pay by installment

简明释义

分期付款

英英释义

例句

1.Many furniture stores allow customers to pay by installment 分期付款 over several months.

许多家具店允许顾客在几个月内分期付款。

2.Our travel agency offers a plan where you can pay by installment 分期付款 for your vacation package.

我们的旅行社提供一种计划，你可以为你的度假套餐分期付款。

3.You can pay by installment 分期付款 for your car, which makes it easier to manage your budget.

你可以为你的汽车分期付款，这使得管理预算更容易。

4.I chose to pay by installment 分期付款 for my wedding expenses to avoid financial stress.

我选择为我的婚礼费用分期付款，以避免财务压力。

5.I decided to pay by installment 分期付款 for my new laptop to make it more affordable.

我决定为我的新笔记本电脑分期付款，这样更容易负担。

作文

In today's fast-paced world, making large purchases can often be a daunting task. Many people find themselves in situations where they need to buy something significant, like a car or a home appliance, but do not have the full amount of money readily available. This is where the option to pay by installment comes into play. To pay by installment means to divide the total cost of an item into smaller, manageable payments made over time, rather than paying the entire sum upfront. This method of payment has become increasingly popular as it allows consumers to acquire essential items without straining their finances. One major advantage of paying by installment is that it makes expensive purchases more accessible. For instance, when someone wishes to buy a new laptop that costs $1,200, they may not have that amount available at once. However, if the store offers a plan that allows them to pay by installment, they might only need to pay $200 each month for six months. This arrangement alleviates financial pressure and enables individuals to enjoy their purchases immediately without waiting to save up the entire amount.Furthermore, paying by installment can also help individuals build their credit score. When consumers make regular payments on time, it reflects positively on their credit history. This can be beneficial for future purchases, such as applying for loans or mortgages, where a good credit score is essential. Therefore, responsibly managing an installment plan can lead to long-term financial benefits.However, it is crucial to understand the terms and conditions associated with paying by installment. Some companies may charge high-interest rates, which can significantly increase the total amount paid over time. For example, if the same laptop mentioned earlier comes with a 20% interest rate, the total cost could rise to $1,440 by the end of the payment period. Consumers must carefully evaluate whether the benefits of paying by installment outweigh the potential drawbacks. Additionally, individuals should ensure that they can meet the monthly payment requirements before committing to an installment plan. Failure to make timely payments can result in penalties, additional fees, and damage to one’s credit score. Therefore, it is vital to create a budget that includes these payments to avoid falling into debt.In conclusion, the option to pay by installment provides a practical solution for those looking to make significant purchases without immediate financial strain. It allows individuals to enjoy their items while spreading the cost over time, making it easier to manage their finances. However, it is essential to approach this payment method with caution, understanding the terms involved and ensuring that one can meet the payment obligations. By doing so, consumers can benefit from the convenience of paying by installment while avoiding potential pitfalls associated with this financial strategy.

在当今快节奏的世界中，进行大额购买常常是一项艰巨的任务。许多人发现自己需要购买一些重要的东西，比如汽车或家电，但并没有足够的现金可用。这时，“分期付款”的选择就派上用场了。“分期付款”是指将商品的总费用分成较小的、可管理的分期付款，而不是一次性支付全部金额。这种付款方式越来越受欢迎，因为它使消费者能够在不加重财务负担的情况下获得必需品。“分期付款”的一个主要优点是使昂贵的购买变得更容易获得。例如，当某人希望购买一台价值1200美元的新笔记本电脑时，他们可能没有那么多钱。然而，如果商店提供一个允许他们“分期付款”的计划，他们可能只需要每月支付200美元，持续六个月。这种安排缓解了财务压力，使个人能够立即享受他们的购买，而无需等待存够全款。此外，“分期付款”还可以帮助个人建立信用评分。当消费者按时进行定期付款时，这在他们的信用历史上反映出积极的影响。这对于未来的购买，如申请贷款或抵押贷款，是非常有益的，因为良好的信用评分至关重要。因此，负责任地管理分期付款计划可以带来长期的财务利益。然而，了解与“分期付款”相关的条款和条件至关重要。一些公司可能会收取高额利息，这会显著增加支付的总金额。例如，如果前面提到的同一台笔记本电脑的利率为20%，那么在付款期结束时，总费用可能会上升到1440美元。消费者必须仔细评估“分期付款”的好处是否超过潜在的缺点。此外，个人在承诺分期付款计划之前，应确保自己能够满足每月的付款要求。未能按时付款可能导致罚款、额外费用以及对信用评分的损害。因此，制定包括这些付款的预算至关重要，以避免陷入债务。总之，“分期付款”的选项为那些希望在不立刻造成财务压力的情况下进行重大购买提供了切实可行的解决方案。它使个人能够在分摊费用的同时享受他们的物品，从而更容易管理他们的财务。然而，采用这种付款方式时应谨慎，了解所涉及的条款，并确保能够满足付款义务。通过这样做，消费者可以在享受“分期付款”便利的同时，避免与这种财务策略相关的潜在陷阱。