demand loan

简明释义

活期放款

英英释义

例句

1.She used a demand loan 随时还款贷款 to finance her new business venture.

她使用了一个demand loan 随时还款贷款来资助她的新商业项目。

2.With a demand loan 随时还款贷款, you can borrow money and repay it at any time without a fixed schedule.

通过demand loan 随时还款贷款，你可以借钱并在任何时间还款，而不需要固定的还款计划。

3.I had to pay off my demand loan 随时还款贷款 quickly to avoid high interest charges.

我必须尽快偿还我的demand loan 随时还款贷款以避免高额利息费用。

4.The bank offered me a demand loan 随时还款贷款 to cover my unexpected expenses.

银行给我提供了一笔demand loan 随时还款贷款以应对我的突发开支。

5.The flexibility of a demand loan 随时还款贷款 makes it an attractive option for many borrowers.

对于许多借款人来说，demand loan 随时还款贷款的灵活性使其成为一个有吸引力的选择。

作文

A demand loan is a type of loan that can be called for repayment by the lender at any time. This means that the borrower must be prepared to pay back the loan whenever the lender requests it, making it a flexible but potentially risky financial arrangement. Understanding how a demand loan works is crucial for both borrowers and lenders, especially in today's ever-changing economic landscape.One of the primary features of a demand loan is its lack of a fixed repayment schedule. Unlike traditional loans that have set monthly payments over a specified period, a demand loan allows the lender to demand full repayment at any moment. This can be advantageous for lenders who want to maintain control over their capital, but it can pose significant challenges for borrowers who may not be financially prepared for such an event.For instance, consider a small business owner who takes out a demand loan to cover operational costs. While this type of loan provides immediate access to funds, the business owner must ensure they have sufficient liquidity to repay the loan on short notice. If the lender decides to call the loan during a slow sales period, the business could face financial distress. Therefore, understanding the implications of a demand loan is essential for borrowers, particularly in terms of cash flow management and financial planning.On the other hand, lenders might favor demand loans because they offer flexibility in managing their investments. They can quickly reclaim their funds if they believe the borrower is not performing well or if market conditions change. However, this unpredictability can also deter potential borrowers who prefer the stability of fixed-rate loans with predictable payment schedules.In addition, the interest rates associated with demand loans can vary significantly. Lenders often charge higher interest rates for these loans compared to traditional loans, reflecting the increased risk they take on by allowing borrowers to access funds without a guaranteed repayment timeline. Borrowers should carefully assess whether the benefits of a demand loan outweigh the potential costs, especially in terms of interest payments.Moreover, it is important for both parties to clearly outline the terms of the demand loan in a written agreement. This agreement should specify the conditions under which the lender can demand repayment, as well as any penalties for late payment. By establishing clear expectations, both borrowers and lenders can mitigate misunderstandings and conflicts that may arise during the loan term.In conclusion, a demand loan offers both advantages and disadvantages for borrowers and lenders alike. While it provides immediate access to funds and flexibility, it also carries risks that must be carefully considered. Borrowers should be proactive in managing their finances and ensuring they are prepared for the possibility of sudden repayment demands. Lenders, on the other hand, should weigh the benefits of flexibility against the potential for borrower default. Ultimately, understanding the intricacies of a demand loan is essential for anyone involved in lending or borrowing, as it can significantly impact financial stability and success.

需求贷款（demand loan）是一种贷款类型，贷方可以随时要求偿还。这意味着借款人必须准备好在贷方要求时偿还贷款，这使得这种贷款安排灵活但潜在风险较大。了解需求贷款（demand loan）的运作方式对借款人和贷方至关重要，尤其是在当今不断变化的经济环境中。需求贷款（demand loan）的主要特点之一是没有固定的还款计划。与按月还款的传统贷款不同，需求贷款（demand loan）允许贷方在任何时候要求全额还款。这对希望控制其资本的贷方来说可能是有利的，但对可能未做好财务准备的借款人来说，可能会带来重大挑战。例如，考虑一个小企业主为了支付运营成本而申请了需求贷款（demand loan）。虽然这种贷款提供了立即获得资金的机会，但企业主必须确保他们有足够的流动资金以便随时偿还贷款。如果贷方在销售缓慢期间决定要求偿还贷款，该企业可能会面临财务困境。因此，了解需求贷款（demand loan）的影响对于借款人来说至关重要，特别是在现金流管理和财务规划方面。另一方面，贷方可能更喜欢需求贷款（demand loan），因为它们在管理投资时提供了灵活性。如果贷方认为借款人表现不佳或市场条件发生变化，他们可以迅速收回资金。然而，这种不可预测性也可能阻碍潜在借款人的兴趣，因为他们更喜欢固定利率贷款所提供的稳定性。此外，与需求贷款（demand loan）相关的利率可能会有显著差异。贷方通常会对这些贷款收取比传统贷款更高的利率，以反映他们因允许借款人无需保证还款时间表而承担的增加风险。借款人应仔细评估需求贷款（demand loan）的好处是否超过潜在成本，特别是在利息支付方面。此外，双方应在书面协议中明确列出需求贷款（demand loan）的条款。该协议应规定贷方可以要求偿还的条件，以及逾期付款的任何罚款。通过建立明确的期望，借款人和贷方可以减轻在贷款期间可能出现的误解和冲突。总之，需求贷款（demand loan）为借款人和贷方提供了优势和劣势。虽然它提供了立即获得资金的机会和灵活性，但也带来了必须仔细考虑的风险。借款人应积极管理财务，确保他们为突然的还款要求做好准备。另一方面，贷方应权衡灵活性的好处与借款人违约的潜在风险。最终，理解需求贷款（demand loan）的复杂性对于参与借贷的任何人来说都是至关重要的，因为它可能对财务稳定性和成功产生重大影响。