l' frais intérêt
a frais intérêt
حرفيًا: the fees of interest
Use this phrase to describe the extra money you pay a bank for a loan or credit.
في 15 ثانية
- The cost or fees paid for borrowing money from a bank.
- Used in banking, loans, credit cards, and financial discussions.
- Always plural 'les frais' when referring to the total charges.
المعنى
This phrase refers to the extra money you pay a bank or lender for the privilege of borrowing money. It is the cost of credit, often seen on bank statements or loan agreements.
أمثلة رئيسية
3 من 7At the bank discussing a loan
Quels sont les frais d'intérêt pour ce prêt ?
What are the interest charges for this loan?
Talking to a friend about a credit card
Ma carte de crédit a des frais d'intérêt énormes !
My credit card has huge interest fees!
Reading a bank statement
Je ne comprends pas ces frais d'intérêt sur mon compte.
I don't understand these interest charges on my account.
خلفية ثقافية
France has a deeply rooted culture of 'épargne' (saving) rather than 'crédit' (borrowing). Interest rates are heavily regulated by the Banque de France to prevent predatory lending. Consequently, discussing interest charges is a serious matter of consumer rights and financial planning in French households.
The 'd' is Essential
Never say 'frais intérêt'. It must be 'frais d'intérêt'. That little 'd' connects the words like glue.
Don't use for Hobbies
If you are 'interested' in French films, use the adjective 'intéressé'. 'Frais d'intérêt' is strictly for money and banks.
في 15 ثانية
- The cost or fees paid for borrowing money from a bank.
- Used in banking, loans, credit cards, and financial discussions.
- Always plural 'les frais' when referring to the total charges.
What It Means
Think of les frais d'intérêt as the 'rent' you pay for using someone else's money. When you buy a car or a house on credit, the bank doesn't just give you the money for free. They charge you a fee. That fee is what the French call les frais d'intérêt. It is the price of the service they provide. In English, we just call these 'interest charges' or 'interest costs'. It is a very practical, everyday term for anyone dealing with a bank.
How To Use It
You will mostly use this phrase with verbs like payer (to pay) or calculer (to calculate). For example, you might say Je paie trop de frais d'intérêt. You can also use it when looking at your bank statement. It usually appears in the plural because interest is rarely a single, one-time fee. Just remember to keep the d' before intérêt. It links the 'fees' to the 'interest' naturally. It is a solid, functional phrase for your financial vocabulary.
When To Use It
Use this phrase whenever you are talking about money you owe. It is perfect for a trip to the bank. You might use it when discussing a mortgage (un prêt immobilier). It is also relevant when talking about credit card debt. If you are buying a phone on an installment plan, you might ask about these fees. Even in a business meeting, it is the standard way to discuss the cost of capital. It is a very useful term for adult life in France.
When NOT To Use It
Do not use this phrase to talk about your hobbies. If you find a book interesting, you do not have frais d'intérêt. You have un intérêt for the book. Also, do not confuse it with frais de dossier. Those are administrative 'setup fees' for a loan. Frais d'intérêt specifically refers to the ongoing cost of the money itself. Don't use it for savings accounts either. For money you earn, just use the word intérêts alone.
Cultural Background
In France, people are generally more debt-averse than in the US or UK. Taking out a loan is a big deal and involves a lot of paperwork. The French government also strictly regulates the 'taux d'usure'. This is the maximum interest rate a bank can legally charge. Because of this, les frais d'intérêt are a frequent topic in French news. People watch these rates closely to decide when to buy property. It is a national pastime to complain about bank fees!
Common Variations
The most common variation is le taux d'intérêt, which means the interest rate (the percentage). You might also hear intérêts bancaires in more formal documents. If a loan is 'interest-free', the French say sans frais or à taux zéro. If you are talking about the total amount of interest over time, you might just say le coût du crédit. All these terms live in the same family of financial French.
ملاحظات الاستخدام
This is a neutral, practical term. Use it in any financial context. Avoid using it in social or emotional contexts unless you are making a joke about money.
The 'd' is Essential
Never say 'frais intérêt'. It must be 'frais d'intérêt'. That little 'd' connects the words like glue.
Don't use for Hobbies
If you are 'interested' in French films, use the adjective 'intéressé'. 'Frais d'intérêt' is strictly for money and banks.
The 'Taux Zéro' Secret
In France, you'll often see 'Prêt à Taux Zéro' (PTZ). It's a government-backed interest-free loan for first-time homebuyers. It's the holy grail of 'frais d'intérêt'—zero!
أمثلة
7Quels sont les frais d'intérêt pour ce prêt ?
What are the interest charges for this loan?
A direct way to ask about the cost of borrowing.
Ma carte de crédit a des frais d'intérêt énormes !
My credit card has huge interest fees!
Expressing frustration about high costs.
Je ne comprends pas ces frais d'intérêt sur mon compte.
I don't understand these interest charges on my account.
Used when clarifying specific line items on a statement.
Nous devons réduire nos frais d'intérêt cette année.
We need to reduce our interest expenses this year.
Formal business context regarding financial management.
Est-ce une offre sans frais d'intérêt ?
Is this an interest-free offer?
Checking if a promotion is truly 'zero percent'.
Je t'ai prêté 5 euros, où sont mes frais d'intérêt ?
I lent you 5 euros, where are my interest fees?
Joking with a friend about a tiny loan.
Les frais d'intérêt me stressent beaucoup en ce moment.
The interest charges are stressing me out a lot right now.
Sharing personal financial anxiety.
اختبر نفسك
Fill in the blank to ask about the cost of the loan.
Pouvez-vous calculer les ___ d'intérêt ?
`Frais` is the specific word used for fees or charges in a financial context.
Complete the sentence to say the loan is interest-free.
C'est un crédit sans ___ d'intérêt.
`Sans frais d'intérêt` is the standard way to say interest-free in this context.
🎉 النتيجة: /2
وسائل تعلم بصرية
Formality of 'les frais d'intérêt'
Complaining to a partner about credit card bills.
Encore des frais !
Asking a bank teller about a personal loan.
Quels sont les frais d'intérêt ?
Reading a legal mortgage contract.
Le calcul des frais d'intérêt annuel.
Where to use 'les frais d'intérêt'
At the Bank
Negotiating a loan rate.
Car Dealership
Asking about financing options.
Online Shopping
Checking 'pay in 4' fees.
Accounting
Managing business expenses.
الأسئلة الشائعة
11 أسئلةIt refers to the financial charges or fees you pay to a lender for borrowing money, commonly known as interest charges in English.
Yes, usually. You say les frais d'intérêt because interest is typically calculated as a series of charges over time.
Not really. For savings, you just say les intérêts. Frais implies a cost or a fee that you are paying out, not earning.
It is neutral. You can use it with your bank advisor or when talking to a friend about your bills. It's professional but common.
Le taux is the percentage (e.g., 3%), while les frais is the actual amount of money you pay in euros.
You can say sans frais d'intérêt or more commonly à taux zéro (at zero rate).
No! For a boring person, say they are sans intérêt. Adding frais makes it strictly about banking.
Yes, in a company's balance sheet, these are listed as charges d'intérêt or frais financiers.
Forgetting the d'. Saying les frais intérêt sounds broken. Always include the apostrophe: frais d'intérêt.
Close! Agios specifically refers to the fees and interest you pay when your bank account goes into a negative balance (overdraft).
Absolutely. It is the primary term used when discussing the cost of a prêt immobilier (mortgage).
عبارات ذات صلة
le taux d'intérêt
un prêt bancaire
rembourser un crédit
les agios
un compte d'épargne
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