assessed amount of debt

简明释义

查定负债金额

英英释义

例句

1.Before approving the loan, the lender reviewed the assessed amount of debt on the applicant's record.

在批准贷款之前，贷款人审查了申请人记录中的评估的债务金额。

2.The bank calculated the assessed amount of debt to determine the client's creditworthiness.

银行计算了评估的债务金额以确定客户的信用状况。

3.Understanding your assessed amount of debt can help you manage your finances better.

了解你的评估的债务金额可以帮助你更好地管理财务。

4.The financial advisor suggested reducing the assessed amount of debt to improve the client's financial health.

财务顾问建议减少评估的债务金额以改善客户的财务状况。

5.The assessed amount of debt is crucial for determining eligibility for a mortgage.

对于确定抵押贷款资格来说，评估的债务金额至关重要。

作文

In today's complex financial landscape, understanding the various components of personal and corporate finance is essential. One crucial aspect that often comes into play is the assessed amount of debt, which refers to the total value of a borrower's obligations as determined by a lender or financial institution. This figure plays a significant role in evaluating an individual's or a company's financial health and creditworthiness.When assessing the assessed amount of debt, lenders typically look at a variety of factors, including outstanding loans, credit card balances, and any other financial liabilities. This comprehensive assessment helps them understand the risk associated with lending money to a borrower. For individuals, high levels of debt can lead to financial strain and difficulties in meeting monthly payments, while for businesses, it can hinder growth and operational stability.For instance, consider a small business owner who has taken out several loans to expand their operations. The assessed amount of debt would include all outstanding loans, lines of credit, and any other financial obligations. If this amount becomes too high relative to the company's revenue, it may signal to lenders that the business is over-leveraged, potentially leading to higher interest rates or denial of future credit. Therefore, managing the assessed amount of debt effectively is vital for maintaining a healthy balance sheet.On a personal level, individuals must also be aware of their assessed amount of debt. Credit scores are often affected by how much debt one carries compared to their income. High debt levels can lower credit scores, making it more challenging to secure loans for major purchases like homes or cars. Individuals should strive to keep their debt-to-income ratio within a reasonable range to maintain financial stability and ensure access to credit when needed.Moreover, understanding the implications of the assessed amount of debt can help individuals and businesses make informed financial decisions. For example, if a person realizes that their debt is becoming unmanageable, they may seek financial counseling or explore options such as debt consolidation. Similarly, a business facing high levels of debt might consider restructuring its finances or seeking investors to alleviate some of the burdens.In conclusion, the assessed amount of debt serves as a critical indicator of financial health for both individuals and organizations. By keeping track of this figure and understanding its implications, borrowers can take proactive steps to manage their finances better. Whether through budgeting, seeking professional advice, or exploring refinancing options, being aware of one's debt situation is essential for achieving long-term financial success. Ultimately, a well-managed assessed amount of debt can pave the way for greater opportunities and financial freedom in the future.

在当今复杂的金融环境中，理解个人和企业财务的各个组成部分至关重要。其中一个关键方面是评估的债务金额，指的是借款人所承担的义务的总价值，由贷款人或金融机构确定。这个数字在评估个人或公司的财务健康和信用worthiness时起着重要作用。在评估评估的债务金额时，贷款人通常会考虑多种因素，包括未偿还的贷款、信用卡余额以及其他财务负债。这一全面评估有助于他们了解向借款人放贷的风险。对于个人来说，高水平的债务可能导致财务压力和难以按月付款，而对于企业来说，这可能会阻碍增长和运营稳定。例如，考虑一个小企业主，他为了扩大业务而申请了几笔贷款。评估的债务金额将包括所有未偿还的贷款、信用额度和其他财务义务。如果这个金额相对于公司的收入变得过高，可能会向贷款人发出该企业过度杠杆的信号，从而导致更高的利率或拒绝未来的信贷。因此，有效管理评估的债务金额对于保持健康的资产负债表至关重要。在个人层面，个体也必须意识到自己的评估的债务金额。信用评分通常受到一个人所携带的债务与其收入的比例的影响。高债务水平可能降低信用评分，使得获得房屋或汽车等重大购买贷款变得更加困难。个人应努力将其债务与收入比保持在合理范围内，以维持财务稳定并确保在需要时能够获得信贷。此外，理解评估的债务金额的影响可以帮助个人和企业做出明智的财务决策。例如，如果一个人意识到自己的债务变得不可管理，他们可能会寻求财务咨询或探索如债务合并等选项。同样，面临高债务水平的企业可能会考虑重组其财务或寻求投资者以减轻一些负担。总之，评估的债务金额是个人和组织财务健康的重要指标。通过跟踪这一数字并理解其影响，借款人可以采取主动措施来更好地管理自己的财务。无论是通过预算、寻求专业建议还是探索再融资选项，意识到自己的债务状况对于实现长期财务成功至关重要。最终，良好管理的评估的债务金额可以为未来更大的机会和财务自由铺平道路。