amortization table; amortization schedule

简明释义

摊提表

英英释义

例句

1.Using an amortization table 摊销表 can help you see how much interest you'll pay over the life of the loan.

使用摊销表 amortization table 可以帮助你了解在贷款期间你将支付多少利息。

2.I was surprised to find out how quickly my principal was decreasing in the amortization schedule 摊销计划.

我很惊讶地发现我的本金在摊销计划 amortization schedule 中减少得如此之快。

3.When refinancing, always ask for an updated amortization table 摊销表 to compare your options.

在再融资时，务必索要一份更新的摊销表 amortization table 以比较你的选择。

4.The bank provided me with an amortization schedule 摊销计划 that detailed my monthly payments.

银行给我提供了一份详细的摊销计划 amortization schedule，说明了我的每月还款。

5.Before applying for a loan, I requested an amortization table 摊销表 to understand my payment schedule.

在申请贷款之前，我要求了一份摊销表 amortization table 来了解我的还款计划。

作文

Understanding financial concepts is essential for managing personal and business finances effectively. One such concept that plays a crucial role in loans and mortgages is the amortization table, also known as the amortization schedule. These tools help borrowers understand how their loan payments are structured over time, providing clarity on the amount of principal and interest paid with each installment. When a borrower takes out a loan, they typically agree to repay it over a specified period through regular payments. The amortization table outlines these payments in detail, showing how much of each payment goes toward reducing the principal balance and how much goes toward interest. This breakdown is vital for borrowers to see how their debt decreases over time and to understand the cost of borrowing. An amortization schedule is often presented in a tabular format, listing each payment date, the total payment amount, the portion that goes toward interest, the portion that reduces the principal, and the remaining balance after each payment. For instance, in the first few months of a typical mortgage, a larger percentage of the payment will go toward interest due to the higher outstanding balance. As the loan matures, however, more of each payment will be applied to the principal. This shift is a fundamental characteristic of amortized loans. Using an amortization table or amortization schedule can help borrowers make informed decisions regarding their financing options. For example, if someone is considering refinancing their mortgage, they can use an amortization schedule to compare their current loan terms with potential new terms. This comparison can reveal how much interest they could save over the life of the loan, and whether it's worth the costs associated with refinancing. Moreover, understanding the amortization table can aid in budgeting. By knowing how much of their monthly payment goes toward interest versus principal, borrowers can plan their finances more effectively. They might also consider making additional payments toward the principal to pay off their loan faster, which would reduce the total interest paid over the life of the loan. In summary, an amortization table or amortization schedule is an indispensable tool for anyone involved in borrowing or lending money. It provides transparency and helps individuals manage their debts responsibly. By breaking down each payment into its components, borrowers can gain a better understanding of their financial obligations and make strategic decisions to improve their financial health. Knowledge of these concepts empowers borrowers to navigate the complexities of loans and mortgages with confidence, ultimately leading to better financial outcomes. In conclusion, the importance of amortization tables and amortization schedules cannot be overstated. They serve as a roadmap for borrowers, guiding them through the repayment process and helping them achieve their financial goals efficiently. Whether one is taking out a mortgage, a car loan, or any other type of installment loan, familiarity with these financial tools is key to successful financial management.

理解金融概念对于有效管理个人和商业财务至关重要。其中一个在贷款和抵押贷款中起着关键作用的概念是摊销表，也称为摊销计划。这些工具帮助借款人理解他们的贷款还款结构，提供关于每期付款中本金和利息的清晰信息。当借款人申请贷款时，他们通常同意在规定的期限内通过定期付款进行偿还。摊销表详细列出了这些付款，显示每笔付款中有多少用于减少本金余额，有多少用于支付利息。这种细分对借款人至关重要，因为它可以让他们看到债务随时间减少的情况，并理解借款的成本。摊销计划通常以表格形式呈现，列出每个付款日期、总付款金额、用于利息的部分、用于减少本金的部分，以及每次付款后的剩余余额。例如，在典型抵押贷款的头几个月，较大比例的付款将用于利息，因为未偿还余额较高。然而，随着贷款的到期，越来越多的付款将应用于本金。这一变化是摊销贷款的基本特征。使用摊销表或摊销计划可以帮助借款人做出明智的融资决策。例如，如果有人考虑再融资他们的抵押贷款，他们可以使用摊销计划将当前的贷款条款与潜在的新条款进行比较。这种比较可以揭示他们在贷款生命周期内能够节省的利息金额，以及是否值得承担再融资相关的费用。此外，理解摊销表可以帮助预算。通过了解每月付款中有多少用于利息而不是本金，借款人可以更有效地规划他们的财务。他们还可以考虑向本金支付额外的款项，以更快地偿还贷款，这将减少贷款生命周期内支付的总利息。总之，摊销表或摊销计划是任何参与借贷资金的人不可或缺的工具。它提供了透明度，帮助个人负责任地管理债务。通过将每笔付款分解为其组成部分，借款人可以更好地理解他们的财务义务，并做出战略决策以改善他们的财务状况。对这些概念的了解使借款人能够自信地驾驭贷款和抵押贷款的复杂性，最终实现更好的财务结果。最后，摊销表和摊销计划的重要性不容忽视。它们为借款人提供了一条路线图，引导他们完成偿还过程，帮助他们高效地实现财务目标。无论是申请抵押贷款、汽车贷款还是任何其他类型的分期贷款，熟悉这些金融工具是成功财务管理的关键。