monthly installment

简明释义

按月付款

英英释义

例句

1.I decided to buy a new laptop and pay for it in monthly installment 月供 over the next year.

我决定买一台新笔记本电脑，并在接下来的一年里通过月供来付款。

2.You can spread the cost of your new smartphone over six monthly installments 月供.

你可以将新智能手机的费用分摊到六个月供中。

3.The car dealership offers a plan where you can finance your vehicle with a low monthly installment 月供.

这家汽车经销商提供一个计划，你可以用较低的月供来融资购买你的车辆。

4.The furniture store allows customers to purchase items with monthly installments 月供 instead of paying in full upfront.

这家家具店允许顾客用月供的方式购买商品，而不是一次性全额支付。

5.My friend is paying off his student loans in monthly installments 月供 that fit his budget.

我的朋友正在按照适合他预算的月供偿还他的学生贷款。

作文

In today's world, many people find themselves in need of financial assistance to make significant purchases, such as a car or a home. One common solution to this problem is to pay for these items through a system known as a monthly installment. This method allows individuals to break down the total cost into smaller, manageable payments made over a specified period. Understanding how monthly installment plans work can be crucial for anyone looking to make a large purchase without straining their finances.The concept of monthly installment payments is straightforward. Instead of paying the full price of an item upfront, a buyer agrees to pay a certain amount each month until the total cost is covered. This arrangement often includes interest, which means that the total amount paid over time may exceed the original price. However, the benefit of this system lies in its ability to make expensive items more accessible. For instance, rather than saving for years to buy a car outright, a person can drive away with their new vehicle after making just a small down payment and agreeing to monthly installment payments.Many retailers and financial institutions offer monthly installment plans, making it easier for consumers to finance their purchases. These plans vary in terms of length, interest rates, and payment amounts. Some may require a credit check, while others may not. It is essential for buyers to read the terms and conditions carefully before committing to a monthly installment agreement. Hidden fees or high-interest rates can turn a seemingly manageable payment into a financial burden.One of the most significant advantages of using monthly installment plans is the flexibility they provide. Individuals can budget their finances more effectively when they know exactly how much they will need to pay each month. This predictability can help prevent overspending and allow for better financial planning. Additionally, monthly installment payments can often be set up to coincide with an individual's payday, making it easier to manage cash flow.However, there are also risks associated with monthly installment payments. If a person encounters unexpected financial difficulties, such as job loss or medical emergencies, they may struggle to keep up with their payments. Missing payments can lead to penalties, increased interest rates, or even repossession of the purchased item. Therefore, it is crucial for consumers to assess their financial situation before entering into a monthly installment agreement.In conclusion, monthly installment plans can be an effective way for individuals to acquire expensive items without overwhelming their finances. By spreading the cost over several months, buyers can enjoy their purchases while managing their budgets. However, it is essential to approach these agreements with caution, ensuring that one fully understands the terms and is prepared for the commitment. With careful planning and consideration, monthly installment payments can be a valuable tool in achieving financial goals and making significant purchases more attainable.

在当今世界，许多人发现自己需要财务援助来进行重大购买，例如汽车或房屋。解决这个问题的一种常见方法是通过一种称为分期付款的系统来支付这些物品。这种方法允许个人将总成本分解为较小、可管理的每月付款，分期支付一段时间。理解分期付款计划的运作方式对任何希望进行大额购买而不使自己的财务紧张的人来说都至关重要。分期付款的概念很简单。买方同意每月支付一定金额，直到支付完总费用，而不是一次性支付商品的全价。这种安排通常包括利息，这意味着随着时间的推移，总支付金额可能会超过原始价格。然而，这种系统的好处在于它能够使昂贵的物品更易于获得。例如，与其为了全款购买一辆汽车而节省多年，不如在支付少量首付款并同意分期付款后，开走新车。许多零售商和金融机构提供分期付款计划，使消费者更容易为他们的购买融资。这些计划在期限、利率和付款金额方面各不相同。有些可能要求信用检查，而其他的则可能不需要。在承诺分期付款协议之前，买方仔细阅读条款和条件至关重要。隐藏费用或高利率可能会将看似可管理的付款变成财务负担。使用分期付款计划的一个显著优势是它们提供的灵活性。当个人确切知道每月需要支付多少时，可以更有效地预算财务。这种可预测性可以帮助防止过度消费，并允许更好的财务规划。此外，分期付款通常可以设置与个人的发薪日相一致，从而更容易管理现金流。然而，分期付款也存在风险。如果一个人遇到意外的财务困难，例如失业或医疗紧急情况，他们可能会难以跟上付款。错过付款可能会导致罚款、利率上升，甚至购买物品的被收回。因此，消费者在进入分期付款协议之前，评估自己的财务状况至关重要。总之，分期付款计划可以成为个人在不压垮自己财务的情况下获取昂贵物品的有效方式。通过将成本分摊到几个月中，买家可以在管理预算的同时享受他们的购买。然而，谨慎对待这些协议至关重要，确保充分理解条款并为承诺做好准备。通过仔细规划和考虑，分期付款可以成为实现财务目标和使重大购买更易获得的有价值工具。