amount secured

简明释义

被保险金额

英英释义

例句

1.The bank confirmed that the amount secured is sufficient for the loan approval.

银行确认担保金额足以获得贷款批准。

2.She was relieved to see that the amount secured covered all her expenses.

她松了一口气，看到担保金额覆盖了她的所有费用。

3.The amount secured in this deal ensures that both parties are protected.

此次交易中的担保金额确保双方都受到保护。

4.The contract specifies the amount secured in case of default.

合同中规定了违约时的担保金额。

5.Before proceeding with the investment, we need to verify the amount secured by the collateral.

在进行投资之前，我们需要验证抵押品所担保的担保金额。

作文

In the world of finance and investment, understanding various terms is crucial for making informed decisions. One such term is amount secured, which refers to the total value of assets or collateral that a lender can claim in case of default by the borrower. This concept is particularly important in secured loans, where the borrower offers an asset as a guarantee for the loan. For instance, if someone takes out a mortgage to buy a house, the house itself serves as collateral, and the amount secured would be the value of that house. When an individual seeks a loan, lenders assess the risk associated with lending money. They want to ensure that they have a way to recover their investment should the borrower fail to repay the loan. This is where the amount secured comes into play. By evaluating the value of the collateral, lenders can determine how much they are willing to lend. The higher the amount secured, the lower the risk for the lender, which often translates into better loan terms for the borrower.For example, consider a scenario where a business owner wants to secure a loan to expand their operations. They may offer their business property as collateral. The lender will assess the current market value of the property to determine the amount secured. If the property is valued at $500,000, the lender might be more inclined to approve a loan of up to that amount, depending on other factors like the borrower’s creditworthiness and business plan.Understanding the amount secured is also vital for borrowers. It helps them gauge how much they can borrow without overextending themselves financially. When borrowers know the value of their collateral, they can make better decisions regarding the loan amount they request. This understanding can prevent situations where borrowers take on more debt than they can handle, leading to financial strain or even bankruptcy.Moreover, the amount secured can fluctuate over time due to changes in the market. For instance, if property values decline, the amount secured may decrease, which could impact the borrower’s ability to refinance or obtain additional loans. Therefore, it is essential for both lenders and borrowers to continuously monitor the value of the secured assets.In conclusion, the term amount secured plays a significant role in the lending process. It not only protects the lender’s investment but also empowers borrowers to make informed financial decisions. By understanding this concept, individuals and businesses can navigate the complexities of loans and investments more effectively. Whether you are looking to buy a home, expand a business, or invest in new opportunities, grasping the implications of the amount secured can lead to more favorable outcomes in your financial endeavors.

在金融和投资的世界中，理解各种术语对于做出明智的决策至关重要。其中一个术语是amount secured，它指的是借款人违约时贷方可以索取的资产或抵押品的总价值。这个概念在担保贷款中尤为重要，在这种贷款中，借款人提供资产作为贷款的担保。例如，如果某人申请抵押贷款购买房屋，那么房屋本身就充当抵押品，而amount secured将是该房屋的价值。当个人申请贷款时，贷方会评估与借出资金相关的风险。他们希望确保在借款人未能偿还贷款的情况下，有办法收回投资。这就是amount secured发挥作用的地方。通过评估抵押品的价值，贷方可以确定他们愿意借出的金额。amount secured越高，贷方的风险越低，这通常意味着借款人能够获得更好的贷款条件。例如，考虑一种情况，一位企业主希望获得贷款以扩展其业务。他们可能会将其商业物业作为抵押品。贷方将评估该物业的当前市场价值，以确定amount secured。如果该物业的价值为50万美元，贷方可能更倾向于批准最高达该金额的贷款，具体取决于其他因素，如借款人的信用状况和商业计划。理解amount secured对借款人也至关重要。它帮助他们评估自己可以借多少而不至于在财务上过度延伸。当借款人知道其抵押品的价值时，他们可以更好地决定请求的贷款金额。这种理解可以防止借款人承担超过自己承受能力的债务，从而导致财务压力甚至破产。此外，amount secured的价值可能会随着时间的推移而波动，因市场变化而异。例如，如果房地产价值下降，amount secured可能会减少，这可能会影响借款人再融资或获得额外贷款的能力。因此，贷方和借款人都需要持续监控抵押资产的价值。总之，术语amount secured在贷款过程中扮演着重要角色。它不仅保护了贷方的投资，还使借款人能够做出明智的财务决策。通过理解这一概念，个人和企业可以更有效地驾驭贷款和投资的复杂性。无论您是想购买房屋、扩展业务还是投资新机会，掌握amount secured的含义都能为您的财务努力带来更有利的结果。