amortization schedule

简明释义

摊销表

英英释义

例句

1.You can generate an amortization schedule 摊销计划 using online calculators to visualize your payment plan.

您可以使用在线计算器生成一个amortization schedule 摊销计划来可视化您的还款计划。

2.The first few years of your amortization schedule 摊销计划 will show more interest payments than principal reduction.

您的amortization schedule 摊销计划的头几年将显示更多的利息支付而不是本金减少。

3.When applying for a mortgage, your lender will provide you with an amortization schedule 摊销计划 to show how much of each payment goes toward interest and principal.

在申请抵押贷款时，您的贷款机构会提供给您一个amortization schedule 摊销计划，以展示每笔还款中有多少用于利息和本金。

4.Understanding the amortization schedule 摊销计划 can help you see how long it will take to pay off your loan.

理解amortization schedule 摊销计划可以帮助您了解还清贷款需要多长时间。

5.An amortization schedule 摊销计划 is essential for budgeting your monthly expenses.

一个amortization schedule 摊销计划对于预算月度开支是必不可少的。

作文

Understanding financial concepts is crucial for making informed decisions, especially when it comes to loans and mortgages. One key term that often comes up in these discussions is amortization schedule. An amortization schedule is a detailed table that outlines each payment of a loan over time, specifying how much of each payment goes toward the principal and how much goes toward interest. This schedule is essential for borrowers as it provides clarity on how their debt decreases over time.When taking out a loan, such as a mortgage, borrowers typically agree to repay the loan amount with interest over a set period. The amortization schedule breaks down the repayment process into manageable parts, allowing borrowers to see exactly how much they owe at any given time. For instance, in the early years of a loan, a larger portion of each payment is applied to interest rather than the principal. As time progresses, this dynamic shifts, and more of the payment is directed toward reducing the principal balance.For anyone considering a loan, understanding the amortization schedule can help in planning finances effectively. It allows borrowers to anticipate how long it will take to pay off the loan and how much interest they will pay over its lifetime. This information can be particularly valuable when comparing different loan offers or deciding whether to refinance an existing loan.Moreover, the amortization schedule can also highlight the impact of making additional payments. If a borrower decides to pay extra toward the principal, the amortization schedule can show how this affects the overall loan term and interest paid. This flexibility can lead to significant savings over time, making it a powerful tool for financial planning.In conclusion, the amortization schedule is more than just a financial document; it is a vital resource for anyone dealing with loans. By breaking down payments into clear components, it helps borrowers understand their obligations and plan for the future. Familiarity with the amortization schedule can empower individuals to make smarter financial choices, ultimately leading to better management of their debts and financial health.

理解金融概念对于做出明智的决策至关重要，特别是在贷款和抵押贷款方面。一个常常出现的关键术语是摊销计划。摊销计划是一个详细的表格，列出了贷款在一段时间内的每笔还款，具体说明每笔还款中有多少用于本金，有多少用于利息。这个计划对借款人至关重要，因为它清晰地展示了他们的债务如何随着时间的推移而减少。当借款人申请贷款，比如抵押贷款时，通常同意在规定的期限内偿还贷款金额及其利息。摊销计划将还款过程分解为可管理的部分，使借款人能够随时了解自己所欠的金额。例如，在贷款的早期阶段，每笔还款中有较大一部分用于支付利息，而不是本金。随着时间的推移，这种动态会发生变化，更多的还款将用于减少本金余额。对于任何考虑贷款的人来说，理解摊销计划可以有效帮助财务规划。它使借款人能够预计还清贷款需要多长时间，以及在整个贷款期间将支付多少利息。这些信息在比较不同的贷款报价或决定是否再融资现有贷款时尤为重要。此外，摊销计划还可以突出额外还款的影响。如果借款人决定向本金支付额外款项，摊销计划可以显示这如何影响整体贷款期限和支付的利息。这种灵活性可以在长期内带来显著的节省，使其成为财务规划中的强大工具。总之，摊销计划不仅仅是一个金融文件；它是任何处理贷款的人必不可少的资源。通过将还款分解为明确的组成部分，它帮助借款人理解自己的义务并为未来进行规划。熟悉摊销计划可以使个人更好地做出财务选择，最终导致更好的债务管理和财务健康。