outstanding balance; unpaid balance

简明释义

未付差额

英英释义

例句

1.Your credit card statement shows an outstanding balance of $500.

您的信用卡账单显示有$500的未偿还余额。

2.Please make sure to pay the unpaid balance before the due date.

请确保在到期日前支付未付余额。

3.After reviewing my account, I noticed an outstanding balance from last month.

在检查我的账户后，我发现上个月有一笔未偿还余额。

4.If you do not clear your unpaid balance, interest will accrue.

如果您不清除您的未付余额，将会产生利息。

5.The bank sent me a reminder about my outstanding balance on the loan.

银行给我发了一封提醒信，关于我的贷款未偿还余额。

作文

In today's financial world, understanding the terms related to debts and payments is crucial for anyone managing their finances. One such term that often comes up is outstanding balance, which refers to the amount of money that is still owed on a loan or credit account. This balance can accumulate due to various factors, including interest rates, unpaid installments, and additional fees. Understanding your outstanding balance is essential because it directly affects your financial health and credit score. If you fail to keep track of this balance, it can lead to increased debt and potential financial difficulties in the future. For instance, consider a scenario where an individual takes out a personal loan of $10,000 with an annual interest rate of 5%. If they make regular monthly payments but miss a few due dates, their outstanding balance will increase due to the accruing interest and possible late fees. It’s important for borrowers to monitor their unpaid balance, as it reflects how much they owe at any given time. On the other hand, the term unpaid balance specifically refers to any amount that has not yet been paid by the due date. This can include not only the principal amount borrowed but also interest and any additional charges that may apply. For example, if someone has a credit card with a limit of $5,000 and they have spent $3,000 but have only made a payment of $2,000, their unpaid balance would be $1,000. This figure is crucial for managing credit cards effectively, as maintaining a high unpaid balance can negatively impact one’s credit utilization ratio, which is a significant factor in determining credit scores. Managing both outstanding balances and unpaid balances is essential for maintaining good credit health. Individuals should regularly check their financial statements to ensure they are aware of their current balances. Many financial institutions now offer online banking services that allow customers to view their accounts in real-time, making it easier to keep track of these figures. Additionally, setting up reminders for payment due dates can help avoid the accumulation of unpaid balances that can lead to further complications. Furthermore, it is advisable to create a budget that includes all monthly expenses, including payments towards loans and credit accounts. By doing so, individuals can allocate funds appropriately to ensure that they are not only paying off their outstanding balances but also avoiding falling into the trap of carrying over unpaid balances from month to month. This proactive approach to financial management can lead to improved credit scores and overall financial stability. In conclusion, the terms outstanding balance and unpaid balance are vital components of personal finance. They represent the money owed on loans and credit accounts, and understanding them is key to effective financial management. By keeping track of these balances and implementing strategies to manage them, individuals can work towards achieving their financial goals and maintaining a healthy credit profile.

在当今的金融世界中，理解与债务和支付相关的术语对任何管理自己财务的人来说都是至关重要的。其中一个常见的术语是未偿余额，它指的是贷款或信用账户上仍然欠款的金额。这个余额可能由于各种因素而累积，包括利率、未支付的分期付款和额外费用。了解您的未偿余额至关重要，因为它直接影响您的财务健康和信用评分。如果您未能跟踪这个余额，可能会导致债务增加和未来潜在的财务困境。例如，考虑一个场景，一个人以5%的年利率借了10,000美元的个人贷款。如果他们按时进行定期月付款，但错过了一些到期日，他们的未偿余额将因利息和可能的滞纳金而增加。借款人监控自己的未支付余额非常重要，因为它反映了他们在任何给定时间所欠的金额。另一方面，术语未支付余额特指截至到期日尚未支付的任何金额。这不仅可以包括借入的本金，还可以包括利息和可能适用的任何附加费用。例如，如果某人拥有一张限额为5,000美元的信用卡，并且已经花费了3,000美元，但只支付了2,000美元，则他们的未支付余额将为1,000美元。这个数字对于有效管理信用卡至关重要，因为保持高的未支付余额可能会对个人的信用利用比率产生负面影响，而信用利用比率是决定信用评分的重要因素。管理未偿余额和未支付余额对于维护良好的信用健康至关重要。个人应该定期检查他们的财务报表，以确保他们意识到当前的余额。许多金融机构现在提供在线银行服务，使客户能够实时查看他们的账户，从而更容易跟踪这些数字。此外，设置付款到期日的提醒可以帮助避免积累未支付余额，从而导致进一步的复杂情况。此外，建议制定预算，包括所有每月支出，包括贷款和信用账户的付款。通过这样做，个人可以适当地分配资金，以确保他们不仅支付未偿余额，而且还避免每月携带未支付余额的陷阱。这种积极的财务管理方法可以改善信用评分和整体财务稳定性。总之，术语未偿余额和未支付余额是个人财务的重要组成部分。它们代表了贷款和信用账户上的欠款，理解它们是有效财务管理的关键。通过跟踪这些余额并实施管理策略，个人可以朝着实现财务目标和维护健康信用档案的方向努力。