分期付款與押金的英文千萬別搞錯了喔！ - 動腦雜誌

《Down Payment and Deposit》 （文╱Robert Tolmasoff）The terms “down payment” and “deposit” can be easily confused or misused.  作者：RobertTolmasoff 更新時間：2014-11-2800:00 sharetoFacebook sharetoLine 分期付款與押金的英文　千萬別搞錯了喔！ RobertTolmasoff （2014-11-28）【行銷人的英文課】處理金融財務時，搞錯款項的英文，可能會導致金錢損失，哪兩個名詞值得再看清楚一次？ 《DownPaymentandDeposit》 （文╱RobertTolmasoff）Theterms“downpayment”and“deposit”canbeeasilyconfusedormisused.Confusingthesetwotermscouldleadtoacostlymisunderstandingaboutthefinancialtermsofapurchase. First,let’stakealookat“downpayment”.Technically,adownpaymentismadetosecurealoanforalargepurchase,withapromisetopaytherestoftheloanininstallmentsatalatertime.A“downpayment”isalwaysmadeatthetimeofthepurchaseandisnotrefundable. Asconsumers,weoftenmakedownpaymentsforamortgagetobuyahouse,orforaloantobuyacar.Iftheconsumerfailstofulfillthetermsoftheloan,theholderoftheloan,typicallyabank,canforecloseonapropertysuchasahouse,orrepossessacarandreselltheitemtotrytorecoupthelossoftheoriginalloan. Belowaresomeexamplesofhowtouse“downpayment”correctly. O:Thebankrequiresa20%downpaymenttosecureamortgagefortheapartment. O:Weboughtthecarwithasmalldownpaymentandatwo-yearloan. A“deposit”isalsoanamountofmoneyusedtosecureapurchaseofagoodorservice.“Deposits”areoftenrequiredforsmallerpurchasesandfortryingreserveaproductorservicethatisinhighdemand.Forexample,ifyouwantedtoorderapopularnewmobilephone,theretailermayaskyouforadeposittoputyournameonthewaitinglist. Whilea“downpayment”isnotrefundable,a“deposit”mayormaynotberefundable.Itisimportanttounderstandifthedepositcanberecoveredifyouchangeyourmindanddecidenottopurchasetheitemorservice. Depositsarecommoninmanypurchasingsituations,forexample,hotelsreservations,placinganorderforgoodsthatrequiremanufacturing,andforpopulargoodsorservices. Anotheruseof“deposit”istoensurethereturnofarentedproduct,suchasaDVD.Thedepositisreturnedwhentheitemisreturned. Belowaresomeexamplesofthecorrectuseof“deposit”. O:A20%non-refundabledepositisrequiredtosecurethereservation. O:Customerswhowishtoorderthenewphonemustplacearefundabledeposittogetonthewaitinglist. *RobertTolmasoffisatrainer,editor,andauthorbasedinTaipei.Hisclientsincludeinternationalcompaniesaswellasindividualslookingtosharpentheircommunicationsskills.Robert’slasttwobooks,上班族完美英文e-mail輕鬆寫and1000EssentialBusinessEnglishTerms,areavailableinbooksstoresandfromMcGraw-HillTaiwan.Haveideasforfuturecolumnsorquestions?EmailRobertatrtlmsff@gmail.com 　 sharetoFacebook sharetoLine 　 　 2021年12月548期《共好消費時代來臨》 原價:NT$180 優惠價:NT$180 詳細介紹 2022消費大趨勢論壇 2022消費大趨勢論壇 原價:NT$5000 優惠價:NT$3500 詳細介紹 HOTNEWS 交換禮物送什麼？百大聖誕交換禮物排行榜大公開！ 新品一上市就狂賣萬份！「怪獸」用發票活動引燃購買狂潮 全球首家NFT鹹酥雞店！師園鹹酥雞上架OurSong 2021年十個熱門趨勢！（下）從個人、環境、媒體到科技不能不知的大事件 JINS、Owndays爭快時尚眼鏡市場霸主面對「眼鏡市場」卻危機重重 2021金句獎評選結果出爐！ 2020台灣年度12大創意廣告 防疫不出門watashi+資生堂集團美妝網用AI讀心術收買猶豫客 「記得袋」新桌遊響應限塑潮流 話題行銷：用微笑和全世界年輕人做朋友 動腦雜誌 N