Splácíme

Splácíme is a Czech verb form that translates roughly as “we repay” or “we are paying off.” It is the first-person plural present tense of the verb splácet, which means to repay, pay off, or settle a debt, typically in installments. The term is used when describing ongoing debt repayment by a group that includes the speaker, such as a household or a company paying back borrowed funds.

Related nouns include splátka (an installment) and splácení (the act of repayment or amortization). Common constructions are Splácíme hypotéku (we are paying off the mortgage) and Splácíme dluh podle dohodnutého splátkového kalendáře (we are repaying the debt according to the agreed installment schedule). In financial contexts, splácení is often discussed alongside amortizace (amortization) and dluhová služba (debt service).

Usage and semantics: Splácení implies regular, scheduled payments intended to reduce both the principal and interest of a debt. The concept is central to personal finance, banking, and lending, and appears in loan agreements, budgeting guidance, and consumer education materials. The broader term splácet covers both the act of paying and the process of settling obligations over time.

Etymology: The verb belongs to a word family linked to splátka (installment) and platit (to pay). The form splácíme thus reflects standard Czech verb conjugation, with related forms such as splácím, splácíš, splácí, splácíte, and splácí.