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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Then to get the monthly payment, you take the square bracketed thing and you divide by the mortgage balance and that's the monthly payment; that's how it's calculated.

如果要算每月偿还额,你用贷款余额,除以这个方括号的值,这样就得出每月偿还额,这就是每月偿还额的计算方法

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