A great advantage with borrowing from online Banks is the lower overhead charges, which in turn means a lower rate of interest.

一个很大的优势，借鉴发达国家的网上银行是降低开销的费用，这反过来又意味着更低的利率。

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These costs, known as "consequential losses, " might also include overdraft charges or additional borrowing costs.

BBC: UK banks

Nothing focuses managers' minds on maximising profits like having to meet hefty interest charges, and increased borrowing can also cut a firm's tax bill.

ECONOMIST: M&S and Debenhams

In addition to inflation, borrowing costs also reflect real interest rates and the charges made by mortgage lenders to cover their expenses and make a profit.

ECONOMIST: Housing market