loan at call

简明释义

拆放

英英释义

例句

1.I took out a loan at call to cover unexpected expenses.

我申请了一个随时可取的贷款来应对意外开支。

2.The terms of the loan at call require me to pay interest only until I repay the principal.

这个随时可取的贷款的条款要求我仅支付利息，直到我偿还本金。

3.With a loan at call, I can withdraw funds whenever I need them.

通过随时可取的贷款，我可以在需要时随时提取资金。

4.The bank offered me a loan at call for my new business venture.

银行为我的新商业项目提供了一个随时可取的贷款。

5.Investors often prefer a loan at call because it provides flexibility in repayment.

投资者通常更喜欢随时可取的贷款，因为它在还款方面提供了灵活性。

作文

In the world of finance, understanding various types of loans is crucial for both individuals and businesses. One such type is a loan at call, which refers to a loan that can be demanded by the lender at any time. This means that the borrower must repay the loan upon the lender's request, providing a level of flexibility for the lender but also a potential risk for the borrower. The nature of a loan at call can be particularly beneficial in certain financial situations. For instance, businesses may require quick access to funds for unexpected expenses or opportunities, making this type of loan an attractive option. However, the borrower must be prepared for the possibility of needing to repay the loan on short notice, which can create financial strain if adequate cash reserves are not available.The interest rates associated with a loan at call may vary significantly compared to traditional loans. Lenders often charge higher interest rates for these loans due to the increased risk they assume. Since the lender has the right to demand repayment at any time, they need to ensure that the potential returns justify the risks involved. Therefore, borrowers should carefully evaluate their financial situation and ability to repay the loan quickly before entering into such an agreement.Another important aspect to consider is the impact of a loan at call on credit ratings. If a borrower is unable to meet the demands of repayment when called upon, it could lead to negative consequences for their credit score. This could hinder their ability to secure future financing or loans, creating a cycle of financial difficulty. Thus, it is essential for borrowers to maintain open communication with lenders and to have a clear understanding of the terms and conditions surrounding a loan at call.In conclusion, while a loan at call can offer flexibility and quick access to funds, it comes with its own set of risks and responsibilities. Borrowers must weigh the benefits against the potential drawbacks, ensuring they have a solid plan in place for repayment. Understanding the implications of such loans can empower individuals and businesses to make informed financial decisions, ultimately leading to greater financial stability and success. As with any financial product, thorough research and careful consideration are key to navigating the complexities of loans effectively.

在金融世界中，理解各种类型的贷款对于个人和企业都是至关重要的。其中一种类型是随叫随到的贷款，指的是借款人可以在任何时候要求偿还的贷款。这意味着借款人必须在贷方的要求下偿还贷款，这为贷方提供了一定的灵活性，但也给借款人带来了潜在的风险。随叫随到的贷款的性质在某些金融情况下可能特别有利。例如，企业可能需要快速获得资金以应对意外开支或机会，这使得这种贷款成为一个有吸引力的选择。然而，借款人必须准备好在短时间内偿还贷款的可能性，如果没有足够的现金储备，这可能会造成财务压力。与传统贷款相比，随叫随到的贷款的利率可能会有显著差异。由于承担了更大的风险，贷方通常会对这些贷款收取更高的利率。由于贷方有权随时要求偿还，他们需要确保潜在的收益能够合理化所涉及的风险。因此，借款人在签订此类协议之前，应仔细评估自己的财务状况及快速偿还贷款的能力。另一个重要方面是随叫随到的贷款对信用评级的影响。如果借款人在被要求偿还时无法满足要求，可能会对其信用评分产生负面影响。这可能会妨碍他们获得未来的融资或贷款，形成财务困难的循环。因此，借款人与贷方之间保持开放的沟通，并清楚了解与随叫随到的贷款相关的条款和条件，对于借款人来说至关重要。总之，虽然随叫随到的贷款可以提供灵活性和快速获取资金的机会，但它也伴随着自身的一系列风险和责任。借款人必须权衡利益与潜在的缺点，确保他们有一个明确的偿还计划。理解此类贷款的影响可以使个人和企业做出明智的财务决策，最终实现更大的财务稳定和成功。与任何金融产品一样，彻底的研究和谨慎的考虑是有效驾驭贷款复杂性的关键。