De jaarafrekening noemt het vaste tarief en het termijnbedrag.

Dutch forms compound nouns very readily, much more often than English does.

• jaar = year
• afrekening = settlement / final bill / account statement

Together, jaarafrekening means something like annual settlement statement or year-end bill.

In Dutch, these parts are normally written as one word, not as separate words. This is very common:

• waterrekening = water bill
• energiebedrijf = energy company
• termijnbedrag = installment amount

So for an English speaker, one of the big habits to learn is: if English would often use several nouns together, Dutch will often turn them into a single compound noun.

Dutch nouns have grammatical gender, and in modern Dutch that mostly shows up as choosing either de or het.

In this sentence:

• de jaarafrekening → jaarafrekening is a de-word
• het tarief → tarief is a het-word
• het termijnbedrag → termijnbedrag is also a het-word

Unfortunately, there is not always a simple rule that lets you predict whether a noun takes de or het, so you often have to learn it with the noun itself.

A useful habit is to memorize nouns with their article:

• de jaarafrekening
• het tarief
• het bedrag

Since termijnbedrag ends in bedrag, it is also het termijnbedrag.

This is because Dutch adjectives usually take an -e ending when they come before a noun with a definite article such as de or het.

Here you have:

• het vaste tarief

So the adjective vast becomes vaste.

Compare:

• een vast tarief = an fixed rate / a fixed rate
• het vaste tarief = the fixed rate

This is a very common pattern in Dutch:

• een groot huis → het grote huis
• een duur product → het dure product

So in your sentence, vaste is the expected form because the noun phrase is definite: het vaste tarief.

Literally, noemen often means to call or to name, but in this sentence it is being used in a broader sense: to mention, to state, or to list.

So here, De jaarafrekening noemt... means that the annual statement mentions or states those items.

That is important because English learners may first think:

• noemen = to name

And that is true in many contexts, but here the meaning is closer to:

• The annual statement mentions the fixed rate and the installment amount.

A more formal Dutch verb in this kind of context could also be vermeldt:

• De jaarafrekening vermeldt het vaste tarief en het termijnbedrag.

That would sound a bit more formal or administrative.

This follows the basic Dutch main-clause word order rule: the finite verb usually comes in second position.

The sentence is:

• De jaarafrekening = subject
• noemt = finite verb
• het vaste tarief en het termijnbedrag = object

So the structure is:

Subject + verb + object

This is similar to normal English word order here. Dutch is often called a V2 language, meaning the finite verb comes second in main clauses.

Examples:

• De brief noemt de kosten.
• Vandaag noemt de brief de kosten.

In the second example, Vandaag takes first position, so the verb still stays second:

• Vandaag noemt de brief de kosten.

Noemt is the third person singular present tense of the verb noemen.

Conjugation:

• ik noem = I mention / call
• jij noemt = you mention / call
• hij/zij/het noemt = he/she/it mentions / calls

In your sentence, the subject is de jaarafrekening, which is grammatically third person singular, so the verb is noemt.

So:

• De jaarafrekening noemt ... not
• De jaarafrekening noemen ...

Termijnbedrag is another compound noun:

• termijn = term / installment period
• bedrag = amount

So termijnbedrag means the amount for each payment period, often an installment amount or periodic payment amount.

In practical billing language, it often refers to the amount you pay regularly, such as monthly, before the final yearly adjustment.

For example:

• You pay a monthly estimated amount during the year.
• At the end of the year, you get a jaarafrekening.
• That statement may mention both the vaste tarief and the termijnbedrag.

So termijnbedrag is not just any amount; it usually refers to a scheduled periodic payment.

They are related, but not the same.

• tarief = rate, fee, or charge
• bedrag = amount or sum of money

So:

• het vaste tarief = the fixed rate / fixed fee
• het termijnbedrag = the installment amount / periodic payment amount

A tarief is more like the pricing rule or charge. A bedrag is the actual money amount.

For example:

• A company may have a vast tarief for a service.
• Your bill may show a monthly termijnbedrag based on that and other factors.

Because these are two separate noun phrases being coordinated:

• het vaste tarief
• het termijnbedrag

In Dutch, it is completely normal to repeat the article when listing two separate items, especially when each noun phrase stands on its own.

This is the clearest and most natural version:

• het vaste tarief en het termijnbedrag

If you leave out the second article, the sentence may sound less natural or may suggest a tighter grouping than intended.

So repeating het helps clearly show that the annual statement mentions two distinct things.

Yes. The plural is:

• de jaarafrekeningen

So:

• singular: de jaarafrekening
• plural: de jaarafrekeningen

Like most plural nouns in Dutch, the plural takes de.

Examples:

• De jaarafrekening noemt het vaste tarief.
• De jaarafrekeningen noemen het vaste tarief.

Notice that the verb changes too:

• singular subject → noemt
• plural subject → noemen

The sentence is understandable, but in administrative Dutch, a slightly more typical verb might be vermeldt rather than noemt.

For example:

• De jaarafrekening vermeldt het vaste tarief en het termijnbedrag.

That often sounds a bit more like official billing language.

Still, noemt is not wrong; it just feels a little more general. A learner should know that Dutch often has several possible verbs here, including:

• noemt = mentions
• vermeldt = states / lists / mentions formally
• geeft ... aan = indicates

So the original sentence is grammatically fine, but vermeldt may feel more typical in formal documents.