balloon payment; bullet payment

简明释义

期末整付

英英释义

例句

1.Many borrowers choose loans with bullet payments 到期一次性还款 because they expect to have sufficient funds at the end of the term.

许多借款人选择带有bullet payments 到期一次性还款的贷款，因为他们预期在期限结束时会有足够的资金。

2.Investors often use bullet payments 到期一次性还款 as a strategy to manage cash flow effectively.

投资者通常将bullet payments 到期一次性还款作为有效管理现金流的策略。

3.After five years of regular payments, the loan requires a large balloon payment 大额一次性付款 to settle the remaining balance.

经过五年的定期付款后，贷款需要一笔大额balloon payment 大额一次性付款来清偿剩余余额。

4.The car loan had a final balloon payment 大额一次性付款 that made it difficult for some buyers to afford.

这笔汽车贷款的最后一笔balloon payment 大额一次性付款让一些买家难以承受。

5.The mortgage agreement included a balloon payment 大额一次性付款 that surprised the homeowners when it was due.

抵押贷款协议中包含了一笔让房主感到意外的balloon payment 大额一次性付款。

作文

In the world of finance, understanding different types of payment structures is crucial for both borrowers and lenders. One such payment structure is known as a balloon payment, which refers to a large final payment due at the end of a loan term after a series of smaller payments. This type of payment can be particularly advantageous for borrowers who might not have the means to pay a larger sum at the beginning of the loan period. Instead, they can enjoy lower monthly payments initially, allowing them to manage their cash flow more effectively. However, this also means that they must prepare for the larger amount due at the end, which can sometimes lead to financial strain if not properly planned for. In essence, a balloon payment (气球支付) can be a double-edged sword, providing flexibility while also posing risks if the borrower fails to secure the necessary funds for the final payment.Another related concept is the bullet payment, which is often used interchangeably with balloon payment, but there are subtle differences. A bullet payment (子弹支付) is characterized by a single, large payment made at maturity, with no intermediate payments during the life of the loan. This type of payment structure is commonly found in certain types of bonds or loans where the entire principal amount is repaid at once. Borrowers might prefer a bullet payment structure because it allows them to retain cash in the short term, making it easier to invest or use funds for other purposes. However, similar to a balloon payment, the borrower must ensure they will have adequate funds available at the time of maturity to meet this obligation.The choice between a balloon payment and a bullet payment often depends on an individual's or business's financial strategy and cash flow management. For instance, businesses expecting a significant influx of cash in the future may opt for a bullet payment structure, anticipating that they will have the resources to cover the full amount when it comes due. On the other hand, individuals who prefer lower monthly obligations might lean towards a balloon payment option, as long as they are confident in their ability to save or acquire the necessary funds for the larger payment later on.Both payment structures require careful consideration and planning. Borrowers should assess their financial situation, future income prospects, and overall risk tolerance before deciding on the best approach. It is also advisable to consult with financial advisors to fully understand the implications of each payment type. Ultimately, whether one chooses a balloon payment or a bullet payment, the key is to ensure that the chosen method aligns with their financial goals and capabilities. By doing so, borrowers can navigate the complexities of loans and payments more effectively, leading to better financial outcomes in the long run.

在金融领域，理解不同类型的支付结构对借款人和贷款人都至关重要。其中一种支付结构被称为气球支付，指的是在贷款期结束时到期的大额最终支付，在此之前是一些较小的支付。这种支付方式对于那些可能无法在贷款期初支付大额款项的借款人尤其有利。相反，他们可以享受较低的月供，从而更有效地管理现金流。然而，这也意味着他们必须为最后到期的大额款项做好准备，如果没有适当的计划，这可能会导致财务压力。总的来说，气球支付（balloon payment）可以说是一把双刃剑，提供灵活性，同时也带来风险，如果借款人未能确保所需资金以支付最终款项。另一个相关概念是子弹支付，它通常与气球支付互换使用，但两者之间存在细微差别。子弹支付（bullet payment）的特点是在到期时进行一次性的大额支付，在贷款的整个生命周期内没有中间支付。这种支付结构通常出现在某些类型的债券或贷款中，其中整个本金在到期时一次性偿还。借款人可能更喜欢子弹支付结构，因为这使他们能够在短期内保留现金，更容易投资或将资金用于其他用途。然而，类似于气球支付，借款人必须确保在到期时有足够的资金可用以满足这一义务。选择气球支付还是子弹支付通常取决于个人或企业的财务策略和现金流管理。例如，预计未来会有大量现金流入的企业可能会选择子弹支付结构，预期他们将在到期时有资源来支付全额。另一方面，喜欢较低月供的个人可能会倾向于选择气球支付选项，只要他们对自己能够为稍后支付较大款项而节省或获得必要资金充满信心。这两种支付结构都需要仔细考虑和规划。借款人应该评估自己的财务状况、未来收入前景和整体风险承受能力，然后再决定最佳方法。咨询金融顾问以充分理解每种支付方式的影响也是明智之举。最终，无论选择气球支付还是子弹支付，关键是确保所选择的方法与他们的财务目标和能力相一致。通过这样做，借款人可以更有效地应对贷款和支付的复杂性，从而在长期内实现更好的财务结果。