Others lend money only if borrowers agree to redeposit up to half of the loan in the same bank at a much lower interest rate.

有些银行要求借贷人借款后要存上借款额一半的存款，而且利率要比常规存款利率低，才同意贷款。

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The bank caclulates loan interest as "simple" interest -- for every payment period, multiply the current outstanding principal by the current interest rate to determine the interest payment.

银行用“简单”利息的方法计算贷款利息-在每个还款期间，用当前未还清的本金乘以当前利率，从而计算出应付的利息。

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Attractive people are more likely to be happier, earn more money, get a bank loan (with a lower interest rate) and marry equally good looking partners.

长相漂亮的人通常更快乐，挣的钱更多，能得到利息更低的银行贷款，还能和长得同样漂亮的伴侣结婚。

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One nurse consultant I spoke to told me that being asked to vote on whether or not to accept the deal felt a bit like trying to decide whether or not to take out a bank loan without knowing the interest rate.

BBC: Selling the NHS pay deal

"The borrower gets a low interest rate, commensurate with the interest of a conforming loan, and the bank mitigates its risk to some degree, " said Laurie Stewart, the bank's president and CEO.

WSJ: Fixed-Rate Jumbo Mortgages Make a Comeback

The bank's net interest margin--the difference between its cost of capital and average loan rate--has fallen for five consecutive quarters, to 0.9%.

FORBES: After the bubble