capital repayment

简明释义

资本偿还

英英释义

例句

1.After five years, the capital repayment 本金偿还 amount will decrease significantly.

五年后，本金偿还金额将显著减少。

2.She made an extra capital repayment 本金偿还 to reduce her interest payments.

她进行了额外的本金偿还以减少利息支出。

3.Investors are concerned about the capital repayment 本金偿还 schedule of the project.

投资者对该项目的本金偿还计划感到担忧。

4.The bank requires a monthly capital repayment 本金偿还 on the loan.

银行要求每月进行一次贷款的本金偿还。

5.The mortgage agreement outlines the capital repayment 本金偿还 terms clearly.

抵押贷款协议清楚地列出了本金偿还条款。

作文

In the world of finance, understanding various terms is crucial for both individuals and businesses. One such term that often arises in discussions about loans and mortgages is capital repayment. This phrase refers to the process of paying back the principal amount borrowed from a lender. In simpler terms, it is the portion of your loan payment that goes towards reducing the original amount you borrowed, rather than just covering the interest on that loan. The concept of capital repayment is fundamental in managing debt effectively and ensuring financial stability.When someone takes out a loan, they typically agree to repay not only the interest but also the principal amount over a specified period. The capital repayment occurs during each installment of the loan, where a part of the payment reduces the total outstanding balance. This is different from interest payments, which are essentially the cost of borrowing money. Understanding how capital repayment works is essential for anyone looking to manage their finances wisely.For instance, consider a mortgage where a homeowner borrows $200,000 to purchase a property. If the mortgage has a fixed interest rate and a set term (say 30 years), the monthly payments will include both interest and capital repayment. In the early years of the mortgage, a larger portion of the monthly payment goes towards interest, while a smaller portion reduces the principal. As time progresses, this shifts, and more of the payment goes towards capital repayment, ultimately leading to the full repayment of the loan by the end of the term.The importance of capital repayment cannot be overstated. It not only helps in reducing the overall debt but also builds equity in an asset, such as a home. Equity is the difference between the market value of the property and the remaining mortgage balance. As homeowners make capital repayments, their equity increases, providing them with financial security and options for future investments or loans.Moreover, understanding capital repayment is vital when planning for future financial goals. For example, if someone plans to buy a new car or invest in education, knowing how much of their income will go towards capital repayment can help them budget effectively. It allows individuals to assess their financial situation and make informed decisions about spending, saving, and investing.In conclusion, capital repayment is a key component of any loan agreement, particularly in mortgages. It represents the process of paying back the principal amount borrowed, which is essential for reducing overall debt and building equity. By grasping the concept of capital repayment, borrowers can better manage their finances, plan for the future, and work towards achieving their financial goals. Whether you are a first-time homebuyer or someone looking to understand personal finance better, recognizing the significance of capital repayment is a step towards financial literacy and responsibility.

在金融世界中，理解各种术语对于个人和企业都至关重要。其中一个常常出现在贷款和抵押贷款讨论中的术语是本金偿还。这个短语指的是偿还借款人从贷方那里借入的本金金额的过程。简单来说，它是您贷款支付的一部分，用于减少您借入的原始金额，而不仅仅是覆盖该贷款的利息。本金偿还的概念在有效管理债务和确保财务稳定方面是基础。当某人申请贷款时，他们通常同意在规定的期限内偿还本金以及利息。每次贷款的分期付款中都会发生本金偿还，其中一部分付款减少了总未偿还余额。这与利息支付不同，利息支付本质上是借钱的成本。了解本金偿还的运作方式对于任何希望明智管理财务的人来说都是至关重要的。例如，考虑一个抵押贷款，房主借款20万美元购买房产。如果抵押贷款具有固定利率和设定期限（例如30年），则每月的还款将包括利息和本金偿还。在抵押贷款的早期阶段，每月还款的大部分用于利息，而较小的部分用于减少本金。随着时间的推移，这种情况会发生变化，更多的付款将用于本金偿还，最终在期限结束时完全偿还贷款。本金偿还的重要性不可低估。它不仅有助于减少整体债务，还在资产（例如房屋）中建立了权益。权益是房产市场价值与剩余抵押贷款余额之间的差额。随着房主进行本金偿还，他们的权益增加，从而为他们提供财务安全和未来投资或贷款的选择。此外，了解本金偿还在规划未来财务目标时至关重要。例如，如果某人计划购买新车或投资教育，了解他们的收入中有多少将用于本金偿还可以帮助他们有效预算。这使个人能够评估自己的财务状况，并就支出、储蓄和投资做出明智的决策。总之，本金偿还是任何贷款协议的关键组成部分，特别是在抵押贷款中。它代表偿还借入的本金金额的过程，这对于减少整体债务和建立权益至关重要。通过掌握本金偿还的概念，借款人可以更好地管理财务，规划未来，并努力实现他们的财务目标。无论您是首次购房者还是希望更好地理解个人财务的人，认识到本金偿还的重要性都是迈向财务素养和责任的一步。