interest based on uncollected balance

简明释义

按未收余额计息

英英释义

例句

1.Investors should be aware of any interest based on uncollected balance when evaluating their returns.

投资者在评估回报时应注意任何基于未收款余额的利息。

2.The financial report highlighted the interest based on uncollected balance as a significant expense.

财务报告强调了基于未收款余额的利息作为一项重要支出。

3.The bank charges interest based on uncollected balance for accounts that have pending transactions.

银行对有待处理交易的账户收取基于未收款余额的利息。

4.Before closing the account, make sure you understand the interest based on uncollected balance policy.

在关闭账户之前，确保您了解基于未收款余额的利息政策。

5.Some credit cards apply interest based on uncollected balance if the payment is late.

如果付款延迟，一些信用卡会收取基于未收款余额的利息。

作文

In the world of finance and banking, understanding various terms and concepts is crucial for both consumers and businesses. One such term that often arises in discussions about loans and credit is interest based on uncollected balance. This phrase refers to the interest that is calculated on the portion of a loan or credit line that has not yet been paid back. To grasp this concept fully, it is essential to break down its components and understand how it impacts borrowers.When a borrower takes out a loan, they are typically required to pay back the principal amount along with interest. The interest is usually calculated based on the remaining balance of the loan. However, in some cases, particularly in revolving credit lines like credit cards, the interest can be calculated based on the uncollected balance—the amount that the borrower has not yet paid off. This means that if a borrower makes only partial payments, the lender may still charge interest on the total amount owed, rather than just the amount that remains unpaid after the payment.This practice can significantly affect a borrower's financial situation. For instance, if a person has a credit card with a high uncollected balance, they may find themselves accruing interest at a much faster rate than anticipated. This can lead to a cycle of debt where the borrower struggles to pay off the balance due to the accumulating interest. Understanding this aspect of borrowing is vital for individuals to manage their finances effectively.Moreover, lenders often use this method of calculating interest as a way to mitigate risk. By charging interest on the uncollected balance, they ensure that they are compensated for the time during which the money is outstanding. This can also serve as a deterrent for borrowers who might otherwise delay payments, encouraging them to pay off their debts more quickly.It is important for borrowers to read the fine print of their loan agreements or credit card terms. Many people do not realize that interest based on uncollected balance can lead to higher overall costs. Being informed about how interest is calculated can help individuals make better financial decisions, such as knowing when to pay off their balances in full to avoid additional charges.In conclusion, interest based on uncollected balance is a critical concept in the realm of personal finance. It highlights the importance of understanding how interest is applied to loans and credit. By being aware of this practice, borrowers can take proactive steps to manage their debts and minimize interest payments. Financial literacy is key in today's economy, and understanding terms like uncollected balance can empower individuals to make informed choices regarding their financial health.

在金融和银行的世界中，理解各种术语和概念对消费者和企业都至关重要。其中一个常常出现在贷款和信用讨论中的术语是基于未收余额的利息。这个短语指的是在尚未偿还的贷款或信用额度部分上计算的利息。要充分掌握这一概念，必须拆解其组成部分并理解它如何影响借款人。当借款人申请贷款时，他们通常需要偿还本金及其利息。利息通常是根据贷款的剩余余额计算的。然而，在某些情况下，特别是在像信用卡这样的循环信用额度中，利息可以根据未收余额计算——即借款人尚未偿还的金额。这意味着如果借款人只进行部分付款，贷方可能仍会根据所欠的总金额收取利息，而不仅仅是支付后剩下的未偿还金额。这种做法可能会显著影响借款人的财务状况。例如，如果一个人的信用卡有高额的未收余额，他们可能会发现自己以比预期更快的速度累积利息。这可能导致债务循环，借款人因利息不断增加而难以偿还余额。理解借款的这一方面对于个人有效管理财务至关重要。此外，贷方通常使用这种计算利息的方法来降低风险。通过在未收余额上收取利息，他们确保在资金未偿还期间获得补偿。这也可以作为一种威慑措施，促使借款人更快地偿还债务，以免延迟付款。借款人阅读贷款协议或信用卡条款的细则非常重要。许多人没有意识到，基于未收余额的利息可能导致更高的总体成本。了解利息是如何计算的，可以帮助个人做出更好的财务决策，例如知道何时全额偿还余额以避免额外费用。总之，基于未收余额的利息是个人财务领域的一个关键概念。它突显了理解利息如何适用于贷款和信用的重要性。通过了解这一做法，借款人可以采取主动措施来管理债务并减少利息支付。在当今经济中，金融素养至关重要，理解像未收余额这样的术语可以使个人能够做出明智的财务选择。