monthly installment

简明释义

按月付

英英释义

例句

1.I decided to buy the new laptop and pay for it in monthly installment 月供 over six months.

我决定购买这台新笔记本电脑，并在六个月内以月供的方式付款。

2.She found it easier to manage her budget by spreading the cost of the furniture over monthly installment 月供 payments.

她发现通过将家具的费用分摊到月供付款中，更容易管理预算。

3.The car dealership offers a plan that allows you to pay in monthly installment 月供 for up to five years.

汽车经销商提供一个计划，让你可以在五年内以月供的方式付款。

4.You can choose to pay your tuition fees in monthly installment 月供 rather than a lump sum.

你可以选择以月供的方式支付学费，而不是一次性支付。

5.My friend suggested that I take out a loan with low monthly installment 月供 to finance my home renovation.

我的朋友建议我申请一笔低月供的贷款来资助我的家居装修。

作文

In today's world, many people find themselves in need of financial assistance to purchase big-ticket items such as cars, homes, or even electronics. One popular method of financing these purchases is through a payment plan that allows consumers to pay for their items over time. This method is commonly referred to as paying in monthly installments (分期付款). The concept of monthly installments has become increasingly prevalent, especially with the rise of consumer credit and loans.When someone opts to buy an expensive item using monthly installments, they essentially agree to make smaller payments over a set period instead of paying the full price upfront. This can make it easier for individuals to manage their finances and afford items that would otherwise be out of reach. For example, if someone wants to buy a new car that costs $24,000, they might choose to pay in monthly installments. If the dealership offers a financing plan with a 5-year term, the buyer could end up paying $400 per month, which makes the purchase much more manageable.However, while monthly installments can provide relief and flexibility, they also come with certain risks. First, buyers should be aware of interest rates that can significantly increase the total amount paid over time. For instance, if the same car loan has an interest rate of 6%, the total cost of the car could rise to approximately $28,800 after five years. Thus, while the monthly installments might seem affordable, the long-term cost can be substantially higher than expected.Additionally, committing to monthly installments requires discipline and careful budgeting. If a buyer suddenly faces financial difficulties—such as job loss or unexpected expenses—they may struggle to keep up with their payment schedule. Missing a payment can lead to penalties, damage to credit scores, and potentially losing the item purchased. Therefore, it is crucial for individuals to assess their financial situations before entering into any agreement involving monthly installments.Moreover, the availability of monthly installments has expanded beyond traditional loans. Many retailers now offer financing options directly at the point of sale, allowing customers to break down their purchases into manageable payments. This trend has made it easier for consumers to acquire goods without having to save up for them in advance. However, it also encourages impulsive buying behavior, as individuals might purchase items they cannot truly afford just because they can spread the cost over time.In conclusion, monthly installments (分期付款) have revolutionized the way we purchase goods and services. They offer a practical solution for many consumers who wish to avoid the burden of large upfront payments. Nevertheless, it is essential to approach monthly installments with caution. Understanding the terms of the agreement, being aware of potential interest rates, and maintaining a budget are all critical components of successfully managing payments. Ultimately, when used wisely, monthly installments can be a powerful tool for achieving financial goals and acquiring necessary items without overwhelming debt.

在当今世界，许多人发现自己需要财务援助来购买大宗商品，如汽车、房屋甚至电子产品。一种流行的融资方式是通过支付计划，使消费者能够分期付款购买商品。这种方式通常被称为以每月分期付款（分期付款）进行支付。随着消费信贷和贷款的兴起，每月分期付款的概念变得越来越普遍。当某人选择使用每月分期付款购买昂贵商品时，他们实际上同意在设定的时间内分期支付，而不是一次性支付全款。这可以使个人更容易管理财务，负担得起本来超出承受范围的商品。例如，如果某人想购买一辆价值24000美元的新车，他们可能会选择以每月分期付款的方式支付。如果经销商提供5年的融资计划，买家每月只需支付400美元，这使得购买变得更加可控。然而，虽然每月分期付款可以提供缓解和灵活性，但它们也伴随着一定的风险。首先，买家应意识到利率可能会显著增加长期支付的总额。例如，如果同样的汽车贷款利率为6%，那么这辆车的总成本在五年后可能会上升到约28800美元。因此，尽管每月分期付款可能看起来负担得起，但长期成本可能远高于预期。此外，承诺每月分期付款需要自律和仔细预算。如果买家突然面临财务困难，例如失业或意外开支，他们可能会难以按时还款。错过付款可能导致罚款、信用评分受损，以及可能失去所购买的商品。因此，个人在进入任何涉及每月分期付款的协议之前，评估自己的财务状况至关重要。此外，每月分期付款的可用性已经扩展到传统贷款之外。许多零售商现在在销售点直接提供融资选项，允许客户将购买分解为可管理的付款。这一趋势使消费者更容易获得商品，而不必提前储蓄。然而，它也鼓励冲动消费行为，因为个人可能仅仅因为能够分期付款而购买他们实际上无法真正负担得起的商品。总之，每月分期付款（分期付款）彻底改变了我们购买商品和服务的方式。它们为许多希望避免大额预付款负担的消费者提供了实用的解决方案。然而，谨慎对待每月分期付款至关重要。了解协议条款、意识到潜在的利率以及保持预算都是成功管理付款的关键组成部分。最终，当明智地使用时，每月分期付款可以成为实现财务目标和在不造成沉重债务的情况下获取必要物品的强大工具。