quick depletion
迅速递减 precipitous decline
加速递减 multiplicative decrease
递减速数列 declining series
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这是普通贷款很有意思的特性，即贷款余额在起初减少的非常缓慢，但随着到期日的临近，便会加速递减。
So, that's a funny property of conventional mortgages -that the mortgage balance declines very slowly at first and then it falls rapidly when it comes to maturity.
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