reducing balance

简明释义

余额式

英英释义

例句

1.When calculating your mortgage, it's essential to understand how the reducing balance 递减余额 affects your payments.

在计算你的抵押贷款时，了解递减余额 reducing balance 如何影响你的还款是至关重要的。

2.The credit card charges interest based on the reducing balance 递减余额 after each payment.

信用卡在每次还款后，根据递减余额 reducing balance 收取利息。

3.The loan is paid off using a method that calculates interest on the reducing balance 递减余额 each month.

这笔贷款是通过每月根据递减余额 reducing balance 计算利息的方式偿还的。

4.In our savings plan, we apply a reducing balance 递减余额 method to maximize interest earnings.

在我们的储蓄计划中，我们采用递减余额 reducing balance 方法来最大化利息收益。

5.Many financial institutions prefer the reducing balance 递减余额 method for personal loans because it results in lower interest costs.

许多金融机构更喜欢个人贷款的递减余额 reducing balance 方法，因为它会导致较低的利息成本。

作文

In today's financial landscape, understanding various terms is crucial for effective money management. One such term that often comes up in discussions about loans and credit is reducing balance. This concept is particularly important when it comes to calculating interest on loans, especially in the context of personal and mortgage loans. The reducing balance method refers to a way of calculating interest where the interest is charged only on the outstanding amount of the loan after payments have been made. This is in contrast to a flat rate interest calculation, where the interest is calculated on the original principal amount throughout the loan period.To illustrate this, let’s consider a scenario where an individual takes out a loan of $10,000 with an annual interest rate of 10%. If the loan uses the reducing balance method, the interest for the first year would be calculated based on the full $10,000. Therefore, the interest for the first year would be $1,000. However, if the borrower makes a payment of $2,000 at the end of the first year, the outstanding balance would then be $8,000. In the second year, the interest would be calculated on this reduced amount, leading to an interest charge of $800 instead of $1,000.This method of calculating interest can save borrowers a significant amount of money over time. By using the reducing balance approach, borrowers benefit from a decreasing interest burden as they pay down their loan. This is particularly advantageous for those who are able to make larger payments early in the loan term, as it reduces the principal more quickly and consequently lowers the interest charges. Moreover, understanding the implications of reducing balance loans is essential for financial planning. Borrowers should always inquire whether their loan will use this method or a flat rate approach. This knowledge can influence decisions regarding which loans to take out and how to manage repayments effectively. For example, if someone is considering a loan for home renovation, knowing that a reducing balance structure will allow them to pay less interest over time can be a deciding factor in choosing that particular loan.Additionally, financial institutions may offer different terms based on the reducing balance method, which can affect a borrower’s overall cost. It is important for individuals to compare offers and understand the long-term implications of the interest calculation method used by lenders. In conclusion, the concept of reducing balance is vital for anyone looking to make informed financial decisions. It not only impacts the total cost of borrowing but also affects repayment strategies. By being knowledgeable about how interest is calculated and the benefits of a reducing balance method, borrowers can take charge of their financial futures, making choices that align with their budget and financial goals. Understanding these concepts empowers individuals to navigate the complexities of loans and credit with confidence, ultimately leading to better financial health and stability.

在当今的金融环境中，理解各种术语对有效的资金管理至关重要。其中一个在贷款和信用讨论中经常出现的术语是递减余额。这个概念在计算贷款利息时尤其重要，特别是在个人贷款和抵押贷款的背景下。递减余额方法是指一种计算利息的方式，其中利息仅在贷款的未偿还金额上收取，这在支付完成后进行。这与平息利率计算形成对比，在平息利率计算中，利息是在整个贷款期间基于原始本金金额计算的。为了说明这一点，让我们考虑一个场景，一个人以10%的年利率借款10,000美元。如果贷款使用递减余额方法，第一年的利息将基于全额10,000美元计算。因此，第一年的利息为1,000美元。然而，如果借款人在第一年末支付了2,000美元，则未偿还余额将变为8,000美元。在第二年，利息将基于这个减少的金额计算，导致利息费用为800美元，而不是1,000美元。这种计算利息的方法可以为借款人节省大量资金。通过使用递减余额方法，借款人在偿还贷款时会享受到逐渐减少的利息负担。这对于能够在贷款期限内较早进行较大付款的人尤其有利，因为这将更快地减少本金，从而降低利息费用。此外，理解递减余额贷款的影响对于财务规划至关重要。借款人应该始终询问他们的贷款是否会使用这种方法或平息利率方法。这种知识可以影响关于选择哪种贷款和如何有效管理还款的决策。例如，如果某人考虑进行家庭装修贷款，知道递减余额结构将使他们在一段时间内支付更少的利息，可以成为选择该特定贷款的决定因素。此外，金融机构可能会根据递减余额方法提供不同的条款，这可能会影响借款人的整体成本。个人比较报价并了解贷方使用的利息计算方法的长期影响非常重要。总之，递减余额的概念对于任何希望做出明智财务决策的人都是至关重要的。它不仅影响借款的总成本，还影响还款策略。通过了解利息是如何计算的以及递减余额方法的好处，借款人可以掌握他们的财务未来，做出与他们的预算和财务目标相一致的选择。理解这些概念使个人能够自信地驾驭贷款和信用的复杂性，最终实现更好的财务健康和稳定。