amortized

简明释义

英[əˈmɔr.tɪzaɪzd]美[əˈmɔr.tɪzaɪzd]

adj. 分期偿还；已摊销的；已分期偿还的

n. 摊销额

vt. 摊销（amortize的过去分词）；分期偿还；把…转让

英英释义

单词用法

同义词

反义词

例句

1.What is meant by "Constant Amortized time" when talking about time complexity of an algorithm?

讨论算法的时间复杂度时，“恒定分摊时间”是个什么鬼？

2.Generally accepted accounting principles require that recorded goodwill be amortized to expense over a period that does not exceed 4 years.

通用会计准则规定，已入账的商誉在最长不超过4年的期限内摊销到费用账户。

3.There is controversy whether self-initiated goodwill as a kind of special intangible asset of an enterprise should be recognized or amortized.

按照现有商誉会计理论，自创商誉作为企业一种特殊的无形资产，是否应该确认或摊销，还存在诸多争议。

4.The goodwill generated due to merger may be amortized within 5 years;

四因合并产生之商誉得于五年内摊销之。

5.The primary asset must be the principal long-lived tangible asset being depreciated (or intangible asset being amortized).

主要的资产一定是主要的长命实体的资产被贬值。

6.This high initial capitalization is rapidly amortized in the well managed high-density orchard.

在管理好的高密植果园里，这个最初的高额成本可以很快收回。

7.In accounting, expenses can be amortized over the useful life of the asset.

在会计中，费用可以在资产的使用寿命内摊销。

8.The company decided to use an amortized approach for its capital expenditures.

公司决定对其资本支出采用摊销的方法。

9.The loan is amortized over a period of 15 years, which means the payments are spread out evenly.

这笔贷款在15年内被摊销，这意味着还款是均匀分配的。

10.Each month, a portion of the payment goes towards the amortized interest and principal.

每个月，部分付款用于摊销的利息和本金。

11.An amortized mortgage allows homeowners to gradually pay off their debt.

一个摊销的抵押贷款使得房主能够逐步偿还他们的债务。

作文

In the world of finance and accounting, the term amortized refers to the process of gradually paying off a debt over time through regular payments. This concept is particularly important when it comes to loans, such as mortgages or car loans, where the borrower agrees to pay back the principal amount along with interest in scheduled installments. Understanding how amortized payments work can help individuals make informed financial decisions and manage their debts more effectively.When a loan is amortized, the payments are structured in such a way that each installment consists of both principal and interest. In the early stages of the loan, a larger portion of the payment goes towards interest, while as time progresses, more of the payment is applied to the principal. This means that at the beginning of the loan term, borrowers may feel like they are not reducing their debt significantly, but as they continue making payments, they will see a more substantial decrease in the outstanding balance.For example, consider a 30-year mortgage on a home. The lender provides a set amount of money for the purchase of the house, and the borrower agrees to repay this amount over 30 years with interest. Each month, the borrower makes a payment that is calculated based on the total amount borrowed, the interest rate, and the length of the loan. As the loan is amortized, the borrower builds equity in the home, which is the difference between the home's market value and the remaining mortgage balance.The amortized structure of the loan not only helps borrowers understand their payment obligations but also allows lenders to assess the risk associated with lending money. By analyzing the amortized schedule, lenders can forecast when they will receive their principal back and how much interest they will earn over the life of the loan. This information is crucial for both parties involved in the transaction.It's also worth noting that while amortized loans are common, not all loans are structured this way. For instance, interest-only loans allow borrowers to pay only the interest for a specified period, after which they must start paying down the principal. This can lead to a large balloon payment at the end of the loan term if the borrower has not been saving up to cover the principal.Furthermore, understanding amortized loans can also aid in planning for future financial goals. For instance, if someone knows that they have an amortized loan with a specific end date, they can plan for other financial commitments, such as saving for retirement or funding their children's education. Being aware of how much of their income is allocated to debt repayment can help individuals create a balanced budget and prioritize their spending.In conclusion, the concept of amortized payments is integral to personal finance and lending. It provides a clear framework for borrowers to understand their repayment obligations and helps lenders manage risk. By grasping the mechanics of amortized loans, individuals can make better financial decisions, ultimately leading to improved financial health and stability. Whether one is taking out a mortgage, financing a vehicle, or managing any form of debt, being knowledgeable about amortized loans can pave the way for smarter financial management and long-term success.

在金融和会计的世界中，术语amortized指的是通过定期付款逐渐偿还债务的过程。这个概念在贷款方面尤为重要，例如抵押贷款或汽车贷款，借款人同意按照预定的分期付款偿还本金及利息。理解amortized付款的运作方式可以帮助个人做出明智的财务决策，更有效地管理他们的债务。当贷款被amortized时，付款的结构是这样的：每期分期付款由本金和利息组成。在贷款的早期阶段，较大一部分付款用于利息，而随着时间的推移，更多的付款将应用于本金。这意味着在贷款期限的初期，借款人可能会感觉到他们并没有显著减少债务，但随着他们继续进行付款，他们会看到未偿还余额的显著减少。例如，考虑一笔30年的房屋抵押贷款。贷款方提供了一定金额的钱用于购买房屋，借款人同意在30年内连同利息偿还这一金额。每个月，借款人支付的金额是根据借款的总金额、利率和贷款期限计算的。随着贷款的amortized，借款人在房屋中建立了权益，即房屋市场价值与剩余抵押贷款余额之间的差额。贷款的amortized结构不仅帮助借款人理解其支付义务，还允许贷款人评估与借款相关的风险。通过分析amortized计划，贷款人可以预测何时会收回本金以及在贷款期限内将赚取多少利息。这些信息对于交易双方都是至关重要的。值得注意的是，虽然amortized贷款很常见，但并不是所有贷款都是这样结构的。例如，仅付利息的贷款允许借款人在特定时期内仅支付利息，之后才必须开始偿还本金。如果借款人没有储蓄来偿还本金，这可能导致在贷款期限结束时出现大额的到期付款。此外，了解amortized贷款也有助于规划未来的财务目标。例如，如果某人知道他们有一笔amortized贷款，且有特定的结束日期，他们可以计划其他财务承诺，如为退休储蓄或资助孩子的教育。意识到他们的收入中有多少分配用于债务偿还，可以帮助个人制定平衡的预算并优先考虑支出。总之，amortized付款的概念对个人财务和借贷至关重要。它为借款人提供了清晰的框架，以理解他们的偿还义务，并帮助贷款人管理风险。通过掌握amortized贷款的机制，个人可以做出更好的财务决策，最终改善财务健康和稳定性。无论是申请抵押贷款、融资车辆，还是管理任何形式的债务，了解amortized贷款都能为更聪明的财务管理和长期成功铺平道路。