中文：

利息3分是指借款或存款的利率为3%。这里的“分”是利率的单位，1分为1%，所以3分就是3%。这是一种比较常见的利率表达方式，特别是在一些民间借款或者地下钱庄等非正式的金融交易中。

在借款合同中，利息3分通常意味着借款人需要向贷款人支付借款总额的3%作为利息。例如，如果借款人向贷款人借款10万元，那么他需要支付3000元的利息。

在存款合同中，利息3分通常意味着存款人可以获得存款总额的3%作为年化利率。例如，如果存款人存入10万元，那么他可以获得每年3000元的利息。

需要注意的是，利息3分只是一个利率的表示方式，具体的利率水平和计息方式还需要根据具体的借款或存款合同来确定。此外，在一些高风险的投资或借款活动中，高利率也可能会带来相应的风险。

英文：

Interest of 3 points refers to a borrowing or deposit interest rate of 3%. Here, "points" are the units of interest rates. 1 point is equal to 1%, so 3 points are 3%. This is a common way of expressing interest rates, especially in informal financial transactions such as private loans or underground money houses.

In a loan contract, interest of 3 points usually means that the borrower needs to pay the lender 3% of the total loan amount as interest. For example, if a borrower loans 100,000 yuan, he needs to pay 3,000 yuan in interest.

In a deposit contract, interest of 3 points usually means that the depositor can receive 3% of the total deposit amount as an annualized interest rate. For example, if a depositor deposits 100,000 yuan, he can receive 3,000 yuan in interest per year.

It should be noted that interest of 3 points is only a way of expressing interest rates. The specific interest rate level and calculation method need to be determined based on the specific loan or deposit contract. In addition, in some high-risk investment or borrowing activities, high interest rates may also bring corresponding risks.