亚马逊贷款计划： 利率常见问题
为什么我的首笔亚马逊贷款的利率相对较低？
您首笔亚马逊贷款的利率是促销利率。符合条件的卖家可以获得第一笔贷款的促销利率。
我如何可以获得更低的利率？
抱歉，每个贷款邀请的条款都是固定的，不能修改。您获得贷款邀请资格后，我们会在确定贷款金额、贷款期限和利率时考虑许多因素。如果您选择不接受贷款，假设您的卖家账户再次符合条件，那么将不会影响未来的邀请。
总成本和年利率 (APR) 有何区别？
亚马逊贷款邀请将贷款成本显示为两种利率：
1.总成本百分比： 总利息成本除以本金金额。
2.年利率 (APR)： 代表贷款周期内年度资金成本的百分比，仿佛贷款未偿还。
随着月供款，本金余额减少，每月的利息成本也会降低。总成本以百分比的形式表示，始终低于 APR。我们欢迎您尽快偿还贷款，这样您的未来利息将会更低。亚马逊贷款不设起始费、提前还款罚金，并且利息按单利计算。
亚马逊官网原文详情：
Amazon Lending: Interest rate FAQ
Why was the interest rate lower on my first Amazon loan?
The interest rate on your first Amazon loan was a promotional interest rate. Eligible sellers can receive a promotional interest rate on their first loan.
How can I get a lower interest rate?
Unfortunately, the terms of each loan invitation are fixed and cannot be altered. When you become eligible to receive a loan invitation, many factors are considered when determining how much the loan will be, the loan duration, and the interest rate amount. If you choose not to take the loan, it will not affect future invitations should your seller account again become eligible.
What is the difference between total cost and annual percentage rate (APR)?
Amazon loan invitations will show the cost of a loan as two interest rates:
1.Total cost percentage rate: Total interest cost divided into the principal loan amount.
2.Annual percentage rate (APR): Percentage that represents the yearly cost of funds over the term of a loan, as if there were no payments.
As you make monthly payments, the principal balance decreases, and the cost of interest each month also decreases. The total cost as a percentage is always less than the APR. You are welcome to pay down your loan sooner than the agreed term, and your future interest cost will be less. Amazon loans have no origination fee, no early prepayment penalty, and the interest calculates as simple interest.
文章来源：亚马逊官方网站
