I hope you won’t mind me setting a little test of financial literacy. You buy a new £1,000 computer and borrow money to pay for it. You have a choice: either (a) pay 12 monthly instalments of £100; or (b) borrow money at an APR of 20 per cent, meaning you pay back £1,200 at the end of the year. Which offer is better – or are they (c) identical? (The answer is at the end of this column.)
希望大家不介意我在这里做一个关于金融素质的小测验。假设你要买台价值1000英镑的新电脑，打算贷款来买。你的选择如下：(a)，分期付款，每月支付100英镑，共偿还12个月；(b)，按20%的年利率贷款，也就是说一年后偿还1200英镑。这两种做法哪种更省钱，还是说应该选(c)“二者一样”？（答案参见本文末尾。）
您已阅读10%（543字），剩余90%（4762字）包含更多重要信息，订阅以继续探索完整内容，并享受更多专属服务。