annual installments

简明释义

按年(分期)付款

英英释义

例句

1.For tax purposes, you can deduct the interest paid on annual installments 年度分期付款 if it's for a qualified loan.

出于税务目的，如果是合格贷款的年度分期付款 annual installments 的利息，可以进行扣除。

2.The tuition fee can be paid in annual installments 年度分期付款 to make it easier for families.

学费可以通过年度分期付款 annual installments 支付，以便家庭更容易承担。

3.He decided to pay for his new car in annual installments 年度分期付款 over five years.

他决定在五年内通过年度分期付款 annual installments 来支付新车的费用。

4.She opted for the house loan that allowed her to repay in annual installments 年度分期付款 instead of monthly.

她选择了允许她以年度分期付款 annual installments 而不是按月偿还的房屋贷款。

5.The company offers a program where you can purchase equipment in annual installments 年度分期付款 over three years.

该公司提供一个项目，您可以在三年内通过年度分期付款 annual installments 购买设备。

作文

In today's economy, many people are seeking ways to manage their finances more effectively. One common method that has gained popularity is the use of financing options that allow individuals to make purchases over time. Among these options, paying in annual installments (年分期付款) has become a prevalent choice for both consumers and businesses alike. This essay will explore the concept of annual installments and how it can benefit individuals in various financial situations.The term annual installments refers to a payment plan where the total cost of a product or service is divided into equal payments made once a year. This approach can be particularly advantageous for large purchases, such as buying a car, a home, or even funding education. Instead of paying the entire amount upfront, which can be financially burdensome, individuals can spread the cost over several years, making it more manageable.One of the primary benefits of using annual installments is that it allows for better cash flow management. For instance, consider a family that wants to buy a new vehicle costing $30,000. If they choose to pay this amount in full upfront, it may deplete their savings or disrupt their monthly budget. However, by opting for annual installments, they could pay $10,000 each year for three years. This arrangement allows them to maintain their savings while still acquiring the necessary asset.Additionally, annual installments can be beneficial for budgeting purposes. When individuals know exactly how much they need to set aside each year for a particular purchase, it becomes easier to plan their finances accordingly. This predictability helps avoid unexpected financial strain, which can occur when facing a large one-time payment.Moreover, annual installments can sometimes come with lower interest rates compared to other financing options. Many lenders offer attractive terms for long-term loans, especially for significant investments like real estate. By choosing a plan with annual installments, borrowers may find themselves paying less in interest over time than if they were to take out a shorter-term loan with higher monthly payments.However, it is essential for individuals to assess their financial situation before committing to annual installments. While spreading payments over several years can ease immediate financial pressure, it is crucial to ensure that the total cost does not exceed what one can afford in the long run. Additionally, potential buyers should consider whether they will be able to keep up with the annual payments, especially if their financial circumstances change unexpectedly.In conclusion, annual installments (年分期付款) provide a practical solution for managing large expenses without overwhelming one's budget. By allowing individuals to spread payments over time, this method promotes better cash flow management, aids in budgeting, and can potentially reduce overall interest costs. As such, it is a valuable option for those looking to make significant purchases while maintaining financial stability. Ultimately, understanding the implications of annual installments is essential for making informed financial decisions that align with one's long-term goals.