payable by installment

简明释义

应付分期付款

英英释义

例句

1.The tuition fees for the course are payable by installment throughout the semester.

课程的学费在整个学期内可以分期付款。

2.You can purchase the new laptop with a payment plan that is payable by installment.

你可以通过一种分期付款的支付计划购买这台新笔记本电脑。

3.The car dealership offers financing options that are payable by installment over three years.

汽车经销商提供的融资选项是分期付款，可在三年内偿还。

4.He decided to buy the expensive watch through a plan that is payable by installment.

他决定通过一种分期付款的计划购买那块昂贵的手表。

5.Our furniture store has several items that are payable by installment to make it easier for customers.

我们的家具店有多件商品可供分期付款，以方便顾客。

作文

In today's fast-paced world, many people find themselves in need of financial assistance to make significant purchases. Whether it is a new car, a home, or even furniture, the concept of buying on credit has become increasingly popular. One common method of financing these purchases is through payments that are payable by installment. This term refers to an arrangement where the total cost of a product or service is divided into smaller, manageable payments made over a specified period of time. In this essay, we will explore the advantages and disadvantages of this payment method and how it impacts consumers' financial health.The primary advantage of payments that are payable by installment is that they allow individuals to acquire expensive items without having to pay the full amount upfront. For instance, when purchasing a car, many buyers may not have the funds available to pay the entire price in one go. By opting for an installment plan, they can drive away with their new vehicle while making affordable monthly payments. This flexibility can significantly ease the burden on a buyer's budget, making it possible for them to enjoy their purchase sooner rather than later.Moreover, installments can help individuals manage their finances more effectively. When payments are payable by installment, consumers can allocate their income towards different expenses, ensuring that they can cover their essential needs while also enjoying their new purchase. This method of payment can be particularly beneficial for those who live paycheck to paycheck, as it allows them to spread out the cost over time rather than facing a financial strain all at once.However, there are also potential downsides to consider when opting for payments that are payable by installment. One significant concern is the possibility of accruing debt. While the idea of paying in installments may seem manageable, it can lead some individuals to overspend or take on more debt than they can handle. If a consumer is not careful, they may find themselves struggling to make their monthly payments, which can result in late fees, increased interest rates, and damage to their credit score.Additionally, many installment plans come with hidden costs, such as high-interest rates or additional fees for late payments. It is crucial for consumers to read the fine print and understand the terms of their agreement before committing to an installment plan. Failing to do so can lead to unexpected financial burdens that can negate the initial benefits of spreading out payments.In conclusion, payments that are payable by installment can offer a practical solution for individuals looking to make significant purchases without the immediate financial strain. They provide flexibility and allow consumers to manage their budgets more effectively. However, it is essential to approach this payment method with caution, as the risk of accumulating debt and facing hidden fees can undermine the advantages it offers. By understanding both the benefits and drawbacks, consumers can make informed decisions that align with their financial goals and ensure that their spending remains within their means.

在当今快节奏的世界中，许多人发现自己需要财务援助来进行重大购买。无论是新车、房屋还是家具，信用购买的概念变得越来越流行。一种常见的融资方式是通过分期付款来支付，这个术语指的是将产品或服务的总费用分成较小、可管理的付款，在指定的时间内进行。在这篇文章中，我们将探讨这种付款方式的优缺点，以及它如何影响消费者的财务健康。分期付款的主要优点是，它允许个人在不必一次性支付全部金额的情况下获得昂贵的物品。例如，在购买汽车时，许多买家可能没有足够的资金一次性支付整个价格。通过选择分期付款计划，他们可以立即开走新车，同时进行可负担的月供。这种灵活性可以显著减轻买家的预算负担，使他们能够更早享受到购买的乐趣。此外，分期付款还可以帮助个人更有效地管理财务。当付款是分期支付时，消费者可以将收入分配到不同的支出上，确保他们能够覆盖基本需求，同时也享受新购买的物品。这种付款方式对于那些生活在每月收入之间的人尤其有利，因为它使他们能够分散成本，而不是一次性面临财务压力。然而，在选择分期支付时也有潜在的缺点需要考虑。一个重要的担忧是可能会积累债务。虽然分期付款的想法似乎是可管理的，但它可能导致一些人超支或承担超过自己承受能力的债务。如果消费者不小心，他们可能会发现自己在努力偿还每月付款，这可能导致滞纳金、利率上升和信用评分受损。此外，许多分期付款计划可能会附带隐藏费用，例如高利率或逾期付款的额外费用。消费者在承诺分期付款计划之前，务必要仔细阅读条款并了解协议的内容。否则，可能会导致意想不到的财务负担，从而抵消最初分散付款的好处。总之，分期支付可以为希望进行重大购买而不立即面临财务压力的个人提供实用解决方案。它们提供了灵活性，并允许消费者更有效地管理预算。然而，谨慎对待这种付款方式至关重要，因为积累债务和面临隐藏费用的风险可能会削弱其所提供的优势。通过理解优缺点，消费者可以做出符合自身财务目标的明智决策，确保自己的支出保持在可承受范围内。