cum interest

简明释义

附有利息

英英释义

例句

1.The loan amount will be repaid in full, cum interest.

贷款金额将全额偿还，连同利息。

2.The settlement was made cum interest to compensate for the delay.

和解是以连同利息的方式进行，以补偿延误。

3.You need to pay your taxes cum interest if they are overdue.

如果税款逾期，你需要支付连同利息的费用。

4.The bond will mature cum interest at the end of the term.

该债券将在到期时连同利息一起到期。

5.He received his investment back cum interest after five years.

他在五年后收回了投资，连同利息。

作文

In the world of finance and economics, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about loans, investments, and financial agreements is cum interest. This Latin phrase translates to 'with interest' and refers to the inclusion of interest in the total amount owed or received. Knowing how to apply this concept can significantly impact both personal and business finances.When someone borrows money, they typically agree to repay not only the principal amount but also the interest accrued over time. For instance, if a person takes out a loan of $10,000 at an annual interest rate of 5% for three years, the total amount payable at the end of the term would be the principal plus the interest. In this case, the interest would be calculated as follows: $10,000 x 0.05 x 3 = $1,500. Therefore, the borrower would owe a total of $11,500, which can be stated as 'the loan amount cum interest.' This illustrates how the term is used in practical scenarios, emphasizing the importance of considering interest when evaluating financial obligations.Moreover, cum interest is not limited to loans; it also applies to investments. When investors purchase bonds or other fixed-income securities, they often receive periodic interest payments along with the return of their principal investment at maturity. For example, if an investor buys a bond worth $1,000 that pays 4% interest annually for five years, the total amount received at maturity would be $1,000 plus the interest accrued over those five years. The total interest earned would be $1,000 x 0.04 x 5 = $200. Thus, the investor would receive $1,200 at maturity, which can again be referred to as the investment cum interest.Understanding cum interest is essential for budgeting and financial planning. Individuals and businesses must account for interest when forecasting future cash flows and determining the feasibility of various financial strategies. For example, if a small business plans to expand and needs to borrow funds, it should calculate the total cost of the loan, including interest, to ensure that it can meet its repayment obligations without jeopardizing its operations.Additionally, the concept of cum interest extends beyond mere calculations; it also carries implications for negotiations and agreements. When entering into financial contracts, parties must clearly outline the terms related to interest to avoid misunderstandings. For instance, a seller may offer a payment plan for a large purchase, stating that the buyer will pay the price cum interest. This means that the buyer should be aware of the total amount they will owe, including any additional charges due to interest.In conclusion, the term cum interest plays a significant role in financial transactions, affecting everything from loans and investments to budgeting and contractual agreements. By understanding this phrase and its implications, individuals and businesses can make more informed decisions, ensuring that they are fully aware of their financial commitments. Whether borrowing money or investing in securities, recognizing the importance of interest is crucial for achieving financial success and stability.

在金融和经济的世界中，理解各种术语对做出明智的决策至关重要。其中一个常常出现在贷款、投资和金融协议讨论中的术语是cum interest。这个拉丁短语翻译为“连同利息”，指的是在总欠款或收入中包含利息。了解如何应用这一概念可以显著影响个人和商业财务。当某人借钱时，他们通常同意偿还不仅是本金，还有随时间累积的利息。例如，如果一个人以5%的年利率借款10,000美元，期限为三年，那么在期末应偿还的总额将是本金加上利息。在这种情况下，利息的计算方法如下：10,000美元 x 0.05 x 3 = 1,500美元。因此，借款人将欠11,500美元，这可以表述为“贷款金额cum interest。”这说明了该术语在实际场景中的使用，强调了在评估财务义务时考虑利息的重要性。此外，cum interest不仅限于贷款；它也适用于投资。当投资者购买债券或其他固定收益证券时，他们通常会在本金到期时收到定期的利息支付。例如，如果一位投资者购买一张价值1,000美元的债券，该债券每年支付4%的利息，为期五年，那么到期时总共收到的金额将是1,000美元加上这五年内累积的利息。总共获得的利息将是1,000美元 x 0.04 x 5 = 200美元。因此，投资者到期时将收到1,200美元，这同样可以称为投资cum interest。理解cum interest对预算和财务规划至关重要。个人和企业必须在预测未来现金流和确定各种财务策略的可行性时考虑利息。例如，如果一家小企业计划扩展并需要借款，它应该计算贷款的总成本，包括利息，以确保能够满足还款义务，而不危及其运营。此外，cum interest的概念超越了简单的计算；它还对谈判和协议产生了影响。在签订金融合同时，各方必须明确列出与利息相关的条款，以避免误解。例如，卖方可能会为大宗采购提供分期付款计划，声明买方将以价格cum interest进行支付。这意味着买方应该意识到他们将欠的总金额，包括因利息而产生的任何额外费用。总之，术语cum interest在金融交易中发挥着重要作用，影响从贷款和投资到预算和合同协议的一切。通过理解这个短语及其含义，个人和企业可以做出更明智的决策，确保他们充分意识到自己的财务承诺。无论是借款还是投资证券，认识到利息的重要性对于实现财务成功和稳定至关重要。