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**Kenapa disebut kewajiban jangka panjang?** Karena pembayaran utang ini tidak akan lunas dalam waktu satu tahun. Pembayaran dilakukan secara berkala, biasanya setiap bulan, yang terdiri dari pembayaran pokok pinjaman dan bunga. Jumlah pembayaran yang harus dilakukan setiap periode biasanya sudah ditetapkan di awal berdasarkan **jadwal pembayaran (amortization schedule)** yang disepakati. **Amortization schedule** ini sangat penting karena memberikan gambaran rinci mengenai jumlah pembayaran pokok dan bunga yang harus dibayarkan setiap periode, serta saldo pokok pinjaman yang tersisa.
