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Amortization is a fundamental concept in financial accounting and lending, referring to the process of spreading an intangible asset's cost or a loan's principal value over a period. This paper explores the mathematical mechanics of amortization schedules, contrasting straight-line and declining-balance methods. It highlights how amortization affects the "hot" liquidity of assets and the long-term financial health of institutions. The study concludes that while amortization manages risk, it requires careful cash flow analysis to avoid "payment shock" in variable-rate scenarios.