debt capacity; ability to borrow

简明释义

借债能力

英英释义

例句

1.Before applying for a mortgage, it's essential to assess your debt capacity; ability to borrow.

在申请抵押贷款之前，评估你的债务能力；借款能力是至关重要的。

2.Your debt capacity; ability to borrow may be limited by existing loans.

现有贷款可能会限制你的债务能力；借款能力。

3.Understanding your debt capacity; ability to borrow can help you make better financial decisions.

了解你的债务能力；借款能力可以帮助你做出更好的财务决策。

4.A high income usually indicates a greater debt capacity; ability to borrow.

高收入通常意味着更大的债务能力；借款能力。

5.The bank will evaluate your debt capacity; ability to borrow based on your credit score.

银行将根据你的信用评分评估你的债务能力；借款能力。

作文

Understanding the concept of debt capacity; ability to borrow is crucial for both individuals and businesses alike. Debt capacity refers to the maximum amount of money that an entity can borrow without jeopardizing its financial stability. This concept is essential in financial planning and investment decisions, as it helps determine how much debt a person or organization can safely take on while still maintaining a healthy balance sheet. For individuals, debt capacity; ability to borrow is influenced by various factors including income, credit score, existing debts, and overall financial health. A higher income generally allows for a greater debt capacity, as lenders are more willing to extend credit to those who demonstrate an ability to repay. Additionally, a strong credit score indicates a history of responsible borrowing and repayment, further enhancing one’s ability to secure loans. On the other hand, businesses also need to assess their debt capacity; ability to borrow to fund operations, expand, or invest in new projects. Companies often utilize financial ratios, such as the debt-to-equity ratio, to evaluate their leverage and risk levels. A company with a high debt-to-equity ratio may be seen as risky by investors and lenders, potentially limiting its ability to borrow additional funds. Conversely, a company with a lower ratio may find it easier to obtain financing, as it appears more stable and less reliant on debt. Moreover, understanding debt capacity; ability to borrow is not only about knowing how much can be borrowed but also involves recognizing the implications of taking on debt. For instance, while borrowing can provide immediate capital for growth or emergencies, it also comes with obligations such as interest payments and principal repayments. If an individual or business overextends themselves, they may face financial difficulties, which can lead to bankruptcy or insolvency. Therefore, assessing one’s debt capacity; ability to borrow is essential in making informed financial decisions. In conclusion, the concept of debt capacity; ability to borrow plays a vital role in both personal and corporate finance. It requires careful consideration of various factors, including income, creditworthiness, and existing liabilities. By understanding their own debt capacity, individuals and businesses can make prudent borrowing decisions that support their financial goals while minimizing risks. Ultimately, a well-managed approach to debt can lead to opportunities for growth and success, while neglecting this critical aspect of finance can result in significant challenges down the road.

理解债务能力；借款能力的概念对于个人和企业来说都是至关重要的。债务能力是指一个实体在不危及其财务稳定的情况下，能够借贷的最大金额。这个概念在财务规划和投资决策中至关重要，因为它有助于确定一个人或组织可以安全承担多少债务，同时保持健康的资产负债表。对于个人而言，债务能力；借款能力受多种因素的影响，包括收入、信用评分、现有债务和整体财务健康状况。较高的收入通常允许更大的债务能力，因为贷款人更愿意向那些表现出偿还能力的人提供信用。此外，强大的信用评分表明有负责任的借贷和还款历史，进一步增强了获得贷款的能力。另一方面，企业也需要评估其债务能力；借款能力以资助运营、扩展或投资新项目。公司通常利用财务比率，如债务与股本比率，来评估其杠杆和风险水平。债务与股本比率高的公司可能被投资者和贷款人视为风险较高，这可能限制其借入额外资金的能力。相反，债务与股本比率较低的公司可能会更容易获得融资，因为它看起来更稳定且不太依赖债务。此外，理解债务能力；借款能力不仅仅是知道可以借多少钱，还涉及认识到承担债务的影响。例如，虽然借贷可以为增长或紧急情况提供即时资本，但它也带来了如利息支付和本金偿还等义务。如果个人或企业过度扩张，他们可能面临财务困难，最终导致破产或无力偿债。因此，评估自身的债务能力；借款能力对做出明智的财务决策至关重要。总之，债务能力；借款能力的概念在个人和企业财务中发挥着至关重要的作用。它需要仔细考虑各种因素，包括收入、信用状况和现有负债。通过了解自己的债务能力，个人和企业可以做出明智的借贷决策，支持其财务目标，同时将风险降到最低。最终，良好管理的债务方式可以带来增长和成功的机会，而忽视这一财务关键方面则可能导致未来重大的挑战。