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We're building a payment network that can't go down because if we go down, we lose money for one of our users.
我们开发不会走下坡路的付款网络,因为如果我们走下坡路了，我们会会为我们的客户带来损失。
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And a lot of retailers out there are embarrassed by the receipts they give out and the whole payment processing aspect of their business.
很多零售商在生意上,因为在收据,和整个付款过程上的落后,而处境尴尬。
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That would be like a quarter of 1% to postpone your payment by another year; so time was really cheap.
也就是说只需要付1%的1/4就能,延迟一年还款,时间的价值很低
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And get rid of this balloon payment thing at the end -that was a dumb idea.
并取消了期末大额偿还的还款方式,期末大额偿还是很愚蠢的做法
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A real-time hook off that payment goes back to that sort of visualization.
即时摘机付款,回归可视化。
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What is the present value of that? Well, the first-- each payment we'll call a coupon-- so it pays one pound one year from now.
那么它的现值又是多少呢,首先,每一次支付的数额称为一个券息,从现在开始每一年都要支付一英镑
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It used to be that mortgages had what's called a balloon payment at the end.
曾有一段时间,抵押贷款中有期末大额偿还制度
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When you first buy a house most of your payment is going to interest.
在贷款的初期,你偿还的主要是利息
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Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.
而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息
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It's much better to pay a fixed payment and then you're done.
最好就是支付了规定的数额就好
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But if most people who are good borrowers, who know what they're doing, want these, they want a conventional thirty-year mortgage because it will fix a mortgage payment for the rest of the thirty years and you have nothing to worry about.
但是如果大多数人是优质借款人,他们知道自己在做什么,他们会选择普通30年期抵押贷款,因为在剩余的30年时间里,抵押贷款的偿付是固定的,你不需要为它担心
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