amortized loan

简明释义

已摊还的借款

英英释义

例句

1.With an amortized loan, the amount of interest paid decreases over time as the principal is paid down.

在分期偿还贷款中，随着本金的偿还，支付的利息金额会随着时间的推移而减少。

2.An amortized loan typically includes both principal and interest in each payment.

一个分期偿还贷款通常在每次付款中包括本金和利息。

3.Home mortgages are often structured as amortized loans to make them more affordable for buyers.

房屋抵押贷款通常被设计为分期偿还贷款，以使买家更容易负担。

4.When you take out an amortized loan, you agree to pay it back in regular installments over a specified period.

当你申请一个分期偿还贷款时，你同意在规定的时间内以定期付款的方式偿还它。

5.Many students rely on amortized loans to finance their education, which they pay back after graduation.

许多学生依赖于分期偿还贷款来资助他们的教育，并在毕业后偿还。

作文

Understanding financial concepts is crucial for making informed decisions about borrowing and investing. One such concept that often comes up in discussions about loans is the amortized loan. An amortized loan is a type of loan that is paid off over time with a fixed repayment schedule. This means that the borrower makes regular payments that cover both the principal amount and the interest, resulting in the loan being fully paid off by the end of the term. This structure makes it easier for borrowers to budget their monthly expenses since they know exactly how much they need to pay each month.The process of amortization involves breaking down the total loan amount into equal payments over the loan’s duration. For instance, consider a scenario where someone takes out a mortgage for $200,000 with a 30-year term and a fixed interest rate. The lender will calculate the monthly payment based on these parameters, ensuring that at the end of 30 years, the borrower has completely paid off the loan. Each payment consists of two parts: interest and principal. In the early years of the loan, a larger portion of the payment goes towards interest, while in the later years, more of the payment goes towards reducing the principal.One of the significant advantages of an amortized loan is predictability. Borrowers can plan their finances better because they know the exact amount they need to pay each month. This predictability can be particularly beneficial for long-term loans like mortgages, where fluctuations in interest rates could otherwise lead to varying payment amounts. Additionally, since the loan is structured to be paid off by a specific date, borrowers can feel a sense of accomplishment as they progress towards becoming debt-free.However, it is essential to understand that an amortized loan also comes with its challenges. For example, if a borrower decides to pay off their loan early, they may incur prepayment penalties, depending on the terms of the loan agreement. This can deter some individuals from taking advantage of their financial situation to reduce overall interest costs. Moreover, if a borrower encounters financial difficulties, the fixed payment structure might become burdensome, leading to potential default.In conclusion, an amortized loan is a common financial instrument that offers both benefits and drawbacks. It provides borrowers with a clear repayment plan and helps them manage their finances effectively. However, it is crucial for individuals to assess their financial situations and understand the terms of their loans thoroughly before committing. By doing so, they can make informed choices that align with their long-term financial goals. Ultimately, understanding what an amortized loan entails can empower borrowers to navigate their financial journeys with confidence and clarity.

理解金融概念对于做出明智的借贷和投资决策至关重要。在关于贷款的讨论中，常常会提到一个概念——摊销贷款。摊销贷款是一种在固定还款计划下逐渐偿还的贷款类型。这意味着借款人定期支付的款项既包括本金也包括利息，从而使贷款在期限结束时完全偿还。这种结构使得借款人更容易预算他们的每月支出，因为他们清楚每个月需要支付的确切金额。摊销的过程涉及将总贷款金额分解为在贷款期限内的均等支付。例如，考虑一个场景：某人以$200,000的金额申请了一笔30年的抵押贷款，利率固定。贷方将根据这些参数计算每月的还款额，确保在30年结束时，借款人已完全偿还贷款。每次还款由两部分组成：利息和本金。在贷款的早期阶段，较大比例的还款用于支付利息，而在后期阶段，更多的还款则用于减少本金。摊销贷款的一个显著优势是可预测性。借款人可以更好地规划他们的财务，因为他们知道每个月需要支付的确切金额。这种可预测性对于像抵押贷款这样的长期贷款尤其有益，因为利率波动可能会导致还款金额的变化。此外，由于贷款结构设计为在特定日期之前偿还，借款人在逐步还清债务的过程中可以感受到成就感。然而，必须理解的是，摊销贷款也有其挑战。例如，如果借款人决定提前还清贷款，可能会根据贷款协议的条款产生提前还款罚金。这可能会阻止一些个人利用他们的财务状况来降低整体利息成本。此外，如果借款人遇到财务困难，固定的还款结构可能会变得沉重，导致潜在的违约。总之，摊销贷款是一种常见的金融工具，提供了优缺点。它为借款人提供了明确的还款计划，并帮助他们有效管理财务。然而，个人在承诺之前评估自己的财务状况并充分理解贷款条款至关重要。通过这样做，他们可以做出与长期财务目标一致的明智选择。最终，了解摊销贷款的含义可以使借款人在自信和清晰的基础上驾驭他们的财务旅程。