/ˈæn.ju.əl pərˈsɛn.tɪdʒ reɪt/ – Phrase
Definition: Tỷ lệ lợi suất hàng năm.
A more thorough explanation: the yearly cost of borrowing money expressed as a percentage
Example: The company charges customers an annual percentage rate (APR) of 440% on its standard £100 loan.