中文：

到期利息是指借款人向贷款人支付的利息金额，在贷款到期时支付。这是借款人使用贷款所需要付出的代价之一，也是贷款人提供资金所应获得的收益。

到期利息的计算方式可以根据不同的贷款类型和利率而有所不同。一般来说，到期利息是按照借款金额和借款时间来计算的。贷款的利率越高，借款时间越长，借款人需要支付的到期利息也就越多。

到期利息通常在贷款到期时一次性支付给贷款人。在某些情况下，借款人可以选择分期支付到期利息，但这种选择通常会收取额外的手续费。

到期利息的作用是平衡借贷双方的利益，同时也是对贷款人提供资金的一种补偿。通过到期利息的支付，借款人可以获得更多的资金支持，而贷款人也能够获得相应的收益回报。

英文：

The due interest refers to the amount of interest paid by the borrower to the lender upon the expiration of the loan. This is one of the costs incurred by the borrower for using the loan and the benefit that the lender should receive for providing funds.

The calculation method of due interest may vary depending on the type of loan and interest rates. Generally speaking, due interest is calculated based on the borrowing amount and borrowing time. The higher the interest rate of the loan and the longer the borrowing time, the more due interest the borrower needs to pay.

The due interest is usually paid to the lender in a lump sum upon the expiration of the loan. In some cases, the borrower can choose to pay the due interest in installments, but this option usually charges additional fees.

The function of due interest is to balance the interests of both parties to the loan and compensate the lender for providing funds. Through paying due interest, the borrower can obtain more financial support, while the lender can obtain corresponding returns on investment.