yearly installments

简明释义

按年摊还

英英释义

例句

1.You can pay for your new car in yearly installments (年度分期付款) over five years.

你可以在五年内通过年度分期付款的方式支付你的新车。

2.You can finance your education by taking out a loan that requires yearly installments (年度分期付款).

你可以通过申请一笔贷款来资助你的教育，该贷款要求以年度分期付款的方式偿还。

3.The furniture store allows customers to buy items in yearly installments (年度分期付款) for more manageable payments.

这家家具店允许顾客通过年度分期付款的方式购买商品，以便于管理付款。

4.Many students prefer to pay their tuition fees in yearly installments (年度分期付款) rather than a lump sum.

许多学生更喜欢以年度分期付款的方式支付学费，而不是一次性支付。

5.Our company offers a plan that allows you to purchase a home with yearly installments (年度分期付款).

我们公司提供一种计划，允许你通过年度分期付款的方式购买房屋。

作文

In today's world, many individuals and families find themselves navigating the complexities of financial planning. One common method to manage large expenses is through the use of financing options that allow for payments over time. One such option is paying in yearly installments, which refers to dividing the total cost of a purchase into smaller, manageable payments made once a year. This approach can be beneficial for various reasons, particularly when it comes to budgeting and managing cash flow.Firstly, consider the purchase of a new car. The total cost might be quite high, making it difficult for many people to pay upfront. By opting for yearly installments instead, an individual can spread the cost over several years, making it easier to afford. For example, if a car costs $20,000, paying in yearly installments of $4,000 over five years can make the financial burden feel lighter. This method allows buyers to enjoy their new vehicle without the stress of a significant immediate expense.Secondly, yearly installments can help people manage their budgets more effectively. When individuals know they have a fixed payment each year, they can plan their finances accordingly. This predictability can lead to better savings habits, as people can allocate a specific portion of their income to cover these payments. It also means that unexpected expenses, such as medical bills or home repairs, are less likely to derail their financial plans.Moreover, yearly installments can sometimes come with lower interest rates compared to other financing options. Many lenders offer favorable terms for long-term loans, which can result in lower overall costs. This can be particularly advantageous for larger purchases, such as homes or education, where the total cost can be daunting. By spreading the payments out over several years, borrowers may find that they can afford more than they initially thought possible, allowing them to invest in their future.However, it's important to approach yearly installments with caution. While they can provide flexibility and ease, they can also lead to long-term debt if not managed properly. Borrowers should carefully assess their financial situation before committing to this type of payment plan. It's essential to ensure that the total cost, including any interest, remains within a manageable range. Additionally, individuals should consider their future income prospects and potential changes in their financial circumstances that could impact their ability to make these payments.In conclusion, yearly installments offer a practical solution for managing large expenses. They allow individuals to break down significant costs into more manageable payments, making it easier to budget and plan for the future. However, like any financial tool, they require careful consideration and responsible management. By understanding the benefits and potential pitfalls of yearly installments, individuals can make informed decisions that contribute to their overall financial health and stability.

在当今世界，许多个人和家庭发现自己在应对财务规划的复杂性。管理大额开支的一种常见方法是通过分期付款选项，这使得人们能够在一段时间内进行支付。其中一种选择是按年度分期付款，这指的是将购买的总费用分成较小、可管理的每年一次的支付。这种方法在预算和管理现金流方面特别有益。首先，考虑一下购买新车。总成本可能相当高，使得许多人难以一次性支付。通过选择年度分期付款，个人可以将费用分摊到几年中，从而更容易承担。例如，如果一辆车的价格为$20,000，选择年度分期付款每年支付$4,000，分五年支付，可以让财务负担感觉更轻。这种方法让买家能够享受他们的新车，而不必承受巨大的即时开支压力。其次，年度分期付款可以帮助人们更有效地管理预算。当个人知道每年都有固定的付款时，他们可以相应地计划自己的财务。这种可预测性可以导致更好的储蓄习惯，因为人们可以将收入的特定部分分配用于这些付款。此外，意外开支，如医疗账单或房屋维修，也不太可能破坏他们的财务计划。此外，年度分期付款有时可能会伴随较低的利率，与其他融资选项相比。许多贷款机构为长期贷款提供优惠条件，这可能导致总体成本降低。这对于更大额的购买，如房屋或教育来说尤其有利，因为总成本可能让人感到畏惧。通过将付款分散到几年中，借款人可能会发现他们能够负担得起比最初想象的更多，这使他们能够投资于未来。然而，采取年度分期付款时需要谨慎。虽然它们可以提供灵活性和便利，但如果管理不当，也可能导致长期债务。借款人在承诺这种支付计划之前，应仔细评估自己的财务状况。确保包括任何利息在内的总成本仍然在可管理的范围内至关重要。此外，个人还应考虑未来的收入前景以及可能影响他们偿还能力的财务状况变化。总之，年度分期付款为管理大额开支提供了一种实用的解决方案。它们使个人能够将重大费用分解为更易于管理的付款，从而更容易进行预算和规划未来。然而，像任何金融工具一样，它们需要经过仔细考虑和负责任的管理。通过理解年度分期付款的好处和潜在陷阱，个人可以做出明智的决策，从而促进整体财务健康和稳定。