schedule of amortization

简明释义

摊销明细表

英英释义

例句

1.The accountant presented a schedule of amortization 摊销计划 to show how the company would pay off its long-term debts.

会计师提供了一份schedule of amortization 摊销计划，以展示公司如何偿还长期债务。

2.Understanding the schedule of amortization 摊销计划 helps borrowers see how much interest they will pay over the life of the loan.

理解schedule of amortization 摊销计划有助于借款人了解在贷款期限内将支付多少利息。

3.The schedule of amortization 摊销计划 can vary significantly depending on the interest rate and loan term.

根据利率和贷款期限，schedule of amortization 摊销计划可能会有很大差异。

4.When applying for a mortgage, the bank provided me with a detailed schedule of amortization 摊销计划 to outline my monthly payments.

在申请抵押贷款时，银行给我提供了一份详细的schedule of amortization 摊销计划以概述我的每月付款。

5.Each month, I review my schedule of amortization 摊销计划 to track my progress in paying off the loan.

每个月，我都会查看我的schedule of amortization 摊销计划，以跟踪我偿还贷款的进展。

作文

In the world of finance and accounting, understanding various terms is crucial for effective management of loans and investments. One such term that plays a significant role in loan repayment is the schedule of amortization. A schedule of amortization is a table that outlines each payment on a loan over time, detailing how much of each payment goes toward the principal amount and how much goes toward interest. This systematic approach to loan repayment helps borrowers understand their financial obligations clearly and plan their budgets accordingly.When an individual takes out a loan, whether for a home, car, or business, they often face the challenge of repaying that loan over several years. The schedule of amortization provides a roadmap for this process. It breaks down the total amount borrowed into manageable payments, typically made monthly. Each entry in the schedule shows the date of the payment, the total amount due, the portion that will go towards interest, and the portion that will reduce the principal balance.For example, consider a mortgage loan of $200,000 with a fixed interest rate of 4% over 30 years. The schedule of amortization for this loan would show the borrower exactly how much they need to pay each month, which would be around $955. Over the life of the loan, the initial payments would consist of a higher percentage going towards interest, while later payments would see a greater portion applied to the principal. This shift occurs because the interest is calculated on the remaining balance of the loan, which decreases with each payment.Understanding the schedule of amortization is not only beneficial for borrowers but also for lenders. Lenders use this schedule to assess the risk associated with loans. By analyzing the repayment structure, they can determine the likelihood of default and make informed decisions about lending policies and interest rates.Moreover, the schedule of amortization can aid in financial planning. For instance, if a borrower anticipates a change in income or expenses, they can refer to the schedule to see how much flexibility they have in making extra payments or adjusting their budget. Some borrowers choose to make additional payments toward the principal to pay off their loans faster, which can significantly reduce the amount of interest paid over time. The schedule of amortization can illustrate the impact of these extra payments, showing how they shorten the loan term and decrease total interest costs.In summary, the schedule of amortization is an essential tool in the realm of finance. It provides clarity and structure to the loan repayment process, benefiting both borrowers and lenders. By breaking down payments into understandable components, it empowers borrowers to manage their finances more effectively and make informed decisions regarding their loans. Whether one is taking out a mortgage, a personal loan, or financing a vehicle, understanding the schedule of amortization is key to navigating the complexities of debt and achieving financial stability. Therefore, anyone involved in financial transactions should take the time to familiarize themselves with this important concept.

在金融和会计的世界中，理解各种术语对于有效管理贷款和投资至关重要。其中一个在贷款偿还中发挥重要作用的术语是摊销计划。摊销计划是一张表格，概述了贷款在一段时间内的每笔付款，详细说明每笔付款中有多少用于本金，多少用于利息。这种系统化的贷款偿还方式帮助借款人清晰地了解其财务义务，并相应地规划预算。当个人申请贷款时，无论是为了购房、购车还是经营业务，他们通常面临在数年内偿还该贷款的挑战。摊销计划为这个过程提供了一条路线图。它将借入的总金额分解为可管理的付款，通常按月支付。计划中的每个条目显示付款日期、到期总额、将用于利息的部分以及将减少本金余额的部分。例如，考虑一笔20万美元的抵押贷款，固定利率为4%，期限为30年。该贷款的摊销计划将向借款人显示他们每月需要支付的确切金额，大约为955美元。在贷款的生命周期内，初始付款将包含更高比例的利息，而后期付款将看到更大比例应用于本金。这种变化发生是因为利息是根据贷款的剩余余额计算的，随着每次付款的减少而减少。理解摊销计划不仅对借款人有利，也对贷款人有帮助。贷款人使用此计划来评估与贷款相关的风险。通过分析还款结构，他们可以确定违约的可能性，并就贷款政策和利率做出明智的决定。此外，摊销计划可以帮助进行财务规划。例如，如果借款人预见到收入或支出的变化，他们可以参考计划，看看在额外付款或调整预算方面有多少灵活性。一些借款人选择向本金支付额外款项，以更快地偿还贷款，这可以显著减少支付的利息总额。摊销计划可以说明这些额外付款的影响，显示它们如何缩短贷款期限并减少总利息成本。总之，摊销计划是金融领域的重要工具。它为贷款偿还过程提供了清晰和结构，惠及借款人和贷款人。通过将付款分解为可理解的组成部分，它使借款人能够更有效地管理财务，并就贷款做出明智的决策。无论是申请抵押贷款、个人贷款还是融资车辆，理解摊销计划是驾驭债务复杂性和实现财务稳定的关键。因此，任何参与金融交易的人都应该花时间熟悉这一重要概念。