outstanding balance

简明释义

未达余额，未结余额，未清余额，未用余额

英英释义

例句

1.The bank sent me a reminder about my outstanding balance on the credit card.

银行给我发了关于信用卡上未偿余额的提醒。

2.Please check your account statement to see the outstanding balance.

请查看您的账户对账单以了解未偿余额。

3.To avoid late fees, make sure to pay off your outstanding balance by the due date.

为了避免滞纳金，请确保在到期日之前还清您的未偿余额。

4.Your outstanding balance will accrue interest if not paid in full.

如果未全额支付，您的未偿余额将会产生利息。

5.I need to transfer funds to cover my outstanding balance before the end of the month.

我需要在月底之前转账以覆盖我的未偿余额。

作文

Managing personal finances can be a challenging task, especially when it comes to understanding various financial terms. One such term that often causes confusion is the outstanding balance, which refers to the amount of money that is still owed on a loan or credit account. This balance is crucial for anyone looking to maintain good financial health and avoid unnecessary debt. In this essay, we will explore the concept of outstanding balance in detail, including its implications and how to manage it effectively.Firstly, it is important to recognize that an outstanding balance can occur in various financial contexts, such as credit cards, personal loans, mortgages, and other forms of credit. For instance, if you have a credit card with a limit of $5,000 and you have made purchases totaling $3,000, your outstanding balance would be $3,000. This amount is what you owe to the credit card company and needs to be paid back according to the terms of your agreement.Understanding your outstanding balance is essential for effective budgeting. It allows you to keep track of how much you owe and helps you plan your monthly expenses accordingly. If you are aware of your current outstanding balance, you can allocate funds to pay it down, thereby reducing your overall debt and improving your financial situation. Moreover, knowing your balance can help prevent overspending, which is a common pitfall for many individuals.Another significant aspect of managing your outstanding balance is understanding the interest rates associated with it. Credit accounts often come with varying interest rates, which can affect the total amount you will eventually pay back. For example, if your credit card has a high-interest rate and you only make minimum payments, your outstanding balance can grow substantially over time due to accruing interest. Therefore, it is advisable to pay more than the minimum whenever possible to reduce both your outstanding balance and the interest you will owe.Additionally, keeping your outstanding balance low can positively impact your credit score. Credit scoring models typically consider your credit utilization ratio, which is the percentage of your available credit that you are currently using. A lower outstanding balance relative to your credit limit indicates to lenders that you are responsible with credit, which can enhance your creditworthiness and lead to better loan terms in the future.In conclusion, the term outstanding balance is a fundamental concept in personal finance that everyone should understand. It represents the amount of money owed on credit accounts, and managing it effectively is key to maintaining financial health. By being aware of your outstanding balance, budgeting wisely, paying down debt, and keeping it low, you can set yourself up for a more secure financial future. Whether you are just starting out with credit or are looking to improve your financial habits, understanding your outstanding balance is a vital step towards achieving your goals.

管理个人财务可能是一项具有挑战性的任务，尤其是在理解各种金融术语时。其中一个常常引起困惑的术语是未偿余额，它指的是贷款或信用账户上仍然欠款的金额。这个余额对于任何希望保持良好财务健康和避免不必要债务的人来说都是至关重要的。在这篇文章中，我们将详细探讨未偿余额的概念，包括其含义以及如何有效管理它。首先，重要的是要认识到未偿余额可以出现在各种金融背景中，例如信用卡、个人贷款、抵押贷款和其他形式的信用。例如，如果你有一张信用卡，额度为5000美元，而你已经消费了3000美元，那么你的未偿余额就是3000美元。这笔款项是你欠信用卡公司的，需要根据你的协议条款偿还。了解你的未偿余额对于有效预算至关重要。它使你能够跟踪自己欠多少钱，并帮助你相应地规划每月开支。如果你知道当前的未偿余额，你可以分配资金来偿还，从而减少整体债务并改善财务状况。此外，了解余额可以帮助防止过度消费，这是许多人常犯的错误。管理你的未偿余额的另一个重要方面是理解与之相关的利率。信用账户通常伴随不同的利率，这可能会影响你最终需要偿还的总金额。例如，如果你的信用卡利率很高，而你仅支付最低还款额，那么由于利息的累积，你的未偿余额可能会随着时间的推移大幅增长。因此，建议尽可能多还款，以减少你的未偿余额和所需支付的利息。此外，保持低的未偿余额可以对你的信用评分产生积极影响。信用评分模型通常会考虑你的信用利用率，即你当前使用的可用信用的百分比。相对于你的信用额度，较低的未偿余额向贷方表明你对信用负责，这可以提高你的信用价值，并在未来获得更好的贷款条款。总之，未偿余额这一术语是个人财务中的一个基本概念，每个人都应该理解。它代表了信用账户上欠款的金额，有效管理它是保持财务健康的关键。通过了解你的未偿余额、明智预算、偿还债务并保持低水平，你可以为更安全的财务未来做好准备。无论你是刚开始使用信用，还是希望改善财务习惯，理解你的未偿余额都是实现目标的重要一步。