Italian Phrase
I tassi d'interesse cambiano a seconda del tipo di prestito.
Meaning
The sentence states that interest rates are not fixed; they vary depending on which kind of loan you are talking about, such as a mortgage, personal loan, or credit line.
When to use
Use this phrase when discussing financial products with a bank representative, explaining loan options to a client, or writing an article about how banking rates are set.
✦Grammar Breakdown
Itassid'interessecambianoasecondadeltipodiprestito
Definite article (plural)
"I" is the masculine plural definite article, used here because "tassi" is masculine plural.
Compound noun "tassi d'interesse"
"d'interesse" is a contraction of "di interesse"; together they mean "interest rates".
Verb agreement
"cambiano" is the 3rd‑person plural present of "cambiare" and must agree with the plural subject "tassi".
Expression "a seconda di"
The phrase "a seconda di" means "depending on" and is followed by a noun or noun phrase.
Contraction "del"
"del" = "di" + "il"; it introduces the noun phrase "tipo di prestito".
Noun phrase "tipo di prestito"
"tipo" (type) is modified by the prepositional phrase "di prestito" (of loan).
🗨In Conversation
Quali sono i tassi d'interesse per il mutuo?
What are the interest rates for the mortgage?
I tassi d'interesse cambiano a seconda del tipo di prestito.
The interest rates change depending on the type of loan.
✕Common Mistakes
I tassi d'interesse cambia a seconda del tipo di prestito.
The verb must agree with the plural subject "tassi"; use "cambiano".
I tassi d'interesse cambiano a seconda del tipo di prestiti.
The expression is "a seconda del tipo di prestito" (singular) because "tipo" is singular.
Il tasso d'interesse cambiano a seconda del tipo di prestito.
When referring to multiple rates, use the plural "tassi"; "tasso" is singular.
↔Alternatives
I tassi di interesse variano in base al tipo di prestito.
Interest rates vary based on the type of loan.
Il tasso d'interesse dipende dal tipo di prestito.
The interest rate depends on the type of loan.
Le percentuali di interesse si modificano a seconda del tipo di finanziamento.
The interest percentages change according to the type of financing.
Cultural Tip
In Italy, banks often differentiate rates not only by loan type but also by the borrower’s profile (e.g., income, credit history). When speaking with a bank clerk, it’s polite to use the formal "Lei" form, but the sentence itself is neutral and works in both formal and informal contexts.