Over the past couple of years interest rates have risen by less than the rate of inflation, so they have fallen in real terms.

过去二十年来利率升幅已低于通胀率，所以实际利率是下跌的。

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Most economists think that the “neutral” rate of interest, which would neither stimulate nor restrain demand in the euro area, is now more than 3% (in nominal terms).

多数的经济学家认为, 中性利率, 即既不刺激也不抑制欧元区需求的利率水平, 应该在3%以上(指名义利率).

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Many people don't know the terms of their mortgage or the interest rate they're paying.

许多人不知道他们房贷的条款或者是他们所要还的利率是多少。

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If you do it in monthly terms your interest rate is r/12 because there are twelve months in a year.

如果是每月还款那么月利率是r/12,因为一年有12个月

耶鲁公开课 - 金融市场课程节选

Loans from any of these sources can come in a number of flavors, including fixed interest rate or adjustable interest rate, and with various terms, from 5 years for some adjustable-rate loans up to 40 years for some.

FORBES: Mortgage Financing: Get The Right Loan Products

Shop around before settling on the loan that offers not only the lowest interest rate but also flexible terms should you find that you are able to repay the debt earlier than you originally intended.

BBC: Pile of coins

It seems to me that what should happen if the federal government should increase the amount available to students to borrow money directly from the federal government and repay at a lower interest rate and better repayment terms?

NPR: Congress to Lift Student Loans?