billed principal

简明释义

缓付的本金

英英释义

例句

1.The bank statement clearly outlines the billed principal for each loan taken.

银行对账单清楚地列出了每笔贷款的计费本金。

2.The accountant explained that the billed principal is the original amount borrowed.

会计解释说，计费本金是借款的原始金额。

3.You can negotiate the terms based on the billed principal of your outstanding debts.

你可以根据未偿债务的计费本金来协商条款。

4.The total amount due includes the billed principal and any interest accrued.

总应付款项包括计费本金和任何产生的利息。

5.Before making a payment, ensure you know the billed principal to avoid overpaying.

在付款之前，确保你知道计费本金以避免多付。

作文

In the realm of finance and accounting, terms can often become convoluted and difficult to understand. One such term that frequently arises is the billed principal, which refers to the original amount of a loan or investment that is subject to repayment, excluding any interest or additional fees. Understanding this concept is crucial for anyone involved in financial transactions, as it lays the foundation for comprehending how loans and debts are structured. When a borrower takes out a loan, they are typically required to repay the billed principal along with interest over a specified period. This means that the total amount paid back will be greater than the billed principal due to the added cost of borrowing. For instance, if an individual borrows $10,000, the billed principal is $10,000, but the total repayment amount may rise to $12,000 after accounting for interest. This distinction is vital for borrowers to grasp, as it directly impacts their financial planning and budgeting. Furthermore, understanding the billed principal can also aid in comparing different loan offers. Lenders may present varying interest rates and terms, making it essential for borrowers to evaluate not just the billed principal, but also the overall cost of borrowing. By analyzing the billed principal alongside the interest rates and fees, borrowers can make informed decisions that align with their financial goals. In addition, the billed principal plays a significant role in amortization schedules, which outline how much of each payment goes toward the principal versus interest. As payments are made, the billed principal decreases, leading to lower interest charges over time. This process highlights the importance of timely payments, as missing a payment can result in increased interest costs and prolong the repayment period. Overall, the concept of billed principal is integral to understanding personal finance and loan management. It provides a clear picture of what is owed and serves as a benchmark for evaluating financial commitments. By familiarizing oneself with this term, individuals can navigate the complexities of borrowing with greater confidence and clarity. In conclusion, the billed principal is a fundamental aspect of financial literacy that everyone should understand. Whether one is taking out a mortgage, a car loan, or even a personal loan, knowing the billed principal helps in making sound financial decisions. It empowers borrowers to take control of their finances, ensuring that they are fully aware of their obligations and the implications of their borrowing choices. Therefore, it is essential to not only recognize the billed principal but also to appreciate its significance in the broader context of financial management and planning.

在金融和会计领域，术语常常变得复杂且难以理解。其中一个经常出现的术语是billed principal，它指的是贷款或投资的原始金额，该金额需偿还，不包括任何利息或附加费用。理解这个概念对任何参与金融交易的人来说都是至关重要的，因为它为理解贷款和债务的结构奠定了基础。当借款人申请贷款时，他们通常需要在规定的期限内偿还billed principal以及利息。这意味着支付的总金额将大于billed principal，因为借款的附加成本。例如，如果一个人借款10,000美元，则billed principal为10,000美元，但在考虑利息后，总还款金额可能上升至12,000美元。这个区别对于借款人来说至关重要，因为它直接影响他们的财务规划和预算。此外，理解billed principal也有助于比较不同的贷款报价。贷方可能会提供不同的利率和条款，因此借款人需要评估的不仅仅是billed principal，还包括借款的整体成本。通过分析billed principal及其利率和费用，借款人可以做出与其财务目标相符的明智决策。此外，billed principal在摊销计划中也起着重要作用，摊销计划概述了每笔付款中有多少用于本金，多少用于利息。随着付款的进行，billed principal会减少，从而导致随时间推移的利息支出降低。这一过程突显了及时付款的重要性，因为错过付款可能会导致利息成本增加并延长偿还期。总体而言，billed principal的概念是理解个人财务和贷款管理的核心。它提供了清晰的欠款情况，并作为评估财务承诺的基准。通过熟悉这个术语，个人可以更自信、更清晰地应对借贷的复杂性。总之，billed principal是每个人都应该理解的金融素养的基本方面。无论是申请抵押贷款、汽车贷款还是个人贷款，了解billed principal都有助于做出合理的财务决策。它使借款人能够掌控自己的财务，确保他们充分意识到自己的义务及其借贷选择的影响。因此，了解billed principal不仅至关重要，还应欣赏其在更广泛的财务管理和规划中的重要性。