moratory interest

简明释义

延期偿付款利息

英英释义

例句

1.Due to unforeseen circumstances, the company incurred moratory interest on their overdue tax payments.

由于不可预见的情况，公司在逾期税款上产生了滞纳利息。

2.The bank decided to charge a moratory interest for the delayed payment on the loan.

银行决定对贷款的延迟还款收取滞纳利息。

3.The contract stipulated that any late payments would incur moratory interest at a rate of 5%.

合同规定任何逾期付款将按5%的利率收取滞纳利息。

4.Clients were informed about the moratory interest that would apply after the grace period.

客户被告知在宽限期后将适用滞纳利息。

5.The accountant calculated the total amount owed, including moratory interest for the late invoices.

会计计算了总欠款，包括逾期发票的滞纳利息。

作文

In the realm of finance and law, the term moratory interest refers to the interest that accrues on an overdue payment or obligation. This concept is particularly significant in situations where parties have failed to meet their contractual obligations, leading to delays in payments. Understanding moratory interest is essential for both creditors and debtors, as it can affect the overall cost of borrowing and the financial health of individuals and businesses alike.When a borrower fails to make a timely payment, the lender may impose moratory interest as a penalty for the delayed payment. This interest is typically higher than the regular interest rate, serving as a deterrent against late payments. For instance, if a company has taken out a loan with a standard interest rate of 5% but misses a payment, the lender may apply a moratory interest rate of 10% on the overdue amount. This not only incentivizes timely payments but also compensates the lender for the risk associated with the delay.The calculation of moratory interest can vary based on jurisdiction and the specifics of the contract. In some cases, it may be stipulated in the original agreement, while in others, it may be governed by statutory regulations. For example, many countries have laws that dictate the maximum allowable moratory interest rates to protect consumers from excessive penalties. Therefore, it is crucial for borrowers to understand the terms of their contracts and any applicable laws regarding moratory interest.Moreover, the implications of moratory interest extend beyond mere financial penalties. They can also impact credit ratings and future borrowing capabilities. A history of late payments and accrued moratory interest can lead to a lower credit score, making it more difficult for individuals or businesses to secure loans in the future. This creates a cycle where financial difficulties can compound over time, leading to further issues down the road.On the other hand, creditors must also be cautious when applying moratory interest. While it serves as a protective measure, excessive penalties can drive borrowers into deeper financial distress. This is particularly relevant for small businesses and individuals who may already be struggling. Striking a balance between enforcing payment terms and maintaining a positive relationship with borrowers is crucial for long-term success.In conclusion, understanding the concept of moratory interest is vital for anyone involved in lending or borrowing. It serves as a mechanism for enforcing payment agreements and compensating lenders for delays. However, both parties should approach this concept with caution, recognizing its potential consequences. By fostering clear communication and understanding the terms surrounding moratory interest, individuals and businesses can navigate their financial obligations more effectively, ultimately leading to healthier financial practices and relationships.

在金融和法律领域，术语moratory interest指的是逾期支付或义务所产生的利息。这个概念在当事方未能履行合同义务导致付款延迟的情况下尤为重要。理解moratory interest对于债权人和债务人来说都至关重要，因为它会影响借款的总体成本以及个人和企业的财务健康。当借款人未能按时付款时，贷方可能会对逾期付款施加moratory interest作为对延迟付款的惩罚。这种利息通常高于常规利率，作为对迟付款的威慑。例如，如果一家公司以5%的标准利率贷款，但错过了一次付款，贷方可能会对逾期金额施加10%的moratory interest利率。这不仅激励及时付款，还补偿贷方因延迟而面临的风险。moratory interest的计算可能因司法管辖区和合同的具体情况而异。在某些情况下，它可能在原始协议中规定，而在其他情况下，则可能受法定法规的管辖。例如，许多国家有法律规定最大允许的moratory interest利率，以保护消费者免受过高处罚。因此，借款人了解其合同条款以及适用的关于moratory interest的法律至关重要。此外，moratory interest的影响超出了单纯的财务惩罚。它们还可能影响信用评级和未来的借款能力。逾期付款和累积的moratory interest的历史可能导致信用评分降低，使个人或企业在未来更难获得贷款。这造成了一个循环，财务困难可能随时间加剧，导致进一步的问题。另一方面，债权人在施加moratory interest时也必须谨慎。虽然它作为一种保护措施，但过高的惩罚可能使借款人陷入更深的财务困境。这对于可能已经在挣扎的小企业和个人尤其相关。在执行付款条款和与借款人保持良好关系之间取得平衡，对于长期成功至关重要。总之，理解moratory interest的概念对于任何涉及借款或贷款的人来说都是至关重要的。它作为一种强制执行支付协议和补偿贷方因延迟而受到损失的机制。然而，双方都应谨慎对待这一概念，认识到其潜在后果。通过促进清晰的沟通并理解围绕moratory interest的条款，个人和企业可以更有效地应对财务义务，从而最终导致更健康的财务实践和关系。