利率是银行给你的钱或者你借钱要付的钱的比例。

利率 is the rate at which banks give you money or the rate you pay when you borrow money.

如果利率高，你存钱可以赚更多，但是借钱也要还更多。

If 利率 is high, you can earn more by saving money, but you also have to pay back more when borrowing.