Lãi suất vay loan - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách compare fixed vs variable APR, chọn fixed 7.5% với stability. 3 câu hỏi: type, APR, calculation.
Hội thoại
Loan Officer: Hello. How can I help?
Customer (Simon): I'd like to discuss the interest rate options for my personal loan.
Loan Officer: We offer both fixed-rate and variable-rate options. The fixed-rate is currently 7.5% APR for the entire term, while the variable is 6.99% now, but it can change.
Simon: What's the main difference?
Loan Officer: Fixed-rate gives you predictability — your payment stays the same throughout. Variable-rate may start lower, but if market rates rise, your payment can increase.
Simon: I prefer predictability. How is the rate calculated?
Loan Officer: APR includes your interest rate plus any applicable fees, expressed annually. Our fixed rate of 7.5% includes all costs.
Simon: That sounds fair. I'll go with fixed.
3 câu hỏi trắc nghiệm
Question 1: What is the fixed-rate APR?
- (A) 6.50%
- (B) 6.99%
- (C) 7.50% ✓
- (D) 8.00%
Đáp án: (C) - "fixed-rate is currently 7.5% APR".
Question 2: What is the initial variable rate?
- (A) 6.50%
- (B) 6.99% ✓
- (C) 7.50%
- (D) 7.00%
Đáp án: (B) - "variable is 6.99% now".
Question 3: Why did the customer choose fixed?
- (A) Lower rate
- (B) Predictability ✓
- (C) Faster approval
- (D) Shorter term
Đáp án: (B) - "prefer predictability".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| interest rate | lãi suất |
| fixed-rate | lãi cố định |
| variable-rate | lãi thả nổi |
| APR | lãi năm |
| entire term | toàn bộ kỳ hạn |
| main difference | khác biệt chính |
| predictability | khả năng dự đoán |
| throughout | xuyên suốt |
| market rates rise | lãi thị trường tăng |
| payment can increase | trả có thể tăng |
| predictability | tính dự đoán |
| applicable fees | phí áp dụng |
| expressed annually | biểu thị theo năm |
| includes all costs | bao gồm tất cả chi phí |
| variable-rate loan | vay lãi thả nổi |
Traps
Bẫy 1: Fixed vs variable init
- Fixed 7.5% > Variable init 6.99% but variable changes.
Bẫy 2: Predicted payment
- Variable "may increase" - không guarantee.
Bẫy 3: APR vs Interest Rate
- APR includes all costs, khác plain interest rate.
Topic: Loan fixed vs variable rate comparison.
Luyện ngay bộ đề mô phỏng TOEIC 2026 — 5.000+ câu hỏi, chấm điểm tức thì tại thithu.com/thi-tieng-anh.