由于业主本次工程款全额支付美金，考虑到整个付款周期跨度较长及汇率浮动的因素，本司建议每个阶段的工程款按照当日银行规定的汇率进行兑换支付。

In view of this project payment in US Dollar, a long payment period and flexiable exchange rate, I propose that every payment should be effected according to the actual exchange rate on that day.

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列清楚你的账目，包括账单周期，付款日期，收支平衡情况。

List all your accounts, including billing cycles, due dates, balances, and interest rates.

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一种周期性付款到期前不足摊还面额的贷款，所以称作“气球”的本金额到期时需要一次付清。

A note calling for periodic payments which are insufficient to fully amortize the face amount of the note prior to maturity, so that a principal sum known as a "balloon" is due at maturity.

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