Self-amortizing means that you're not just paying the interest every year -or every month--you're paying interest plus principal.

分期偿还是指,每年或者每个月,你不仅偿还利息,还要偿还利息加上部分本金

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Then, in five years you had to come up with $5,000.

五年末再筹措5000美元偿还本金

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That's because, at the end, if- -suppose you're one month or two months away from the payoff of the mortgage, you don't have any balance left, so the interest that you're paying is -hardly any balance left--is very low and so you're payment is paying off principal, mostly.

这是因为,在最后,如果,假设你还剩1到2个月,就可以还清抵押贷款,那么剩下的贷款余额就很少了,因此你所需要付的利息,将会非常少,因为贷款余额几乎为零,此时你偿还的就主要是本金

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