excluding interest

简明释义

不包括利息

英英释义

例句

1.The scholarship covers tuition fees of $15,000 excluding interest on loans.

奖学金覆盖的学费为15,000美元，不包括贷款利息。

2.Our budget for the project is $50,000, excluding interest charges.

我们项目的预算是50,000美元，不包括利息费用。

3.The price of the car is $20,000, excluding interest on financing.

这辆车的价格是20,000美元，不包括融资利息。

4.You will need to pay $5,000 excluding interest for the consultation fee.

你需要支付5,000美元的咨询费，不包括利息。

5.The total cost of the loan is $10,000, excluding interest.

贷款的总费用是10,000美元，不包括利息。

作文

Understanding financial terms is crucial for anyone looking to manage their finances effectively. One such term that often arises in discussions about loans, mortgages, and investments is the phrase excluding interest. This phrase refers to the principal amount of money involved in a financial transaction without taking into account any additional costs that come from borrowing money, specifically the interest that accrues over time. To illustrate this concept, let’s consider a simple example: if you take out a loan of $10,000 with an interest rate of 5% per year, the excluding interest amount would simply be the original $10,000, while the total amount you would eventually repay would include the interest accumulated over the loan period.When we talk about budgeting or financial planning, it’s important to differentiate between amounts excluding interest and those that include it. For instance, if someone says they have saved $20,000 excluding interest, it means they are referring to the actual cash they have saved without considering any interest that might have been earned if that money were invested in a savings account or other interest-bearing account. This distinction helps individuals understand their true financial standing and make informed decisions.In investment scenarios, the term excluding interest also plays a significant role. Investors often evaluate the performance of their portfolios by looking at returns excluding interest. For example, if an investor puts money into a bond that pays annual interest, they may want to analyze the growth of their investment based solely on the increase in the bond's value excluding interest. This allows them to assess how well the underlying asset is performing without the influence of interest payments, which can sometimes distort the true picture of investment performance.Moreover, when discussing debts, understanding what is meant by excluding interest can help borrowers make better choices. If a credit card company states that a customer owes $5,000 excluding interest, it indicates the original amount borrowed without considering the additional charges that accumulate due to interest rates. This knowledge is vital for consumers to grasp how much they actually owe and how long it will take to pay off their debt if they only make minimum payments.In conclusion, the phrase excluding interest serves as a fundamental concept in finance that helps individuals and businesses clarify their financial situations. Whether it's assessing savings, evaluating investments, or understanding debts, recognizing the difference between amounts excluding interest and those that include it is essential for effective financial management. By being mindful of this distinction, one can make more informed financial decisions, ultimately leading to better outcomes in both personal and professional financial endeavors.

理解金融术语对于任何希望有效管理财务的人来说都是至关重要的。一个经常出现在贷款、抵押贷款和投资讨论中的术语是短语excluding interest。这个短语指的是在金融交易中涉及的本金金额，而不考虑借款所产生的任何附加费用，特别是随着时间推移而产生的利息。为了说明这一概念，让我们考虑一个简单的例子：如果你借了一笔$10,000的贷款，年利率为5%，那么excluding interest的金额仅仅是原来的$10,000，而你最终需要偿还的总金额将包括在贷款期间累积的利息。当我们谈论预算或财务规划时，区分excluding interest的金额与包含利息的金额是非常重要的。例如，如果有人说他们已经存了$20,000excluding interest，这意味着他们指的是实际存下来的现金，而不考虑如果这笔钱被投资于储蓄账户或其他收益账户可能获得的利息。这种区分帮助个人了解自己的真实财务状况并做出明智的决策。在投资场景中，术语excluding interest也起着重要作用。投资者通常通过查看excluding interest的回报来评估其投资组合的表现。例如，如果一位投资者把钱投入到支付年度利息的债券中，他们可能想要分析基于债券价值增长的投资表现，excluding interest。这使他们能够评估基础资产的表现，而不受利息支付的影响，因为利息支付有时会扭曲投资表现的真实情况。此外，在讨论债务时，理解excluding interest的含义可以帮助借款人做出更好的选择。如果信用卡公司声明客户欠款$5,000excluding interest，这表明欠款是原始借款金额，而不考虑由于利率而累积的额外费用。这一知识对消费者至关重要，使他们掌握自己真正欠多少钱，以及如果他们仅进行最低还款，偿还债务需要多长时间。总之，短语excluding interest在金融中作为一个基本概念，帮助个人和企业澄清他们的财务状况。无论是评估储蓄、评估投资还是理解债务，认识到excluding interest的金额与包含利息的金额之间的区别对于有效的财务管理至关重要。通过关注这一区别，人们可以做出更明智的财务决策，最终在个人和职业财务事务中获得更好的结果。