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Dec 17, 2015 at 7:26 comment added Chris Degnen See also APR: European Union, where APR is defined as the effective rate.
Dec 17, 2015 at 0:25 comment added Chris Degnen @Jasper - It depends on country, e.g. Factsheet: APR, AER and EAR.
Dec 16, 2015 at 23:50 comment added Jasper By definition, APR is not what you are calling an "effective rate". APY is what you are calling an "effective rate".
Dec 16, 2015 at 15:20 history answered Chris Degnen CC BY-SA 3.0