effective interest rate

例句：

1. 1. The effective interest rate of the loanis 5%.
   贷款的有效利率为5%。
2. 2. The effective interest rate has increased dueto inflation.
   由于通货膨胀，有效利率已经上升。
3. 3. The effective interest rate is a crucialfactor in determining investment returns.
   有效利率是决定投资回报的关键因素。