amortizes

amortize的音标是[ə"mɔ:tɪz]，基本翻译是“分期偿还，分期付款”，速记技巧是“阿莫特一子，分期还钱”。

amortize的英文词源是拉丁语，意为“使平均分摊”。其变化形式主要有amortization和amortized。

相关单词：

1. Mortgage Amortization（按揭摊还）: 指按揭贷款中本金偿还的过程，通常以月为单位，显示为应偿还的本金总额除以还款月数。

2. amortization debt（摊销债务）: 指那些已经通过摊销方式偿还的债务，例如通过分期付款或租赁的方式所形成的债务。

3. amortized value（摊销价值）: 指经过摊销处理后的资产或负债的价值，通常用于会计记录中。

此外，与amortize相关的单词还包括：

1. amortization schedule（摊销表）: 用于显示按揭贷款中本金摊还的详细表格。

2. amortization rate（摊销率）: 指每月摊还的本金金额占贷款总额的比例，用于衡量还款的效率。

3. amortization debt repayment（摊销债务偿还）: 指通过分期付款或租赁的方式偿还债务的过程。

以上这些单词都与amortize这个单词有着密切的联系，它们都涉及到对债务或资产的平均分摊和偿还的过程。

常用短语：

1. amortize over

2. amortize over a period of time

3. amortize the cost

4. amortize the debt

5. amortize the expense

6. amortization schedule

7. amortization period

双语例句：

1. We need to calculate the monthly amortization of the loan over a period of five years.

2. The repayment of the loan will be spread over a period of 10 years, with monthly amortization.

3. The cost of the equipment will be amortized over its useful life.

4. The debt will be amortized over a period of five years, starting from the date of repayment.

5. The expenses were amortized over the course of the year to avoid a large one-time payment.

6. The amortization schedule for the property is included in the property disclosure statement.

7. The amortization period for the loan is 20 years, with interest calculated on a monthly basis.

英文小作文：

Amortization is a common practice in financial management, especially when dealing with long-term debt or expenses. It helps us to spread out the repayment or cost over a period of time, reducing the impact on our cash flow in the short term.

For example, if we take out a loan to buy a house, we need to pay back the entire amount over a period of years or decades. Amortization allows us to spread out this repayment over time, reducing the burden on our monthly income and allowing us to save for other goals while still meeting our financial obligations.

Similarly, when we expense equipment or other assets, we can amortize the cost over its expected useful life, helping us to track and manage our assets more effectively. Amortization also helps us to avoid large one-time payments, which can be burdensome and difficult to budget for.

In conclusion, amortization is a useful tool in financial management that helps us to manage our cash flow and track our assets more effectively. It can reduce our financial burden and allow us to focus on other important aspects of our financial health.