yín háng / huì / gēn jù / dài kuǎn / qī xiàn / xìn yòng / jì lù / hé / shì chǎng / qíng kuàng / tiáo zhěng / lì xī lǜ

银行会根据贷款期限、信用记录和市场情况调整利息率。

Banks adjust interest rates according to the loan term, credit history, and market conditions.