monthly installment

简明释义

按月分期付款,按月摊付

英英释义

例句

1.They advertised their furniture with a plan that allows customers to pay in monthly installment 月供.

他们以一种允许顾客以月供方式付款的计划宣传家具。

2.You can choose to pay your tuition fees in monthly installment 月供 rather than a lump sum.

你可以选择以月供的方式支付学费，而不是一次性支付。

3.The store offers an option to pay in monthly installment 月供 for expensive electronics.

这家商店提供昂贵电子产品的月供付款选项。

4.After signing the contract, I was informed that my loan would be repaid in monthly installment 月供 of $200.

签署合同后，我被告知我的贷款将以每月月供200美元的方式偿还。

5.I decided to buy a new car and pay for it in monthly installment 月供 over five years.

我决定买一辆新车，并在五年内通过月供来支付。

作文

In today's modern world, many people find themselves in need of financial assistance to purchase big-ticket items such as cars, homes, or even expensive electronics. One common method of financing these purchases is through a system known as a monthly installment. A monthly installment refers to a fixed amount of money that a borrower agrees to pay back to a lender each month over a specified period of time. This arrangement allows individuals to spread the cost of their purchases over several months or years, making it more manageable for their budgets.The concept of monthly installments is particularly appealing because it enables consumers to acquire items they might not be able to afford outright. For instance, when purchasing a car, a buyer might choose to finance the vehicle with a loan that requires them to make monthly installments over three to five years. This way, instead of paying the total price of the car upfront, the buyer can enjoy the benefits of driving their new vehicle while paying it off gradually.Moreover, monthly installments can be found in various types of financing options, including personal loans, mortgages, and credit card payments. For example, when someone buys a house, they typically take out a mortgage that requires them to pay monthly installments over a long duration, often 15 to 30 years. These monthly installments include both principal and interest, allowing homeowners to build equity in their property over time.However, it is essential to understand that while monthly installments make large purchases more accessible, they also come with responsibilities. Borrowers must ensure they can afford the monthly installments within their budget. Failing to make these payments on time can lead to late fees, increased interest rates, and potentially severe consequences such as foreclosure in the case of a mortgage or repossession in the case of a vehicle loan.In addition, it is vital to consider the total cost of financing when opting for monthly installments. Often, lenders charge interest on the amount borrowed, which means that over time, the total amount paid back will exceed the original purchase price. Therefore, before committing to a financing plan, consumers should carefully evaluate the terms, interest rates, and their overall financial situation.While monthly installments can provide a pathway to ownership and convenience, they should be approached with caution and a clear understanding of one’s financial capabilities. It is advisable to create a budget that accounts for these payments and to avoid taking on too much debt that could strain finances in the long run.In conclusion, the use of monthly installments has become a standard practice in consumer financing. This payment method allows individuals to manage their finances effectively while making significant purchases. However, it is crucial to approach this option with thorough knowledge and careful planning to ensure that it serves as a beneficial tool rather than a financial burden.

在当今现代社会，许多人发现自己需要财务援助来购买大宗商品，如汽车、房屋甚至昂贵的电子产品。一种常见的融资方式是通过一种称为月供的系统。月供指的是借款人同意在一段特定时间内每月向贷方偿还的一定金额。这种安排使个人能够将购买成本分摊到几个月或几年中，从而使其预算更易于管理。月供的概念尤其吸引人，因为它使消费者能够获得他们可能无法一次性支付的物品。例如，在购买汽车时，买家可能选择通过贷款来融资该车辆，要求他们在三到五年内支付月供。这样，买家就可以享受到驾驶新车的好处，同时逐步还清车款。此外，月供可以在各种类型的融资选项中找到，包括个人贷款、抵押贷款和信用卡付款。例如，当某人购买房屋时，他们通常会申请抵押贷款，这要求他们在较长的时间内支付月供，通常为15到30年。这些月供包括本金和利息，使房主能够随着时间的推移建立对其财产的权益。然而，重要的是要理解，虽然月供使大型购买变得更可及，但它们也伴随着责任。借款人必须确保他们能够在预算内负担得起月供。未能按时支付这些款项可能导致滞纳金、利率上升，以及潜在的严重后果，例如在抵押贷款的情况下被止赎，或在汽车贷款的情况下被没收。此外，在选择月供时，考虑融资的总成本至关重要。通常，贷方会对借款金额收取利息，这意味着随着时间的推移，偿还的总金额将超过最初的购买价格。因此，在承诺融资计划之前，消费者应仔细评估条款、利率以及他们的整体财务状况。虽然月供可以为拥有和便利提供一条途径，但应谨慎处理，并清楚了解自己的财务能力。建议制定预算，考虑这些付款，并避免承担过多的债务，以免在长期内给财务造成压力。总之，使用月供已成为消费者融资中的一种标准做法。这种付款方式使个人能够有效管理财务，同时进行重大购买。然而，重要的是以全面的知识和谨慎的计划来接近这一选择，以确保它作为有益的工具，而不是财务负担。