amortised

简明释义

英[əˈmɔː.tɪzd]美[əˈmɔr.tɪzd]

分期偿还（amortise 的过去式和过去分词）

英英释义

单词用法

同义词

反义词

例句

1.Prepaid land lease payments are amortised over the term of the lease by the straight-line method.

预付土地租赁款项根租赁期限以直线法摊销。

2.What is important is that the algorithm guarantees that after a sequence of operations the expensive operations will be amortised and thereby rendering the entire operation O(1).

重要的是，算法保证在一系列的操作之后，耗时昂贵的操作时间被分摊，从而使整改操作的时间复杂度为O（1）。

3.Traditional loans to customers would be booked at amortised cost.

传统的客户贷款应该以摊销成本计价。

4.What is important is that the algorithm guarantees that after a sequence of operations the expensive operations will be amortised and thereby rendering the entire operation O(1).

重要的是，算法保证在一系列的操作之后，耗时昂贵的操作时间被分摊，从而使整改操作的时间复杂度为O（1）。

5.Patent and other intangible assets are initially recorded at actual cost, and amortised using the straight-line method less than 10 years generally.

专利权及其他无形资产按实际支付的价款入账，一般采用直线法按小于10年平均摊销。

6.Prepaid land lease payments under an operating lease is amortised on a straight-line basis over the period of the lease term.

列作经营租赁之预付土地租赁款项按租赁年期以直线法摊销。

7.Investors prefer bonds that are amortised to receive regular payments.

投资者更喜欢摊销的债券，以便获得定期付款。

8.An amortised loan reduces the outstanding balance gradually.

一个摊销贷款逐渐减少未偿还余额。

9.The loan is to be fully amortised over a period of 15 years.

这笔贷款将在15年内完全摊销。

10.The company has amortised its intangible assets over a five-year period.

该公司在五年内对其无形资产进行了摊销。

11.Each monthly payment will include both interest and amortised principal.

每月的还款将包括利息和摊销的本金。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about loans and investments is amortised, which refers to the process of gradually paying off a debt over time through regular payments. This concept is particularly relevant when discussing mortgages, car loans, and other types of installment loans. When a loan is amortised, the borrower agrees to pay back the principal amount plus interest in fixed installments over a specified period. This method not only helps in managing finances but also provides a clear roadmap for repayment.The amortised loan structure typically involves equal monthly payments that cover both principal and interest. Initially, a larger portion of each payment goes towards interest, with the principal being paid down more slowly. As time progresses, the interest portion decreases while the principal repayment increases, leading to a gradual reduction of the outstanding balance. This systematic approach to debt repayment can offer several advantages to borrowers.For one, the predictability of amortised payments allows individuals to budget their finances more effectively. Knowing the exact amount due each month helps avoid surprises and ensures that borrowers can plan their expenses accordingly. Additionally, amortised loans often come with lower interest rates compared to non-amortising loans, making them a more cost-effective option in the long run.However, it is essential to understand the implications of taking on an amortised loan. While the structured repayment plan can be beneficial, it also means that borrowers are committed to making payments for the entire duration of the loan. Missing a payment can lead to penalties and negatively impact credit scores. Furthermore, if the borrower decides to sell the asset tied to the loan before it is fully paid off, they may face challenges in settling the remaining balance.Moreover, the concept of amortised loans extends beyond personal finance. Businesses often utilize amortisation for their capital expenditures. For instance, when a company purchases equipment, it may choose to amortise the cost over its useful life. This practice allows businesses to spread the expense over several years, aligning the cost with the revenue generated from the asset. By doing so, companies can maintain healthier cash flows and improve their financial statements.In conclusion, the term amortised encapsulates a vital aspect of financial management, both for individuals and businesses. It represents a systematic approach to debt repayment that can simplify budgeting and enhance financial stability. However, potential borrowers must weigh the benefits against the commitment involved in taking on an amortised loan. Understanding this term and its implications is essential for anyone looking to navigate the complexities of finance effectively. With careful planning and consideration, individuals and businesses alike can leverage amortised loans to achieve their financial goals while minimizing risks.

在金融世界中，理解各种术语对于做出明智的决策至关重要。其中一个经常出现在贷款和投资讨论中的术语是amortised，它指的是通过定期付款逐渐偿还债务的过程。这个概念在讨论抵押贷款、汽车贷款和其他类型的分期贷款时尤其相关。当贷款被amortised时，借款人同意在规定的时间内以固定的分期付款偿还本金和利息。这种方法不仅有助于管理财务，还提供了清晰的还款路线图。Amortised贷款结构通常涉及每月相等的付款，这些付款涵盖了本金和利息。最初，每笔付款中较大的一部分用于支付利息，而本金的偿还则相对缓慢。随着时间的推移，利息部分减少，而本金的偿还增加，导致未偿余额逐渐减少。这种系统化的债务偿还方式可以为借款人提供几个优势。首先，amortised付款的可预测性使个人能够更有效地预算他们的财务。知道每个月应付的确切金额有助于避免意外，并确保借款人能够相应地规划他们的支出。此外，与非摊销贷款相比，amortised贷款通常伴随更低的利率，从长远来看，使其成为更具成本效益的选择。然而，了解承接amortised贷款的影响至关重要。尽管结构化的还款计划可能是有利的，但这也意味着借款人承诺在整个贷款期限内进行付款。错过一次付款可能会导致罚款并对信用评分产生负面影响。此外，如果借款人在贷款完全偿还之前决定出售与贷款相关的资产，他们可能会面临结清剩余余额的挑战。此外，amortised贷款的概念超出了个人财务的范围。企业通常利用摊销来处理其资本支出。例如，当一家公司购买设备时，它可能选择在设备的使用寿命内对成本进行amortise。这一做法允许企业将费用分摊到若干年中，使成本与从资产中产生的收入保持一致。通过这样做，公司可以维持更健康的现金流，并改善其财务报表。总之，术语amortised概括了个人和企业财务管理的重要方面。它代表了一种系统化的债务偿还方法，可以简化预算并增强财务稳定性。然而，潜在的借款人必须权衡好处与承担amortised贷款所涉及的承诺之间的关系。理解这一术语及其影响对于任何希望有效应对金融复杂性的人来说都是至关重要的。通过仔细的规划和考虑，个人和企业都可以利用amortised贷款实现他们的财务目标，同时最大限度地降低风险。