中文：

一分五利息是一种利率计算方式，它表示每元人民币借款或投资，每月需要支付一分五的利息。在中国，这种利率计算方式比较常见，通常用于银行贷款、民间借贷等场合。

具体来说，如果借款人从银行或民间贷款机构借款10万元，按照一分五的利息计算方式，他每月需要支付1500元的利息。如果借款人选择分期还款，每个月需要偿还的利息和本金之和也是10万元加上一分五的利息。

一分五利息的计算方式相对于其他利率计算方式较为简单，因为它是以每元人民币为基础计算的。但是，这种计算方式也存在一些缺点，例如可能会出现高利贷的情况。因此，在选择贷款或投资时，一定要谨慎考虑利率和还款方式等因素。

英文：

One point five interest rate is a way of calculating interest. It means that for every one yuan of loaned or invested money, an additional one point five yuan of interest is charged. In China, this kind of interest calculation method is quite common, and is usually used in bank loans, private loans, etc.

Specifically, if a borrower takes a loan of 100,000 yuan from a bank or private loan provider, and calculates the interest at one point five yuan per month, he needs to pay 1500 yuan of interest every month. If the borrower chooses a repayment plan with installments, he also needs to pay the principal and interest for the total amount of 100,000 yuan plus one point five yuan of interest every month.

The calculation method of one point five interest rate is relatively simple because it is calculated based on each yuan of the loaned or invested money. However, this calculation method also has some shortcomings, such as the possibility of high-interest loans. Therefore, when choosing a loan or investment, one must carefully consider factors such as interest rates and repayment methods.