amortization period

简明释义

摊提期间

英英释义

例句

1.A shorter amortization period (摊销期) usually means higher monthly payments but less interest paid over time.

较短的amortization period（摊销期）通常意味着更高的月供，但随着时间的推移支付的利息较少。

2.In commercial real estate, the typical amortization period (摊销期) is often 25 years.

在商业房地产中，典型的amortization period（摊销期）通常是25年。

3.When applying for a mortgage, it's important to consider the amortization period (摊销期) as it affects your monthly payments.

申请抵押贷款时，考虑amortization period（摊销期）很重要，因为它会影响你的月供。

4.The bank offers a loan with a ten-year amortization period (摊销期) to help borrowers manage their payments.

银行提供一笔为期十年的amortization period（摊销期）的贷款，以帮助借款人管理他们的付款。

5.Understanding the amortization period (摊销期) can help you make informed financial decisions when buying a home.

了解amortization period（摊销期）可以帮助你在购房时做出明智的财务决策。

作文

Understanding the concept of an amortization period is crucial for anyone involved in finance, whether as a borrower, lender, or investor. The term refers to the length of time it takes to pay off a debt through regular payments. Typically associated with loans such as mortgages, the amortization period determines how much of each payment goes toward interest versus the principal balance. By grasping this concept, individuals can make more informed financial decisions that align with their long-term goals.When you take out a loan, the lender will provide you with a repayment schedule based on the amortization period. This schedule outlines your monthly payments and breaks down how much of each payment is allocated to interest and how much reduces the principal amount owed. A longer amortization period usually results in lower monthly payments, making it more manageable for borrowers. However, it also means that they will pay more interest over the life of the loan.For example, consider a mortgage with a 30-year amortization period. In this scenario, the borrower will make payments for 30 years before the loan is fully paid off. While the monthly payments may be lower compared to a 15-year mortgage, the total interest paid will be significantly higher due to the extended duration. Therefore, understanding the implications of different amortization periods can help borrowers choose a loan structure that best suits their financial situation.Moreover, the choice of amortization period can impact one’s overall financial health. For instance, if a borrower opts for a shorter amortization period, they may face higher monthly payments but will pay off the loan faster and save on interest. This could be beneficial for someone looking to build equity in their home quickly or planning to sell in the near future. On the other hand, a longer amortization period might be more appealing for those who prioritize cash flow and have other investments that could yield higher returns than the interest saved by paying off the loan sooner.In addition to personal finance, the concept of amortization period is also relevant in business settings. Companies often take out loans to fund operations or expansion projects. Understanding the amortization period helps businesses manage their cash flow and budget effectively. For example, a company may choose a loan with a longer amortization period to keep monthly expenses low while investing in growth opportunities. However, they must also consider the long-term costs associated with interest payments.In conclusion, the amortization period plays a vital role in financial planning, both for individuals and businesses. By understanding how it affects loan payments and overall financial health, borrowers can make better decisions that align with their objectives. Whether one is looking to minimize monthly payments or reduce total interest costs, being aware of the implications of different amortization periods is essential for achieving financial success.

理解摊销期的概念对于任何参与金融活动的人来说都是至关重要的，无论是作为借款人、贷款人还是投资者。该术语指的是通过定期付款偿还债务所需的时间长度。通常与抵押贷款等贷款相关，摊销期决定了每笔付款中有多少用于利息，多少用于减少本金余额。掌握这一概念可以帮助个人做出更明智的财务决策，从而与他们的长期目标保持一致。当你申请贷款时，贷款人会根据摊销期为你提供还款计划。该计划列出了你的月付款，并分解了每笔付款中分配给利息和减少欠款本金的金额。较长的摊销期通常会导致较低的月付款，使借款人更易于管理。然而，这也意味着他们在贷款的整个期间将支付更多的利息。例如，考虑一个30年的抵押贷款摊销期。在这种情况下，借款人将支付30年才能完全偿还贷款。虽然相比于15年的抵押贷款，月付款可能较低，但由于期限延长，总利息支出将显著增加。因此，理解不同摊销期的影响可以帮助借款人选择最适合自己财务状况的贷款结构。此外，摊销期的选择也会影响一个人的整体财务健康。例如，如果借款人选择较短的摊销期，可能会面临更高的月付款，但可以更快地偿还贷款并节省利息。这对于希望快速建立房屋净值或计划在不久的将来出售的人来说可能是有益的。另一方面，较长的摊销期可能对那些优先考虑现金流并拥有其他投资的人更具吸引力，这些投资可能产生的回报高于通过更快偿还贷款节省的利息。除了个人财务外，摊销期的概念在商业环境中也很相关。公司通常会申请贷款以资助运营或扩展项目。理解摊销期有助于企业有效管理现金流和预算。例如，一家公司可能选择一个较长的摊销期，以保持较低的月支出，同时投资于增长机会。然而，他们还必须考虑与利息支付相关的长期成本。总之，摊销期在财务规划中发挥着至关重要的作用，无论是对于个人还是企业。通过理解它如何影响贷款支付和整体财务健康，借款人可以做出更好的决策，以符合他们的目标。无论是希望最小化月付款还是减少总利息成本，了解不同摊销期的影响对于实现财务成功至关重要。