with interest rate vs by interest rate

Both "with interest rate" and "by interest rate" are commonly used phrases in English, but they are used in different contexts. "With interest rate" is used when referring to something that includes an interest rate, while "by interest rate" is used when indicating the method or means by which something is affected or calculated.

Last updated: March 25, 2024 • 649 views

This phrase is correct and commonly used in English when referring to something that includes an interest rate.

"with interest rate"

This phrase is used to indicate that something is associated with or includes an interest rate. For example, "The loan comes with an interest rate of 5%."

Examples:

The savings account comes with an interest rate of 2%.
The credit card offers come with different interest rates.
The mortgage is available with a fixed interest rate.
The investment plan provides you with a competitive interest rate.
The car loan is offered with a low-interest rate.

Show examples from the web [+]

'Furthermore, credit claims with interest rate linked to the inflation rate are also eligible.';
(b) in the second paragraph of the first indent of the first paragraph the following sentence is inserted after the second sentence: «Furthermore, credit claims with interest rate linked to the inflation rate are also eligible.'
2. The Bank shall undertake the financial execution of operations carried out by means of loans from its own resources combined with interest rate subsidies from the Fund's resources.
The Bank shall undertake the financial execution of operations carried out by means of loans from its own resources combined with interest rate subsidies from the Fund's resources.
O/w: Loans with remaining maturity over 1 year and with interest rate reset in the next 12 months
O/w: Loans with remaining maturity over 2 years and with interest rate reset in the next 24 months
of which: loans with remaining maturity over 1 year and with interest rate reset in the next 12 months
of which: loans with remaining maturity over 2 years and with interest rate reset in the next 24 months
The EIB shall undertake the financial implementation of operations carried out by means of loans from its own resources, where applicable combined with interest rate subsidies drawn from the EDF's grant resources.
The Bank shall undertake the financial execution of operations carried out by means of loans from its own resources, where applicable combined with interest rate subsidies drawn from the Fund's grant resources.
The EIB shall undertake the financial implementation of operations carried out by means of loans from its own resources, where applicable combined with interest rate subsidies drawn from the EDF's grant resources.
The net stream of settlement flows associated with interest rate derivatives should be recorded as financial derivatives.
Let me begin with interest rate policy, one general criticism of which we regard as misplaced.
Conditional notional amounts add complexity to the pricing and risk management associated with interest rate OTC derivative contracts and thus to the ability of CCPs to clear them.
Net flows associated with interest rate derivatives are recorded solely under financial derivatives in the financial account.
Net flows associated with interest rate derivatives are recorded as financial derivatives, not as investment income.
Net flows associated with interest rate derivatives are recorded as financial derivatives, not as investment income.
The Bank shall appraise projects and programmes which, pursuant to its Statute, Articles 233 and 236 of the Convention and the corresponding provisions of the Decision, could be financed by loans from its own resources with interest rate subsidies, or by risk capital.
of which loans with remaining maturity over 1 year and with interest rate reset in the next 12 months
of which loans with remaining maturity over 2 years and with interest rate reset in the next 24 months

Alternatives:

at an interest rate
featuring an interest rate
including an interest rate
having an interest rate
with a specific interest rate

This phrase is correct and commonly used in English when indicating the method or means by which something is affected or calculated.

"by interest rate"

This phrase is used to show the method or means by which something is influenced or calculated based on an interest rate. For example, "The payment amount is determined by interest rate changes."

Examples:

The cost is calculated by interest rate fluctuations.
The profit margin is affected by interest rate adjustments.
The loan eligibility is determined by interest rate criteria.
The investment return is influenced by interest rate movements.
The bond value is impacted by interest rate shifts.

Show examples from the web [+]

Classification of long-term debt securities by interest rate
However, as bills are short-term securities with much shorter times to maturity, the holding gains generated by interest rate changes are generally much smaller than on bonds with the same face values.
The average cost of the currency position shall be affected by interest rate swaps in a foreign currency when there is a difference between payments received and payments paid.
The average cost of the currency position shall be affected by interest rate swaps in a foreign currency when there is a difference between payments received and payments paid.
The shortening of the MRO maturity is a complementary measure, which will prevent MROs from overlapping from one reserve maintenance period to the next and thus from being affected by interest rate expectations for future reserve maintenance periods.
Favourable rates that reporting agents apply to their employees are covered by MFI interest rate statistics.
Zero-interest overnight deposits shall therefore be captured by MFI interest rate statistics.
Zero-interest overnight deposits are therefore captured by MFI interest rate statistics.
Interest income in 2005 was favourably affected by higher interest rates on US dollar-denominated assets.
Interest income in 2003 was adversely affected by low interest rates on both domestic and foreign currency assets.
Such an umbrella contract is not covered by MFI interest rate statistics.
Such umbrella contracts shall not be covered by MFI interest rate statistics.
We would risk reducing the boost given to households by low interest rates, and we should weaken that basic condition for long-term growth also formed by low interest rates.
As defined in paragraph 16, bad loans and loans for debt restructuring at rates below market conditions shall not be covered by MFI interest rate statistics.
The euro is preventing us from regulating the economy by adjusting interest rates and exchange rates.
Interest income in 2008 was affected to some extent by lower interest rates on US dollar-denominated assets.
Over the last few years, monetary policy in the euro area has supported economic activity by keeping interest rates lower than would have been the case had growth been stronger.
Late payment constitutes a breach of contract which has been made financially attractive to debtors in most Member States by low interest rates on late payments and/or slow procedures for redress.
The ECB took account of this by reducing interest rates four times in 2001, by a total of 150 basis points.
Hence, only the deposit part that is not invested in securities is covered by MFI interest rate statistics.

Alternatives:

according to the interest rate
based on the interest rate
through the interest rate
via the interest rate
using the interest rate

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with interest rate vs by interest rate