... effective annual rate实际年利率 effective cost of debt实际债务成本，实际债务成本率 effective date有效日期 ...
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通胀在一段时间里会减少实际债务负担，但是能够更快的提高利率成本。
Inflation would over time reduce the real burden of debt but would raise interest costs more quickly.
当通货膨胀的程度较低时，首付款会比较优惠，但实际债务会长期存在。在以后的日子里这些债务会增加很多成本。
When inflation is low, the initial payments are more bearable but more of the real debt persists, which shunts a bigger share of the costs into the later years of the loan.
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