The most common and most likely answer to this crossword clue is the 12 letter word AMORTISATION
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The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does AMORTISATION mean?
AMORTISATION noun- The reduction of loan principal over a series of payments.
- The distribution of the cost of an intangible asset, such as an intellectual property right, over the projected useful life of the asset.