delinquent installment

简明释义

拖欠分期款项

英英释义

例句

1.The landlord threatened to evict me due to my delinquent installment 逾期分期付款 on the rent.

房东威胁要驱逐我，因为我在租金上的delinquent installment 逾期分期付款。

2.To avoid penalties, I need to settle my delinquent installment 逾期分期付款 by the end of the month.

为了避免罚款，我需要在本月底之前结清我的delinquent installment 逾期分期付款。

3.The bank sent a notice regarding my delinquent installment 逾期分期付款 on the car loan.

银行发出了关于我汽车贷款的delinquent installment 逾期分期付款的通知。

4.If you fail to pay your delinquent installment 逾期分期付款, it could affect your credit score.

如果你未能支付你的delinquent installment 逾期分期付款，这可能会影响你的信用评分。

5.I received a call from the collection agency about my delinquent installment 逾期分期付款 for the furniture purchase.

我接到了催收机构的电话，关于我购买家具的delinquent installment 逾期分期付款。

作文

In today's fast-paced world, financial obligations are a common part of life. Many people rely on loans and credit to manage their expenses, whether it be for purchasing a home, financing a car, or covering educational costs. However, with these financial responsibilities comes the risk of falling behind on payments. One term that often arises in this context is delinquent installment, which refers to a payment that has not been made by its due date. Understanding the implications of a delinquent installment is crucial for anyone involved in borrowing or lending money.When an individual misses a payment, it can lead to a series of consequences. First and foremost, a delinquent installment can negatively impact one's credit score. Credit scores are essential for determining an individual's ability to secure future loans or credit. A lower credit score may result from missed payments, making it more difficult to obtain financing in the future. Lenders view a history of delinquent installments as a red flag, indicating that the borrower may not be reliable in repaying debts.Additionally, late payments often incur fees and penalties. When a payment is marked as delinquent, lenders may charge late fees, which can increase the overall cost of the loan. This additional financial burden can make it even more challenging for the borrower to catch up on their payments. In some cases, if a borrower continues to miss payments, the lender may initiate collection actions, leading to further financial distress.Moreover, the emotional toll of dealing with delinquent installments cannot be overlooked. The stress and anxiety associated with financial difficulties can affect one's mental health and overall well-being. Individuals may feel overwhelmed by the prospect of falling deeper into debt, which can lead to a cycle of despair and hopelessness.To avoid the pitfalls of delinquent installments, individuals should prioritize financial literacy and responsible budgeting. Understanding one’s financial situation is the first step toward avoiding missed payments. Creating a budget that accounts for all monthly expenses, including loan payments, can help ensure that obligations are met on time. Additionally, setting up automatic payments can be a practical solution for those who struggle with remembering due dates.In cases where a borrower anticipates difficulty in making a payment, it is advisable to communicate with the lender proactively. Many lenders offer options such as deferment or restructuring of the loan terms. By addressing the issue before it escalates to a delinquent installment, borrowers can often find solutions that prevent further financial complications.In conclusion, the term delinquent installment represents more than just a missed payment; it signifies a potential downward spiral into financial instability. The consequences of falling behind on payments can affect credit scores, incur additional fees, and create emotional stress. Therefore, understanding the importance of timely payments and adopting proactive financial strategies is essential for maintaining financial health. By doing so, individuals can safeguard themselves against the repercussions of delinquent installments and work towards a more secure financial future.

在当今快节奏的世界中，财务责任是生活中的普遍部分。许多人依赖贷款和信用来管理他们的开支，无论是购买房屋、融资购买汽车还是支付教育费用。然而，伴随着这些财务责任的是落后于付款的风险。在这种情况下，常常出现一个术语——逾期分期付款，它指的是未按到期日付款的情况。理解逾期分期付款的含义对于任何参与借贷的人都至关重要。当个人错过付款时，可能会导致一系列后果。首先，逾期分期付款会对个人的信用评分产生负面影响。信用评分对于确定个人获得未来贷款或信用的能力至关重要。由于未按时付款，信用评分可能会降低，从而使得未来获得融资变得更加困难。贷方将逾期分期付款的历史视为警示，表明借款人可能在偿还债务方面不可靠。此外，逾期付款通常会产生费用和罚款。当付款被标记为逾期时，贷方可能会收取滞纳金，这会增加贷款的整体成本。这一额外的财务负担可能使得借款人更难以补上他们的付款。在某些情况下，如果借款人继续错过付款，贷方可能会采取催收措施，从而导致更大的财务困境。此外，处理逾期分期付款的情感压力也不容忽视。应对财务困难所带来的压力和焦虑可能会影响个人的心理健康和整体幸福感。个人可能会因为陷入更深的债务而感到不知所措，这可能导致绝望和无助的循环。为了避免逾期分期付款的陷阱，个人应优先考虑财务知识和负责任的预算。了解自己的财务状况是避免错过付款的第一步。制定一个涵盖所有月度开支（包括贷款付款）的预算，可以帮助确保按时履行义务。此外，设置自动付款可能是那些难以记住到期日的人的实际解决方案。如果借款人预见到无法按时付款，建议主动与贷方沟通。许多贷方提供如延期或重组贷款条款等选项。通过在问题升级为逾期分期付款之前解决问题，借款人通常可以找到避免进一步财务复杂问题的解决方案。总之，术语逾期分期付款不仅代表一次错过的付款；它象征着潜在的财务不稳定的下滑螺旋。未能按时付款的后果可能会影响信用评分、产生额外费用并造成情感压力。因此，理解及时付款的重要性并采取积极的财务策略对于维护财务健康至关重要。通过这样做，个人可以保护自己免受逾期分期付款的影响，并朝着更安全的财务未来迈进。