loan tied to an index; indexed loan

简明释义

按指数偿付的贷款,按指数计值偿付的放款

英英释义

例句

1.A loan tied to an index; indexed loan can adjust its rate based on the performance of a specific financial index.

一笔与指数挂钩的贷款；指数贷款可以根据特定金融指数的表现调整其利率。

2.Investors often look for loan tied to an index; indexed loan options to hedge against inflation.

投资者通常寻找与指数挂钩的贷款；指数贷款选项以对冲通货膨胀。

3.Borrowers should understand how a loan tied to an index; indexed loan works before signing any agreements.

借款人在签署任何协议之前应了解与指数挂钩的贷款；指数贷款的运作方式。

4.Many homeowners prefer a loan tied to an index; indexed loan because it can provide lower initial rates.

许多房主更喜欢与指数挂钩的贷款；指数贷款，因为它可以提供更低的初始利率。

5.When interest rates rise, a loan tied to an index; indexed loan may become more expensive over time.

当利率上升时，与指数挂钩的贷款；指数贷款可能会随着时间的推移变得更昂贵。

作文

In the world of finance, understanding different types of loans is crucial for making informed decisions. One such type is a loan tied to an index; indexed loan, which can be particularly beneficial in certain economic conditions. This type of loan is linked to a specific financial index, meaning that its interest rate fluctuates based on changes in that index. For example, if the loan is tied to the LIBOR (London Interbank Offered Rate), as the LIBOR rate increases or decreases, so too will the interest rate on the loan. This characteristic can be both advantageous and disadvantageous for borrowers. On one hand, a loan tied to an index; indexed loan can offer lower initial interest rates compared to fixed-rate loans. Borrowers may find themselves paying less in the early years of their loan, which can significantly reduce overall costs, especially if they plan to pay off the loan quickly. Additionally, if the index to which the loan is tied experiences a period of low rates, borrowers can benefit from lower payments over time.However, there are risks associated with this type of loan. The most significant risk is the potential for rising interest rates. If the index rises, the cost of borrowing can increase substantially, leading to higher monthly payments. This unpredictability can make budgeting more challenging for borrowers who might not be prepared for sudden increases in their financial obligations. It is essential for anyone considering a loan tied to an index; indexed loan to carefully assess their financial situation and risk tolerance.Another important aspect to consider is the nature of the index itself. Different indices can behave differently based on market conditions. For instance, some indices are more stable than others, and understanding the historical performance of the chosen index can provide insight into future trends. Borrowers should conduct thorough research or consult financial advisors to choose the most suitable index for their needs.In conclusion, a loan tied to an index; indexed loan can be a valuable financial tool when used wisely. It offers flexibility and potential cost savings, but it also carries risks that must be managed. By understanding how these loans work and the implications of tying them to an index, borrowers can make better financial decisions that align with their long-term goals. Whether one chooses a fixed-rate loan or an indexed loan, the key is to evaluate personal financial circumstances and market conditions to find the best fit for one's needs.

在金融世界中，理解不同类型的贷款对于做出明智的决策至关重要。一个这样的类型是与指数挂钩的贷款；指数贷款，在某些经济条件下尤其有利。这种类型的贷款与特定的金融指数挂钩，这意味着其利率会根据该指数的变化而波动。例如，如果贷款与LIBOR（伦敦银行间拆借利率）挂钩，那么随着LIBOR利率的上升或下降，贷款的利率也会相应变化。这一特性对借款人而言既有优势也有劣势。一方面，与指数挂钩的贷款；指数贷款相比固定利率贷款，初始利率可能更低。借款人可能会发现，在贷款的早期几年支付的金额较少，这可以显著降低总体成本，特别是如果他们计划快速偿还贷款。此外，如果与贷款挂钩的指数经历了低利率时期，借款人可以在一段时间内受益于较低的支付。然而，这种类型的贷款也存在风险。最显著的风险是利率上升的可能性。如果指数上升，借款成本可能会大幅增加，导致每月还款额增加。这种不可预测性可能使借款人的预算变得更加困难，因为他们可能没有准备好应对财务义务的突然增加。考虑到这一点，任何考虑申请与指数挂钩的贷款；指数贷款的人都必须仔细评估自己的财务状况和风险承受能力。另一个重要的方面是所选指数的性质。不同的指数在市场条件下可能表现不同。举例来说，某些指数比其他指数更稳定，了解所选指数的历史表现可以为未来趋势提供洞察。借款人应进行彻底的研究，或咨询财务顾问，以选择最适合自己需求的指数。总之，与指数挂钩的贷款；指数贷款在明智使用时可以成为一种有价值的金融工具。它提供了灵活性和潜在的成本节约，但也带来了必须管理的风险。通过了解这些贷款的运作方式以及将其与指数挂钩的影响，借款人可以做出更符合长期目标的财务决策。无论选择固定利率贷款还是指数贷款，关键是评估个人财务状况和市场条件，以找到最适合自己需求的选择。