来自信誉良好的机构的个人贷款利率通常较低。

The ___interest on personal loans from reputable organisations is often lower.

对于增长中的经济体来说，历史性的低利率可能是一个重要的刺激因素。

For a growing economy, historically low ___interest rates can be a significant stimulus.

贷款的总成本在很大程度上取决于年利率以及是否计算复利。

The loan's total cost depends heavily on the annual percentage ___interest rate and whether it compounds.