initial installment

简明释义

第一次分期付款

英英释义

例句

1.To secure the loan, you need to make an initial installment 首期付款 of at least 20%.

为了获得贷款，你需要至少支付20%的initial installment 首期付款。

2.The contract stipulates that the initial installment 首付 must be paid within 30 days.

合同规定initial installment 首付必须在30天内支付。

3.After making the initial installment 首付款, the customer will receive a receipt.

在支付了initial installment 首付款后，客户将收到一张收据。

4.You can choose to finance your car with a low initial installment 首付款 option.

你可以选择以低initial installment 首付款选项来融资你的汽车。

5.The buyer agreed to pay the initial installment 首付款 of $5,000 before the house was built.

买家同意在房屋建造之前支付$5,000的initial installment 首付款。

作文

When it comes to purchasing a new home, understanding the financial aspects is crucial for any prospective buyer. One of the key terms that often arises in these discussions is the initial installment, which refers to the first payment made towards the purchase price of a property. This payment is typically a percentage of the total cost and is often required to secure a mortgage or loan. In many cases, this initial installment can be seen as a commitment from the buyer, demonstrating their serious intent to proceed with the transaction.In real estate transactions, the initial installment serves several important functions. Firstly, it acts as a down payment, reducing the amount of money that needs to be borrowed. For instance, if a home costs $300,000 and the buyer makes an initial installment of $30,000, they will only need to finance the remaining $270,000 through a mortgage. This not only lowers the monthly payments but also can lead to more favorable loan terms since lenders view buyers who can make a substantial initial installment as less risky.Additionally, the initial installment can help to lock in the purchase price of a property. In competitive markets, sellers may receive multiple offers on their homes. A significant initial installment can make a buyer’s offer more attractive compared to others, especially if the seller is looking for a quick sale. This upfront payment signals to the seller that the buyer is financially stable and serious about the purchase, potentially giving them an edge over other bidders.Furthermore, the initial installment is often accompanied by various fees, such as closing costs and inspection fees, which can add up quickly. Buyers should be prepared for these additional expenses when planning their budgets. Understanding the total amount required for the initial installment and associated costs can prevent financial strain later on. It is advisable for buyers to work closely with a financial advisor or mortgage broker to ensure they have a clear understanding of all the financial responsibilities involved in purchasing a home.In conclusion, the initial installment plays a pivotal role in the home-buying process. It not only signifies the buyer's commitment but also influences their financial strategy moving forward. By making a substantial initial installment, buyers can lower their mortgage amounts, secure better loan terms, and enhance their chances of successfully purchasing their desired property. As such, it is essential for anyone considering buying a home to fully grasp the implications of their initial installment and plan accordingly to ensure a smooth and successful transaction.

在购买新房时，理解财务方面的内容对任何潜在买家至关重要。一个常常出现在这些讨论中的关键术语是初始分期付款，它指的是为房产购买价格支付的第一笔款项。这个付款通常是总成本的一定百分比，通常需要支付以确保获得抵押贷款或贷款。在许多情况下，这个初始分期付款可以被视为买家的承诺，表明他们认真打算进行交易。在房地产交易中，初始分期付款发挥着几个重要的作用。首先，它充当首付，减少了需要借贷的金额。例如，如果一栋房子的价格为30万美元，而买家支付了3万美元的初始分期付款，那么他们只需通过抵押贷款融资剩余的27万美元。这不仅降低了每月的还款额，还可能导致更有利的贷款条件，因为贷款人将能够支付一笔可观的初始分期付款的买家视为风险较小。此外，初始分期付款可以帮助锁定房产的购买价格。在竞争激烈的市场中，卖家可能会收到多份房屋报价。显著的初始分期付款可以使买家的报价相比其他报价更具吸引力，特别是如果卖家希望快速出售。这笔预付款向卖家表明买家在经济上稳定并且对购买抱有认真态度，可能使他们在其他竞标者中占据优势。此外，初始分期付款通常伴随着各种费用，如过户费和检查费，这些费用可能迅速累积。买家在规划预算时应准备好这些额外费用。了解所需的初始分期付款及相关费用的总数可以防止后期的财务压力。建议买家与财务顾问或抵押贷款经纪人密切合作，以确保他们清楚了解购买房屋涉及的所有财务责任。总之，初始分期付款在购房过程中扮演着关键角色。它不仅象征着买家的承诺，还影响着他们未来的财务策略。通过支付可观的初始分期付款，买家可以降低抵押贷款额度，确保更好的贷款条件，并提高成功购买所需房产的机会。因此，考虑购房的任何人都必须充分理解其初始分期付款的影响，并相应地进行规划，以确保交易的顺利和成功。