amortize是一个英语单词，意思是分期偿还。发音为 [??m??ta?z]。
以下是一些使用amortize的英语范文：
1. 英语作文音标：
题目：Amortization of Loans 贷款的分期偿还
Amortize is a term used in finance to describe the process of paying back a loan in regular installments over a period of time. This practice helps to reduce the burden of repaying the entire amount at once and allows the borrower to spread out the repayment over a longer period of time.
2. 基础释义：
分期偿还指的是在一段时间内，将一笔贷款分多次偿还。这种做法有助于减轻一次性还清的压力，让借款者将还款期限拉长。
以上是对amortize的简单介绍，希望对您有所帮助。
Amortize： An Important Finance Term
Amortize is a term commonly used in finance. It refers to the process of spreading out a cost over a period of time, usually to reduce the impact of the cost on a particular period of time.
For example, if you take a loan to buy a house, the interest on the loan is amortized over the term of the loan, which means that you pay interest over time instead of all at once. This helps you manage your cash flow better and avoid sudden cash crunches.
Another example is when you pay off a credit card balance over time instead of paying it all at once. In this case, the interest charges on the credit card are amortized, which means that you spread out the cost of the interest over time instead of paying it all at once.
Amortization is a very useful concept in finance because it helps us plan our finances better and avoid sudden financial shocks. By amortizing expenses, we can better manage our cash flow and avoid overspending or underspending in any particular period of time.
In conclusion, amortize is a very important term in finance that helps us plan our finances better and avoid sudden financial shocks. By understanding amortization, we can better manage our finances and achieve our financial goals.
Amortize
Amortize refers to the process of spreading out or spreading the cost of an expense over a period of time. It is commonly used in the context of loans and debt repayment, where the interest and principal are amortized over the term of the loan.
For example, if you take a loan to purchase a car, the interest and principal will be amortized over the term of the loan. This means that you will pay back the loan in installments over a period of time, and each installment will include both the interest and the principal.
Amortization helps to make debt repayment more manageable, as it breaks down the overall cost of debt into smaller, more manageable chunks over time. It also helps to avoid debt traps, as it allows you to plan your finances and budget for debt repayment effectively.
In terms of financial planning, amortization tables are commonly used to calculate the monthly payments for various types of loans and debt. These tables provide a clear picture of the overall cost of debt over time, and help you to make informed decisions about your finances.
Here's an example of an amortization table for a loan:
| Month | Interest Paid | Principal Paid | Remaining Principal | Remaining Interest |
| --- | --- | --- | --- | --- |
| 1st month | $X | $0 | $X | $Y |
| Month 2 | $Y1 | $Y2 | $X - Y2 | $Y - Y1 |
| Month 3 | $Y1 + Y2 | $Y3 = Y2 - Y1 | $X - Y3 | $Z = Y - Y3 |
| ... | ... | ... | ... | ... |
| Month n-1 | Total Interest Paid This Period | Total Principal Paid This Period | Remaining Principal After This Period | Remaining Interest After This Period |
In this table, "X" is the total interest paid in the first month, "Y" is the total principal paid in the first month, "Y1" is the interest paid in month 2, "Y2" is the principal paid in month 2, and so on. The table helps you plan your finances and budget for debt repayment effectively.
Amortization is a crucial aspect of financial planning and debt repayment, as it helps you plan your finances effectively and avoid debt traps. By understanding amortization, you can better manage your finances and stay on track with your debt repayment plan.
