finance charge

简明释义

信贷费用

英英释义

例句

1.Your monthly statement will show the finance charge 财务费用 applied during the billing cycle.

你的月结单将显示在账单周期内应用的finance charge 财务费用。

2.Late payments can increase your finance charge 财务费用 significantly.

延迟付款可能会显著增加你的finance charge 财务费用。

3.If you carry a balance on your credit card, you will incur a finance charge 财务费用 each month.

如果你在信用卡上有余额，每个月都会产生一个finance charge 财务费用。

4.Always check the finance charge 财务费用 before agreeing to any credit terms.

在同意任何信用条款之前，务必检查finance charge 财务费用。

5.The finance charge 财务费用 for this loan is calculated based on the outstanding balance.

这笔贷款的finance charge 财务费用是根据未偿余额计算的。

作文

In today's world, managing finances effectively is crucial for both individuals and businesses. One important concept that often arises in financial discussions is the finance charge. A finance charge refers to the cost of borrowing money, which is typically calculated as a percentage of the outstanding balance on a loan or credit account. This charge can include interest rates, fees, and other costs associated with borrowing. Understanding finance charges is essential for making informed financial decisions.When someone takes out a loan or uses a credit card, they are essentially borrowing money with the expectation that they will pay it back over time. Lenders charge finance charges to compensate for the risk they take by lending money. For example, if you have a credit card with an outstanding balance of $1,000 and an annual percentage rate (APR) of 18%, your finance charge for one year would be approximately $180. This means that if you only make the minimum payment each month, you will end up paying significantly more than the original amount borrowed due to these charges.It is important to note that finance charges can vary widely depending on the lender and the type of credit product. Some lenders may offer promotional rates with lower finance charges for a limited time, while others may have higher rates that apply immediately. Additionally, factors such as credit scores, payment history, and overall financial health can influence the finance charge you might incur.To avoid excessive finance charges, consumers should consider several strategies. First, it is advisable to pay off credit card balances in full each month to avoid accruing interest. If paying in full is not possible, try to pay more than the minimum payment to reduce the outstanding balance faster. Another strategy is to shop around for loans with the lowest finance charges, as different lenders may offer varying terms and rates.Moreover, understanding the terms and conditions associated with any loan or credit product is vital. Many financial institutions provide detailed disclosures that outline the finance charges associated with their products. By reading these documents carefully, borrowers can gain insight into how much they will actually pay over time and make comparisons between different options.In conclusion, the concept of finance charge plays a significant role in personal and business finance. It represents the cost of borrowing money and can have a substantial impact on overall financial health. By understanding how finance charges work and taking proactive steps to minimize them, individuals and businesses can improve their financial situations and make better borrowing decisions. Ultimately, being informed about finance charges empowers consumers to manage their finances more effectively and avoid falling into debt traps that can arise from high borrowing costs.

在当今世界，有效管理财务对个人和企业都至关重要。一个在财务讨论中经常出现的重要概念是财务费用。财务费用是指借款的成本，通常按贷款或信用账户未偿余额的一定百分比计算。这个费用可以包括利率、费用和与借款相关的其他成本。理解财务费用对于做出明智的财务决策至关重要。当某人申请贷款或使用信用卡时，他们实际上是在借钱，并期望随着时间的推移偿还这笔钱。贷方收取财务费用以补偿他们借钱所承担的风险。例如，如果你有一张未偿余额为1000美元的信用卡，年利率（APR）为18%，那么你一年内的财务费用大约为180美元。这意味着如果你每月只支付最低还款额，你最终将支付的金额远远超过最初借入的金额，因为这些费用。需要注意的是，财务费用因贷方和信用产品类型而异。一些贷方可能会提供促销利率，在有限的时间内收取较低的财务费用，而其他贷方可能立即适用更高的利率。此外，信用评分、还款历史和整体财务健康状况等因素也会影响你可能产生的财务费用。为了避免过高的财务费用，消费者应考虑几种策略。首先，建议每月全额偿还信用卡余额，以避免产生利息。如果无法全额偿还，尽量支付超过最低还款额，以更快地减少未偿余额。另一种策略是寻找具有最低财务费用的贷款，因为不同的贷方可能提供不同的条款和利率。此外，了解任何贷款或信用产品相关的条款和条件至关重要。许多金融机构提供详细的披露文件，列出了其产品的财务费用。通过仔细阅读这些文件，借款人可以深入了解他们实际会支付多少，并在不同选项之间进行比较。总之，财务费用的概念在个人和企业财务中发挥着重要作用。它代表了借款的成本，并可能对整体财务健康产生重大影响。通过理解财务费用的运作方式并采取主动措施来最小化这些费用，个人和企业可以改善他们的财务状况，并做出更好的借款决策。最终，了解财务费用使消费者能够更有效地管理他们的财务，避免因高借款成本而陷入债务陷阱。