定期存款到期之前，取款是要付罚金的。
You have to pay a penalty if you withdraw your CD (certificate of deposit) before matures.
这将保证银行间拆借利率，公司和家庭贷款的基准利率，都将低于英国3个月，6个月和9个月的定期存款到期利率。
That has kept interbank rates, the benchmark for loans to firms and households, below British levels at 3-month, 6-month and 12-month maturities.
也就是说存入一个月、两个月……直到六个月的定期存款。每笔定期存款到期的时候，你就再买一笔六个月的定期存款，以便保持阶梯式存款的延续。
That means buying CDs of one month, two months, etc. to six months. As each CD matures you buy another six-month CD to keep the ladder in place.
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