amortization schedule

简明释义

摊销表

英英释义

例句

1.I used an online calculator to generate an amortization schedule (摊销计划) for my mortgage.

我使用在线计算器生成了我的抵押贷款的amortization schedule (摊销计划)。

2.Understanding the amortization schedule (摊销计划) is crucial for effective financial planning.

理解amortization schedule (摊销计划) 对于有效的财务规划至关重要。

3.Before signing the loan agreement, make sure to review the amortization schedule (摊销计划) to understand your monthly payments.

在签署贷款协议之前，确保查看一下amortization schedule (摊销计划)，以了解你的每月还款额。

4.The bank provided an amortization schedule (摊销计划) that detailed how much interest I would pay over the life of the loan.

银行提供了一份amortization schedule (摊销计划)，详细说明了我在贷款期间将支付的利息总额。

5.The amortization schedule (摊销计划) showed that most of my early payments would go toward interest.

这份amortization schedule (摊销计划) 显示我早期的大部分还款将用于支付利息。

作文

Understanding financial concepts is crucial for anyone looking to manage their personal finances effectively. One such concept that plays a significant role in loans and mortgages is the amortization schedule. An amortization schedule is a table that outlines each payment of a loan over time, detailing how much of each payment goes towards the principal and how much goes towards interest. This schedule is essential for borrowers as it provides a clear picture of their repayment plan and helps them understand the impact of their payments on the overall balance of the loan.When someone takes out a loan, they often do so with the expectation that they will repay it in installments over a set period. The amortization schedule breaks down these installments into manageable chunks, allowing borrowers to see precisely how long it will take to pay off their debt. For instance, if you have a mortgage, your amortization schedule will show you how much you need to pay each month and how those payments will affect your remaining balance.One of the critical benefits of having an amortization schedule is that it helps borrowers plan their finances better. By knowing how much they need to allocate each month towards their loan, individuals can budget accordingly. Furthermore, understanding the amortization schedule allows borrowers to see the long-term implications of making extra payments. For example, if a borrower decides to pay an additional amount towards the principal, they can refer to the amortization schedule to see how this will reduce the total interest paid and shorten the loan term.Moreover, the amortization schedule can also serve as a motivational tool for borrowers. Seeing the remaining balance decrease over time can provide a sense of accomplishment and encourage individuals to stick to their repayment plans. It can also help borrowers identify any potential issues early on, such as if they are falling behind on payments or if their financial situation changes unexpectedly.In conclusion, the amortization schedule is a vital tool for anyone who has taken out a loan. It not only provides a detailed breakdown of payments but also aids in financial planning and encourages responsible borrowing. By understanding the amortization schedule, borrowers can make informed decisions about their finances, ultimately leading to better management of their debts and a clearer path to financial stability. As we navigate the complexities of personal finance, having tools like the amortization schedule at our disposal can make a significant difference in achieving our financial goals.

理解财务概念对于任何希望有效管理个人财务的人来说都是至关重要的。其中一个在贷款和抵押贷款中起着重要作用的概念是摊销计划。摊销计划是一张表，概述了贷款在一段时间内的每次付款，详细说明了每笔付款中多少用于本金，多少用于利息。这个计划对借款人至关重要，因为它提供了清晰的还款计划，并帮助他们了解付款对贷款总余额的影响。当有人申请贷款时，他们通常期望在设定的时间内分期偿还。摊销计划将这些分期付款分解为可管理的部分，使借款人能够清楚地看到偿还债务需要多长时间。例如，如果您有抵押贷款，您的摊销计划将显示您每月需要支付多少，以及这些付款将如何影响您的剩余余额。拥有摊销计划的一个关键好处是，它帮助借款人更好地规划财务。通过知道每月需要分配多少金额来偿还贷款，个人可以相应地进行预算。此外，了解摊销计划使借款人能够看到提前还款的长期影响。例如，如果借款人决定向本金支付额外金额，他们可以参考摊销计划来查看这将如何减少总利息支出并缩短贷款期限。此外，摊销计划还可以作为借款人的激励工具。随着时间的推移，看到剩余余额减少可以带来成就感，并鼓励个人坚持还款计划。它还可以帮助借款人及早识别潜在问题，例如是否落后于付款，或其财务状况是否意外变化。总之，摊销计划是任何申请贷款的人的重要工具。它不仅提供了详细的付款细目，还帮助财务规划并鼓励负责任的借贷。通过理解摊销计划，借款人可以做出明智的财务决策，从而更好地管理债务，并清晰地走向财务稳定。当我们在个人财务的复杂性中航行时，拥有像摊销计划这样的工具可以在实现我们的财务目标方面产生重大差异。