repayable loan; loan repayable

简明释义

应偿还贷款

英英释义

例句

1.He was worried about the monthly payments for his repayable loan.

他担心自己每月的可偿还贷款还款。

2.Before signing the agreement, make sure you understand the terms of the repayable loan.

在签署协议之前，请确保您了解可偿还贷款的条款。

3.The bank offered a repayable loan to help small businesses grow.

银行提供了一笔可偿还贷款以帮助小企业发展。

4.The government provides subsidies for loans repayable by farmers at low interest rates.

政府为农民提供低利率的可偿还贷款补贴。

5.She took out a loan repayable over five years for her education.

她申请了一笔为期五年的可偿还贷款用于教育。

作文

In today's financial landscape, individuals and businesses often find themselves in need of additional funds to achieve their goals. One common solution is to take out a loan. However, it is crucial to understand the terms associated with borrowing money, particularly the concept of a repayable loan (可偿还贷款). A loan repayable (可偿还的贷款) refers to any borrowed amount that must be paid back over time, usually with interest. This essay will explore the significance of repayable loans, the various types available, and the responsibilities that come with them.A repayable loan is more than just a financial tool; it represents a commitment between the lender and the borrower. When an individual or business takes out a loan, they enter into a legal agreement that stipulates how much money is being borrowed, the interest rate applied, and the repayment schedule. The borrower is obligated to adhere to these terms, making timely payments until the debt is fully settled. Failure to do so can result in serious consequences, including damage to credit scores and potential legal action.There are several types of repayable loans available in the market, each designed to meet different needs. For instance, personal loans are typically unsecured and can be used for various purposes, such as consolidating debt or financing a large purchase. On the other hand, secured loans, like mortgages, require collateral, which means the lender can seize the asset if the borrower fails to repay. Business loans are another category, aimed at helping companies expand or manage cash flow. Understanding the type of loan repayable is essential for borrowers to choose the right option that aligns with their financial situation.One of the key responsibilities of taking on a repayable loan is budgeting. Borrowers must evaluate their financial capabilities and ensure they can meet the monthly repayments without compromising their essential expenses. Creating a detailed budget can help individuals and businesses track their income and expenditures, allowing them to allocate funds appropriately towards their loan obligations. Moreover, maintaining open communication with lenders can provide borrowers with options if they encounter difficulties in making payments.In conclusion, the concept of a repayable loan is fundamental in the realm of personal and business finance. It signifies a formal agreement that necessitates responsible financial planning and commitment from the borrower. By understanding the different types of loans repayable, the importance of budgeting, and the potential repercussions of defaulting, individuals and businesses can navigate the borrowing process more effectively. Ultimately, while repayable loans can facilitate growth and opportunities, they also demand careful consideration and management to ensure long-term financial health.

在当今的金融环境中，个人和企业常常需要额外的资金来实现他们的目标。一个常见的解决方案是申请贷款。然而，理解与借款相关的条款至关重要，特别是可偿还贷款（repayable loan）的概念。可偿还的贷款（loan repayable）指的是任何必须随着时间推移偿还的借款金额，通常带有利息。本文将探讨可偿还贷款的重要性、可用的各种类型以及伴随而来的责任。可偿还贷款不仅仅是一种金融工具；它代表了贷方和借方之间的承诺。当个人或企业申请贷款时，他们进入了一项法律协议，该协议规定了借款金额、适用的利率和还款计划。借款人有义务遵守这些条款，按时还款，直到债务完全清偿。未能这样做可能会导致严重后果，包括信用评分受损和潜在的法律诉讼。市场上有几种类型的可偿还贷款，每种贷款旨在满足不同的需求。例如，个人贷款通常是无担保的，可以用于各种目的，如债务整合或大型购买的融资。另一方面，抵押贷款等担保贷款需要抵押品，这意味着如果借款人未能偿还，贷方可以没收资产。商业贷款是另一类，旨在帮助公司扩展或管理现金流。了解可偿还的贷款类型对借款人选择符合其财务状况的正确选项至关重要。承担可偿还贷款的主要责任之一是预算。借款人必须评估自己的财务能力，并确保他们能够在不影响基本开支的情况下按月偿还贷款。制定详细的预算可以帮助个人和企业跟踪收入和支出，从而适当地分配资金以满足贷款义务。此外，与贷方保持开放的沟通可以为借款人在遇到还款困难时提供选择。总之，可偿还贷款的概念在个人和商业金融领域中是基础性的。它意味着一项正式的协议，需要借款人负责任的财务规划和承诺。通过了解不同类型的可偿还贷款、预算的重要性以及违约的潜在后果，个人和企业可以更有效地应对借款过程。最终，虽然可偿还贷款可以促进增长和机会，但它们也要求仔细考虑和管理，以确保长期的财务健康。