借方在定期支付房屋贷款付款之外一次性缴纳的款项，用以降低贷款本金额。
Monthly principal and interest payment based on your original mortgage amount, term and interest rate.
要计算抵押贷款的偿还金额，利率、本金和付款额应分别选用哪种类型？解释你选择的理由。
To calculate a mortgage payment, what types would you use for the rate, principal, and payment? Explain why you selected each type.
单利的计算取决于所借款项或贷款的金额（本金），资金借用时间的长短及市场一般利率水平等因素。
The cost of borrowing, or the return on lending money. It is calculated on the amount borrowed or lent(the principal), the length of time the funds are borrowed for, …
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