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本金：指最初借入的金額。 這是藉款人從貸方收到並有義務償還的金額。利息：利息是藉款成本，以本金的百分比表示。 貸款人收取利息作為他們在貸款過程中承擔的風險的補償，也是賺取利潤的一種方式。 利率可以是固定的，這意味著在整個貸款期限內保持不變，也可以是可變的，這意味著它可以根據市場條件而變化。貸款期限：貸款期限是藉款人同意償    業主 貸款    還貸款的期限。 根據貸款類型和貸款人的政策，貸款條款可能會大不相同。 常見的貸款期限從幾個月到幾十年不等。還款時間表：概述借款人將如何償還貸款，包括還款頻率和每期還款金額。 還款可以每月、每季、每年或根據貸款人和借款人商定的其他時間表進行。抵押品：有些貸款需要抵押品，這是藉款人為獲得貸款而抵押的資產。 如果借款人未能依照協議條款償還貸款，貸款人可以扣押抵押品以彌補損失。 常見的抵押品類型包括房地產、車輛和金融資產。信用評分：貸款人在評估貸款申請時通常會考慮借款人的信用評分。 信用評分是基於個人信用歷史的個人信用度的數字表示，包括付款歷史、信用利用率、信用歷史長度和使用的信用類型等因素。...

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