Translation and analysis of words by ChatGPT artificial intelligence
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Interest - translation to spanish
Lo que es pagado a un prestador por el uso de su dinero e incluye compensación para el prestador por tres factores: 1) Valor temporal del dinero - el valor del dólar hoy es mayor que el valor del dólar mañana. Los dólares de mañana son descontados para reflejar el tiempo que el prestador debe esperar para "disfrutar" el dinero, sin mencionar las incertidumbres que el futuro acarrea. 2) Riesgo de Crédito - el riesgo de repago varía con la reputación del que solicita el dinero. 3) Inflación - así como el valor de compra de un dólar declina, más dólares deberán ser pagados para mantener el mismo valor de compra.
El interés es uno de los componentes de los gastos; ejemplo, el costo del dinero necesario para financiar la compra o almacenamiento del bien tangible. La tasa de interés del mercado puede también ser usada para establecer el costo de oportunidad para los fondos que son inmovilizados en cualquier inversión.
rédito
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interesar
.jpg?width=200 "Facial expression of intense ''interest (emotion)'', which includes jaws being dropped, tongue being stuck upward and outward, and pupils being dilated.")
Definition
Wikipedia
In finance and economics, interest is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (that is, the amount borrowed), at a particular rate. It is distinct from a fee which the borrower may pay the lender or some third party. It is also distinct from dividend which is paid by a company to its shareholders (owners) from its profit or reserve, but not at a particular rate decided beforehand, rather on a pro rata basis as a share in the reward gained by risk taking entrepreneurs when the revenue earned exceeds the total costs.
For example, a customer would usually pay interest to borrow from a bank, so they pay the bank an amount which is more than the amount they borrowed; or a customer may earn interest on their savings, and so they may withdraw more than they originally deposited. In the case of savings, the customer is the lender, and the bank plays the role of the borrower.
Interest differs from profit, in that interest is received by a lender, whereas profit is received by the owner of an asset, investment or enterprise. (Interest may be part or the whole of the profit on an investment, but the two concepts are distinct from each other from an accounting perspective.)
The rate of interest is equal to the interest amount paid or received over a particular period divided by the principal sum borrowed or lent (usually expressed as a percentage).
Compound interest means that interest is earned on prior interest in addition to the principal. Due to compounding, the total amount of debt grows exponentially, and its mathematical study led to the discovery of the number e. In practice, interest is most often calculated on a daily, monthly, or yearly basis, and its impact is influenced greatly by its compounding rate.
