英语翻译

per annum rounded downwards to the nearest one-eighth of 1%
每年,下调以凑整至最接近的1％的八分之一前面的句子是 average lending rate of bank，per annum rounded downwards to the nearest one-eighth of 1%如果是连起来的话，该怎么翻呢?多谢了average lending rate of bank，平均的银行出借利率，以每年记，下调以凑整至最接近的1％的八分之一就是如果是0.253%，那么就报0.25%，因为0.25% 是1%的八分之一的2倍。