balloon payment; balloon repayment; balloon

简明释义

飘浮式偿付款

英英释义

例句

1.If you choose a loan with a balloon repayment 大额偿还, make sure you have a plan to cover that final payment.

如果选择具有大额偿还的贷款，请确保您有计划来支付最后一笔款项。

2.Many homeowners opt for a mortgage with a balloon repayment 大额偿还 structure to keep their monthly payments lower.

许多房主选择具有大额偿还结构的抵押贷款，以便保持每月的付款较低。

3.After five years of regular payments, the loan will require a large balloon payment 大额还款 to settle the remaining balance.

经过五年的定期付款后，贷款将需要一笔大额还款来结清余额。

4.The balloon 气球 payment at the end of the loan term can be daunting for some borrowers.

贷款期限结束时的大额还款对一些借款人来说可能是令人畏惧的。

5.He was surprised by the size of the balloon payment 大额还款 due at the end of his car loan.

他对汽车贷款到期时应付的大额还款感到惊讶。

作文

In the world of finance, understanding different types of loan structures is crucial for making informed decisions. One such structure that borrowers often encounter is the concept of a balloon payment (巨额还款). A balloon payment refers to a large final payment due at the end of a loan term. This type of payment is typically associated with loans that have lower monthly payments throughout the duration of the loan, but culminate in a significant amount that must be paid off all at once. For instance, a borrower may choose a mortgage that offers lower monthly installments for several years, only to face a hefty balloon repayment (巨额偿还) at the end of the term. This can be both advantageous and risky, depending on the borrower's financial situation at the time of the final payment.The allure of a balloon payment lies in its initial affordability. Borrowers can manage their cash flow more easily with smaller payments, which can be particularly appealing to those who expect their income to increase in the future. However, the risk emerges if the borrower is unable to refinance or pay off the balloon repayment when it becomes due. If market conditions change or personal finances take a downturn, the borrower may find themselves in a difficult position, facing foreclosure or other financial consequences.When considering loans with balloon payments, it is essential for borrowers to assess their long-term financial plans. They should ask themselves whether they will be able to handle the large final payment and whether they have a strategy in place for refinancing or saving to meet this obligation. Additionally, understanding the terms of the loan agreement is vital. Some loans may offer the option to convert the balloon repayment into a longer-term loan, while others may not, which can significantly impact the borrower's options down the line.Furthermore, lenders also need to be cautious when offering loans with balloon payments. They must ensure that borrowers fully understand the implications of such a loan structure and assess their ability to make the final payment. Responsible lending practices require transparency about the risks involved and the potential for borrower default.In conclusion, while balloon payments can provide short-term relief and flexibility for borrowers, they come with significant long-term risks. A well-informed borrower will recognize the importance of planning for the balloon repayment and will weigh the pros and cons carefully before entering into such an agreement. Ultimately, understanding the concept of a balloon (气球) payment is crucial for anyone navigating the complexities of loans and mortgages. By being proactive and prepared, borrowers can avoid the pitfalls associated with this type of financing and make sound financial decisions that align with their goals.

在金融世界中，理解不同类型的贷款结构对于做出明智的决策至关重要。其中一个借款人经常遇到的结构是“balloon payment”（巨额还款）的概念。“balloon payment”指的是在贷款期末到期的大额最终付款。这种类型的付款通常与在贷款期限内每月支付较低款项的贷款相关，但最终以一次性支付的方式结束。例如，借款人可能选择一种抵押贷款，该贷款在数年内提供较低的每月分期付款，最终却面临一笔巨额的balloon repayment（巨额偿还）。这在借款人的财务状况良好时可能是有利的，但在最终还款时可能会带来风险。“balloon payment”的吸引力在于其最初的可负担性。借款人可以更容易地管理现金流，因为每月的付款较少，这对那些预计未来收入会增加的人尤其具有吸引力。然而，当借款人在到期时无法再融资或偿还balloon repayment时，风险便会出现。如果市场条件发生变化或个人财务状况下滑，借款人可能会发现自己处于困境中，面临止赎或其他财务后果。在考虑带有balloon payments的贷款时，借款人必须评估他们的长期财务计划。他们应该问自己是否能够处理大额的最终付款，以及是否有应对这一义务的再融资或储蓄策略。此外，理解贷款协议的条款至关重要。有些贷款可能提供将balloon repayment转为长期贷款的选项，而其他贷款则没有，这可能会显著影响借款人今后的选择。此外，贷方在提供带有balloon payments的贷款时也需要谨慎。他们必须确保借款人充分理解这种贷款结构的含义，并评估其偿还最终付款的能力。负责任的贷款实践要求对相关风险进行透明说明，并考虑借款人违约的可能性。总之，虽然balloon payments可以为借款人提供短期的缓解和灵活性，但它们也伴随着显著的长期风险。一个明智的借款人将认识到规划balloon repayment的重要性，并在达成此类协议之前仔细权衡利弊。最终，理解balloon（气球）付款的概念对于任何在贷款和抵押贷款复杂性中导航的人来说都是至关重要的。通过积极准备，借款人可以避免与这种融资类型相关的陷阱，并做出符合其目标的合理财务决策。