term

T0115800 (tûrm)n.1. A limited or established period of time that something is supposed to last, as a school or court session, tenure in public office, or a prison sentence.2. a. A point in time at which something ends; termination: an apprenticeship nearing its term.b. The end of a normal gestation period: carried the fetus to term.c. A deadline, as for making a payment.3. Law a. A fixed period of time for which an estate is granted.b. An estate granted for a fixed period.4. a. A word or group of words having a particular meaning, especially in a specific field: I was baffled by the technical terms that the programmers were using.b. terms Language of a certain kind; chosen words: spoke in rather vague terms; praised him in glowing terms.5. often terms One of the elements of a proposed or concluded agreement; a condition: offered favorable peace terms; one of the terms of the lease; the terms of a divorce settlement.6. terms The relationship between two people or groups; personal footing: on good terms with her in-laws.7. Mathematics a. One of the quantities composing a ratio or fraction or forming a series.b. One of the quantities connected by addition or subtraction signs in an equation; a member.8. Logic Each of the two concepts being compared or related in a proposition.9. a. A stone or post marking a boundary, especially a squared and downward-tapering pillar adorned with a head and upper torso.b. An architectural or decorative motif resembling such a marker.tr.v. termed, term·ing, terms To designate; call.Idiom: in terms of1. As measured or indicated by; in units of: distances expressed in terms of kilometers as well as miles; cheap entertainment, but costly in terms of time wasted.2. In relation to; with reference to: "narcissistic parents who ... interpret their child's experience entirely in terms of their own history" (Richard Weissbourd).

[Middle English terme, from Old French, from Latin terminus, boundary. N., senses 4-8, from Middle English, from Medieval Latin terminus, from Late Latin, mathematical or logical term, from Latin, boundary, limit.]

term

(tɜːm) n1. a name, expression, or word used for some particular thing, esp in a specialized field of knowledge: a medical term. 2. any word or expression3. a limited period of time: his second term of office; a prison term. 4. (Education) any of the divisions of the academic year during which a school, college, etc, is in session5. a point in time determined for an event or for the end of a period6. (Gynaecology & Obstetrics) Also called: full term the period at which childbirth is imminent7. (Law) law a. an estate or interest in land limited to run for a specified period: a term of years. b. the duration of an estate, etcc. (formerly) a period of time during which sessions of courts of law were heldd. time allowed to a debtor to settle8. (Mathematics) maths either of the expressions the ratio of which is a fraction or proportion, any of the separate elements of a sequence, or any of the individual addends of a polynomial or series9. (Logic) logic a. the word or phrase that forms either the subject or predicate of a propositionb. a name or variable, as opposed to a predicatec. one of the relata of a relationd. any of the three subjects or predicates occurring in a syllogism10. (Architecture) architect Also called: terminal, terminus or terminal figure a sculptured post, esp one in the form of an armless bust or an animal on the top of a square pillar11. (Australian Rules Football) Australian rules football the usual word for quarter¹⁰12. archaic a boundary or limitvb (tr) to designate; call: he was termed a thief. [C13: from Old French terme, from Latin terminus end] ˈtermly adv

term

(tɜrm)

n. 1. a word or group of words designating something, esp. in a particular field: the term atom in physics. 2. any word or group of words considered as a member of a construction or utterance. 3. the time or period through which something lasts. 4. a period of time to which limits have been set: a one-year term of office. 5. one of two or more divisions of a school year. 6. an appointed or set time or date, as for the payment of rent, interest, etc. 7. terms, a. conditions with regard to payment, price, rates, etc.: reasonable terms. b. conditions or stipulations limiting what is proposed to be granted or done: the terms of a treaty. c. footing or standing; relations: on good terms with someone. 8. each of the members of which a mathematical expression, a series of quantities, or the like, is composed. 9. (in logic) a. the subject or predicate of a categorical proposition. b. the word or expression denoting such a subject or predicate. 10. a herm. 11. Law. a. an estate, property, etc., to be enjoyed for a specified period. b. the duration of such a period. c. the period when a court is in session. 12. completion of pregnancy. v.t. 13. to apply a particular term or name to; designate. Idioms: 1. bring to terms, to force to agree to stated demands or conditions. 2. come to terms, to reach an agreement. 3. in terms of, with regard to; concerning. [1175–1225; Middle English terme < Old French < Latin terminus boundary, limit, end; akin to Greek térmōn limit]

term.

1. terminal. 2. termination.

term

(tûrm) Mathematics 1. Each of the quantities or expressions that form the parts of a ratio or the numerator and denominator of a fraction.2. Any of the quantities in an equation that are connected to other quantities by a plus sign or a minus sign.

term

semester">semester quarter">quarter1. 'term'

At a British school, each year is divided into three terms. At an American school, it is divided into four terms.

...the summer term.2. 'semester'

At a British college or university, each year is also divided into three terms.

At an American college or university, it is divided into two semesters, three trimesters, or four quarters.

The first semester starts in three weeks.

term

Past participle: termed
Gerund: terming

Imperative
term
term

Present
I term
you term
he/she/it terms
we term
you term
they term

Preterite
I termed
you termed
he/she/it termed
we termed
you termed
they termed

Present Continuous
I am terming
you are terming
he/she/it is terming
we are terming
you are terming
they are terming

Present Perfect
I have termed
you have termed
he/she/it has termed
we have termed
you have termed
they have termed

Past Continuous
I was terming
you were terming
he/she/it was terming
we were terming
you were terming
they were terming

Past Perfect
I had termed
you had termed
he/she/it had termed
we had termed
you had termed
they had termed

Future
I will term
you will term
he/she/it will term
we will term
you will term
they will term

Future Perfect
I will have termed
you will have termed
he/she/it will have termed
we will have termed
you will have termed
they will have termed

Future Continuous
I will be terming
you will be terming
he/she/it will be terming
we will be terming
you will be terming
they will be terming

Present Perfect Continuous
I have been terming
you have been terming
he/she/it has been terming
we have been terming
you have been terming
they have been terming

Future Perfect Continuous
I will have been terming
you will have been terming
he/she/it will have been terming
we will have been terming
you will have been terming
they will have been terming

Past Perfect Continuous
I had been terming
you had been terming
he/she/it had been terming
we had been terming
you had been terming
they had been terming

Conditional
I would term
you would term
he/she/it would term
we would term
you would term
they would term

Past Conditional
I would have termed
you would have termed
he/she/it would have termed
we would have termed
you would have termed
they would have termed

term

(academic) trimester or semester

Thesaurus

Noun	1.	term - a word or expression used for some particular thing; "he learned many medical terms"word - a unit of language that native speakers can identify; "words are the blocks from which sentences are made"; "he hardly said ten words all morning"referent - something that refers; a term that refers to another term
	2.	term - a limited period of time; "a prison term"; "he left school before the end of term"period, period of time, time period - an amount of time; "a time period of 30 years"; "hastened the period of time of his recovery"; "Picasso's blue period"prison term, sentence, time - the period of time a prisoner is imprisoned; "he served a prison term of 15 months"; "his sentence was 5 to 10 years"; "he is doing time in the county jail"academic session, academic term, school term, session - the time during which a school holds classes; "they had to shorten the school term"midterm - middle of an academic term or a political term in officeincumbency, tenure, term of office - the term during which some position is held
	3.	term - (usually plural) a statement of what is required as part of an agreement; "the contract set out the conditions of the lease"; "the terms of the treaty were generous"conditionplural, plural form - the form of a word that is used to denote more than onestatement - a message that is stated or declared; a communication (oral or written) setting forth particulars or facts etc; "according to his statement he was in London on that day"agreement, understanding - the statement (oral or written) of an exchange of promises; "they had an agreement that they would not interfere in each other's business"; "there was an understanding between management and the workers"
	4.	term - any distinct quantity contained in a polynomial; "the general term of an algebraic equation of the n-th degree"quantity - the concept that something has a magnitude and can be represented in mathematical expressions by a constant or a variable
	5.	term - one of the substantive phrases in a logical proposition; "the major term of a syllogism must occur twice"subject - (logic) the first term of a propositiongrammatical constituent, constituent - (grammar) a word or phrase or clause forming part of a larger grammatical constructionpredicate - (logic) what is predicated of the subject of a proposition; the second term in a proposition is predicated of the first term by means of the copula; "`Socrates is a man' predicates manhood of Socrates"referent - the first term in a proposition; the term to which other terms relaterelatum - a term in a proposition that is related to the referent of the propositionproposition - (logic) a statement that affirms or denies something and is either true or falsecategorem, categoreme - a categorematic expression; a term capable of standing alone as the subject or predicate of a logical proposition; "names are called categorems"major term - the term in a syllogism that is the predicate of the conclusionminor term - the term in a syllogism that is the subject of the conclusionmiddle term - the term in a syllogism that is common to both premises and excluded from the conclusion
	6.	term - the end of gestation or point at which birth is imminent; "a healthy baby born at full term"full termpoint in time, point - an instant of time; "at that point I had to leave"gestation, gestation period - the period during which an embryo develops (about 266 days in humans)
	7.	term - (architecture) a statue or a human bust or an animal carved out of the top of a square pillar; originally used as a boundary marker in ancient Rometerminal figure, terminusstatue - a sculpture representing a human or animalarchitecture - the discipline dealing with the principles of design and construction and ornamentation of fine buildings; "architecture and eloquence are mixed arts whose end is sometimes beauty and sometimes use"
Verb	1.	term - name formally or designate with a termcall, name - assign a specified (usually proper) proper name to; "They named their son David"; "The new school was named after the famous Civil Rights leader"

term

noun1. word, name, expression, title, label, phrase, denomination, designation, appellation, locution What's the medical term for a heart attack?2. session, course, quarter (U.S.), semester, trimester (U.S.) the summer term3. period, time, spell, while, season, space, interval, span, duration, incumbency a 12 month term of service4. conclusion, end, close, finish, culmination, fruition Older women are just as capable of carrying a baby to term.plural noun1. language, terminology, phraseology, manner of speaking The video explains in simple terms how the tax works.2. conditions, particulars, provisions, provisos, stipulations, qualifications, premises (Law), specifications the terms of the Helsinki agreement3. relationship, standing, footing, relations, position, status We shook hands and parted on good terms.4. price, rates, charges, fee, payment They provide favourable terms to shops that invest in their services.verb1. call, name, label, style, entitle, tag, dub, designate, describe as, denominate He had been termed a temporary employee.come to terms come to an agreement, reach agreement, come to an understanding, conclude agreement Even if they came to terms, investors would object to the merger.come to terms with something learn to live with, come to accept, be reconciled to, reach acceptance of She had come to terms with the fact that she would always be ill.in terms of with regard to, concerning, regarding, as to, in connection with, in respect of, as regards, with reference to, in the matter of Our goods compete well in terms of quality and reliability.Usage: Many people object to the use of in terms of as an all-purpose preposition replacing phrases such as `as regards', `about', and so forth in a context such as the following: in terms of trends in smoking habits, there is good news. They would maintain that in strict usage it should be used to specify a relationship, as in: obesity is defined in terms of body mass index, which involves a bit of cumbersome maths. Nevertheless, despite objections, it is very commonly used as a link word, particularly in speech.

term

noun1. A limited or specific period of time during which something happens, lasts, or extends:duration, span, stretch, time.2. The period during which someone or something exists:day (often used in plural), duration, existence, life, lifetime, span.3. A specific length of time characterized by the occurrence of certain conditions or events:period, season, span, stretch.4. A sound or combination of sounds that symbolizes and communicates a meaning:expression, locution, word.5. A restricting or modifying element.Often used in plural:condition, provision, proviso, qualification, reservation, specification, stipulation.Informal: string (often used in plural).6. An established position from which to operate or deal with others.Often used in plural:basis, footing, status.verb1. To describe with a word or term:call, characterize, designate, label, name, style, tag.2. To give a name or title to:baptize, call, christen, denominate, designate, dub, entitle, name, style, title.

Translations

学期期限术语词语

term

(təːm) noun1. a (usually limited) period of time. a term of imprisonment; a term of office.期限2. a division of a school or university year. the autumn term.学期3. a word or expression. Myopia is a medical term for short-sightedness.术语terms noun plural1. the rules or conditions of an agreement or bargain. They had a meeting to arrange terms for an agreement. 条件，条款 2. fixed charges (for work, service etc). The firms sent us a list of their terms. 费用，价格 3. a relationship between people. They are on bad/friendly terms.关系 verb to name or call. That kind of painting is termed `abstract'.把...叫作come to terms1. to reach an agreement or understanding. They came to terms with the enemy.达成协议2. to find a way of living with or tolerating (some personal trouble or difficulty). He managed to come to terms with his illness. 屈服，容忍 in terms of using as a means of expression, a means of assessing value etc. He thought of everything in terms of money.按照

term

→ 学期zhCN, 词语zhCN

Term

The period of time during which a contract is in force.

Term

1. The period of time during which a fixed-income security, investment, or agreement is in force. For example, term life insurance lasts only for a certain number of years. The exact number of years is called the term.

2. The period of time during which an individual serves in an office. For example, a member of a board of directors may serve a term of two years.

term

1. The period during which a bond will remain outstanding.2. The length of time that a person is to serve in a usually official capacity. For example, a firm's directors may be elected for terms of three years each.

Term.

A term is the length of time between when a fixed-income security, such as a bond or note, is offered for sale and its maturity date.

When the term ends, the issuer repays the par value of the security, often along with the final interest payment. In general, the longer the term, the higher the rate of interest the investment pays, to offset the increased risk of tying up your money for a longer period of time.

Term is also the lifespan of a certificate of deposit (CD), called a time deposit. If you hold a CD for the entire term, which may run from six months to five years, you collect the full amount of interest the CD has paid during the term and are free to roll the principal into a new CD or use the money for something else.

term

The life of a loan.

Term

The period used to calculate the monthly mortgage payment.

The term is usually but not always the same as the maturity, which is the period over which the loan balance must be paid in full. On a seven-year balloon loan, for example, the maturity is seven years but the term in most cases is 30 years.

Selecting the Term:

Impact on Monthly Payment: The longer the term, the lower the mortgage payment but the slower the growth of equity. Borrowers who want to make their payments as small as possible select the longest term available. The reduction in payment from lengthening the term, however, becomes less and less effective as the term gets longer. This is illustrated in the table at the top of the next page, which shows the mortgage payment on a $100,000 loan at various interest rates and terms.

For example, at 6% extending the term from 10 years to 20 years reduces the payment by $394, but extending it to 30 years and 40 years reduces the payment by only $116 and $50, respectively. The furthest you can possibly go in extending the term is to infinity, which is an interest-only loan—you never repay any part of the loan. On a 6% loan, the monthly interest is $500, only $50 less than the payment at 40 years.

Extending the term to reduce the payment also becomes less effective at higher interest rates. For example, at 6% extending the term from 20 to 30 years reduces the payment by $116, but at 12% the reduction is only $72. (See the first table.)

Impact on Equity Growth: Borrowers who want to build equity in their home as quickly as possible select the shortest term they can afford. As illustrated in the table in the middle of the next page, the shorter the term, the more rapid the increase in equity. For example, after 10 years the borrower with a 15-year term at 7% has repaid 54.6% of the original balance, whereas the borrower with a 30-year term at the same rate has repaid only 14.2% of the balance. Since 15-year loans usually carry a lower rate than 30-year loans, this understates the difference in the rate of equity buildup.

Interest Rate Differences: The two most common terms are 30 years and 15 years. 15-year FRMs typically carry interest rates from .25% to .50% below those on comparable 30-year FRMs. This rate difference strengthens the case for the 15 by reducing the payment advantage of the 30 and increasing the advantage of the 15 in the rate at which equity grows.

But note that 10-year terms may not carry rates below 15s and the rates on 20s and 25s are likely to be closer to those on 30s than to those on 15s.

Shorter Term Versus Extra Payments: A borrower can always shorten the realized term of a mortgage by making extra payments. For example, a borrower who selects a 15-year loan but wants to pay it off in 10 years can make an extra payment every month to bring the payment to what it would be on a 10. Assuming the interest rate is the same, the outcome is the same.

For example, the monthly payment on a $100,000 loan at 6% for 15 years is $843.86. On a 10-year loan at the same rate, it is $1,110.21. If you take the 15-year loan and make an extra payment every month equal to the $266.35 difference, you will pay it off in 10 years.

This is hardly surprising, since the sum of $843.86 and $266.35 is $1,110.21, which is the payment on the 10-year loan. The extra payment in effect converts the 15-year loan into a 10-year loan.

There is one difference, however, between the 10-year loan and the 15-year loan with the extra payment. With the 10-year loan,
$1,110.21 is the Scheduled Payment, the amount you are obliged to pay every month. With the 15-year loan, the scheduled payment is only $843.86; the extra payment of $266.35 is optional. Which is better for you depends on whether you attach greater value to discipline or to flexibility.

You can't apply this logic to the selection of a 30 versus a 15, however, because the 15 has a lower rate. If you convert a 30 into a 15 by making an extra payment, you will pay more than you would have by selecting a 15 at the outset.

Investing Excess Cash Flow on the 30: Most borrowers electing a 30-year term do it because they can't afford the monthly payment on a shorter term. Some elect the 30-year term, however, because they plan to invest the difference in payment. There is nothing wrong with this, provided they understand how much they must earn on other investments to make it a paying strategy. The yield on other investments must exceed the yield on investment in the shorter term, which is generally high.

An investment in a shorter-term mortgage is a little different than most other investments. Typically, an investment consists of a lump sum paid out at the beginning and the return is a series of payments received over time. This is the way it is, for example, with an investment in a deposit or bond.

By contrast, when you invest in a shorter-term mortgage, your investment is a series of payments equal to the difference between the monthly payment at the shorter term and the payment at a longer term. And the return is a lump sum, equal to the larger pro-
ceeds you receive at time of sale because of the smaller loan balance that must be repaid at the end of the period.

Let's say you are borrowing $100,000 and choosing between a 30-year fixed-rate mortgage (FRM) at 7.5% and a 15-year FRM at 7.125%. The .375% difference is typical. Monthly payments of principal and interest are $699.22 for the 30-year loan and $905.84 for the 15-year. The difference is $206.62 each month. That's your investment.

You expect to stay in your home seven years. At that point, the balance of the 30-year loan will be $91,833 and the balance of the 15-year loan will be $66,137, for a difference of $25,696. That's your return. On an annual basis, it amounts to 10.72%. If the difference in interest rate had been greater than .375%, the return on investment would be higher, and vice versa.

The calculation above assumes the interest rate is the only difference between the two loans. But if the down payment you expect to make is less than 20%, you will have to pay for mortgage insurance, and the premiums are higher on the 30-year loan. This increases the return on the 15-year loan considerably. If you anticipate paying 5% down, for example, the higher premium on the 30-year FRM will raise the seven-year return on the 15 from 10.72% to 15.74%.

An important feature of this type of investment is that the return is inversely related to how long you expect to have the mortgage. If you remain three years instead of seven, for example, the return on your investment in the case without mortgage insurance rises from 10.72% to 16.21%. If you remain for 15 years, the return falls to 8.60%. That's because you must wait 15 years to realize the return.

Calculator 15a on my Web site lets you calculate the return on your own deal. You enter two terms, their interest rates, your anticipated down payment and your expected period in the house. The calculator determines your rate of return.

Staying on Schedule When Refinancing: Some borrowers want to refinance while staying on the same amortization schedule. For example, they took out a mortgage seven years ago that has 23 years to run and they want to stay on that schedule, rather than start with a new 30-year schedule.

Lenders won't ordinarily make a 23-year loan. The best option, therefore, is to refinance for 30 years, but increase the payment by the exact amount required to amortize over 23—or any other period you wish. Use calculator 2c on my Web site. You tell the calculator when you want the loan to pay off, and it will tell you the extra payment required to do it.

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terminal figure, terminal statue

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Patient discussion about term

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Synonyms for term

noun word

Synonyms

noun session

Synonyms

noun period

Synonyms

noun conclusion

Synonyms

noun language

Synonyms

noun conditions

Synonyms

noun relationship

Synonyms

noun price

Synonyms

verb call

Synonyms

phrase come to terms

Synonyms

phrase come to terms with something

Synonyms

phrase in terms of

Synonyms

Synonyms for term

noun a limited or specific period of time during which something happens, lasts, or extends

Synonyms

noun the period during which someone or something exists

Synonyms

noun a specific length of time characterized by the occurrence of certain conditions or events

Synonyms

noun a sound or combination of sounds that symbolizes and communicates a meaning

Synonyms

noun a restricting or modifying element

Synonyms

noun an established position from which to operate or deal with others

Synonyms

verb to describe with a word or term

Synonyms