这样可以提高记忆效率，帮助更好地记住单词。

Fixed rate 的英文词源是 fixed，表示固定的，而 rate 则表示比率或价格。因此，fixed rate 指的是固定的价格或比率。

变化形式：复数形式是 rates，也可以加后缀 -ly 变成副词形式，表示固定地。

相关单词：

1. rate setter（设定价格或比率的人或机构）

2. inflation rate（通货膨胀率）

3. discount rate（贴现率）

4. variable rate（变动利率）

5. mortgage rate（抵押贷款利率）

6. interest rate（利率）

7. fixed-interest rate（固定利率）

8. floating rate（浮动利率）

9. margin rate（保证金比率）

10. penalty rate（惩罚性利率）

以上这些单词都与 fixed rate 相关，反映了金融市场中的各种价格和比率。

常用短语：

1. fixed rate mortgage - 固定利率抵押贷款

2. fixed rate debt - 固定利率债务

3. fixed rate bond - 固定利率债券

4. fixed rate loan - 固定利率贷款

5. fixed rate policy - 固定利率保险政策

6. fixed rate transaction - 固定利率交易

7. fixed rate yield curve - 固定利率收益率曲线

例句：

1. The interest rate on the mortgage is fixed at 4%. 抵押贷款的利率固定在4%。

2. The government has issued a new fixed rate bond with a face value of $1 billion. 政府发行了一笔新的固定利率债券，面值为10亿美元。

3. The fixed rate policy protects us against inflation. 固定利率保险政策保护我们不受通货膨胀的影响。

4. The fixed rate transaction was a success and we closed the deal at the agreed price. 固定利率交易成功，我们在商定的价格上完成了交易。

5. The fixed rate yield curve indicates that interest rates on bonds are relatively stable. 固定利率收益率曲线表明债券的利率相对稳定。

6. The bank"s fixed rate mortgage is very popular with home buyers. 该银行的固定利率抵押贷款深受购房者欢迎。

7. The fixed rate debt has been a burden for the company, which is why it is considering refinancing it at a lower interest rate. 固定利率债务一直是公司的负担，因此它正在考虑以较低的利率进行再融资。

英文小作文：

Title: Fixed Rate Mortgages: The Basics

Fixed rate mortgages are a popular type of loan that offers borrowers the security of a consistent interest rate over the life of the loan. This type of mortgage is typically offered by banks and financial institutions and is considered a safe and stable investment.

One of the benefits of a fixed rate mortgage is that it provides borrowers with predictability. The interest rate and monthly payments are set at the time of application and do not change over time, which means that borrowers know what to expect each month. This predictability can be helpful for those who are budgeting or who have a hard time keeping track of their finances.

Another benefit of a fixed rate mortgage is that it can be more cost-effective than other types of loans. Because the interest rate is fixed, borrowers do not have to worry about fluctuating rates or refinancing frequently, which can result in higher overall costs over time.

However, fixed rate mortgages can also be more expensive than variable rate loans in certain situations, such as when interest rates are rising. Additionally, fixed rate mortgages are typically more expensive than some other types of investments, such as certificates of deposit or money market accounts, because they offer a fixed income stream over the life of the loan.

Overall, fixed rate mortgages are a popular choice for many home buyers because they offer stability and predictability in an uncertain financial environment. However, borrowers should carefully consider their options and weigh the pros and cons of different types of loans before making a decision.