“分期”的拼音为：fēn qī...

你可以一次付清或先付最低分期偿付款。You can pay it off or make a minimum repayment.贷款可在十年内分期偿还.The repayments of the loan are spread over 10 years.我去年在报纸上读过这故事的分期连载.I read instalments of the story in the newspaper last year....

“分期”的英语可以翻译为：y stages，divide into different period，periodization ...