() effective annual ratethe amount of interest paid in one year for borrowing money compared with the amount of money borrowed, used when interest is normally paid more often than once a year; the amount of interest received from money invested 实际年利率（一年须支付的利息额与贷款本金的比率，常用於利息分次支付的情况下）◆Interest is charged at an EAR of 10%. 按 10% 的实际年利率收取利息。➡APR