§ What does 還款 mean and when do people use it?
Let's talk about 還款 (huánkuǎn). Simply put, it means 'repayment'. You'll hear this word a lot in daily life, especially when dealing with money, loans, or anything you owe back. It's a B1 level word, so it's quite common and useful to know.
- DEFINITION
- 還款 (huánkuǎn) is a noun meaning 'repayment'. It refers to the act of paying back money that was borrowed or owed.
Think about all the situations where you might need to pay money back. That's where 還款 comes in. It's not just about big bank loans. It could be something as simple as paying back a friend, or more formal like mortgage repayments or credit card bills. It's a very practical word in finance and everyday conversations.
You can use 還款 in various contexts:
- Credit card repayment: This is probably one of the most common uses. When your credit card bill arrives, you need to make a 還款.
- Loan repayment: Whether it's a personal loan, a car loan, or a business loan, the act of paying it back is 還款.
- Mortgage repayment: Paying back your home loan falls under 還款.
- Paying back a friend: While you might use simpler phrases for small amounts, for larger sums, you could still refer to it as 還款.
It's important to understand that 還款 focuses on the act of paying back, not just the money itself. The '還' (huán) part means 'to return' or 'to give back', and '款' (kuǎn) means 'money' or 'funds'. So, literally, it's 'return money'.
我需要按时还款，以免产生滞纳金。
This sentence translates to: I need to make the repayment on time to avoid late fees. Here, 還款 is used as a verb-object phrase, where 還 is the verb and 款 is the object, but as a single unit it functions as 'repayment'.
信用卡还款日是每个月的25号。
This means: The credit card repayment date is the 25th of every month. Here, 還款 acts as an adjective modifying '日' (day), specifying what kind of day it is.
So, whether you're talking about personal finance, business, or just settling a debt with a friend, 還款 is the go-to word for repayment. Mastering its usage will definitely help you navigate financial discussions in Chinese more confidently. Remember, punctuality in 還款 is often emphasized in Chinese culture and business practices.
Let's look at a few more examples to solidify your understanding:
他正在努力工作，争取早日完成房屋还款。
He is working hard, striving to complete the housing repayment early. This clearly shows 還款 in the context of a mortgage.
这个月我的汽车贷款还款是多少？
How much is my car loan repayment this month? Here, 還款 is a direct noun for the amount paid back.
In summary, 還款 is a versatile term for 'repayment'. It's essential for anyone dealing with borrowed money, from small personal debts to large financial commitments. Pay attention to how it's used in different sentences, and you'll quickly get the hang of it.
Practica en la vida real
Contextos reales
Loan repayment
- 办理还款 - process repayment
- 每月还款 - monthly repayment
- 提前还款 - early repayment
Credit card repayment
- 信用卡还款 - credit card repayment
- 还款日 - repayment date
- 最低还款额 - minimum repayment amount
Mortgage repayment
- 房贷还款 - mortgage repayment
- 还款计划 - repayment plan
- 等额本息还款 - equal installment repayment of principal and interest
Debt repayment
- 债务还款 - debt repayment
- 还款压力 - repayment pressure
- 无力还款 - unable to repay
Loan terms and conditions
- 还款方式 - repayment method
- 还款期限 - repayment period
- 逾期还款 - overdue repayment
Inicios de conversación
"你每个月都按时还款吗？ (Do you make your repayments on time every month?)"
"你觉得提前还款划算吗？ (Do you think early repayment is worthwhile?)"
"如果还款有困难，你会怎么做？ (What would you do if you had difficulty making repayments?)"
"你了解各种还款方式吗？ (Are you familiar with different repayment methods?)"
"你对信用卡的还款日有什么经验？ (What's your experience with credit card repayment dates?)"
Temas para diario
描述一次你办理还款的经历。 (Describe an experience you had processing a repayment.)
如果你有一笔贷款，你会选择哪种还款方式？为什么？ (If you had a loan, which repayment method would you choose? Why?)
你认为按时还款重要吗？为什么？ (Do you think it's important to repay on time? Why?)
谈谈你对提前还款的看法。 (Talk about your thoughts on early repayment.)
如果你发现自己无法还款，你会寻求什么帮助？ (If you found yourself unable to repay, what help would you seek?)
Ponte a prueba 72 preguntas
I need to make a repayment.
The repayment date is next week.
Did you complete the repayment?
Read this aloud:
银行要求我立即还款。
Focus: 还款 (huán kuǎn)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
我每个月都按时还款。
Focus: 按时 (àn shí)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
还款计划是什么？
Focus: 计划 (jì huà)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence means 'You need to make a repayment.' The basic structure is Subject + Verb + Object.
This means 'What is the repayment time?' '还款时间' (repayment time) acts as the subject, followed by the verb '是' (is) and the question word '什么' (what).
This sentence means 'Please go to the bank to repay.' '请' (please) comes first, followed by the verb phrase '去银行' (go to the bank) and then '还款' (repay).
银行提醒我，别忘了每月的信用卡___。
信用卡需要“还款”（repayment），而不是付款、存款或取款。
他因为没有按时___，导致信用受损。
没有按时“还款”（repay the loan）会导致信用受损。
这笔___的期限是三年。
“还款”（repayment）通常有期限。
她正在努力工作，希望能尽快完成房屋贷款的___。
房屋贷款需要“还款”（repayment），而不是购买、维修或装修。
请检查一下你的账单，确认所有___都已成功处理。
账单上会显示“还款”（repayments）的记录。
对不起，我暂时没有足够的钱进行这笔___。
如果钱不够，就无法进行“还款”（repayment）。
How much do you repay each month?
I need to repay as soon as possible.
What is the repayment date for this month?
Read this aloud:
我每个月都需要按时还款。
Focus: huan kuan
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
请问还款期限是多久？
Focus: huan kuan qi xian
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
她已经完成了所有的还款。
Focus: wan cheng le
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence means 'You need to repay.' It's a simple subject-verb-object structure.
This sentence means 'The repayment date is on the [number] of each month.' We put the time phrase '每月' (every month) first, then '还款日' (repayment date) as the subject, followed by '是' (is) and then the specific day.
This sentence asks 'Have you repaid this month's credit card repayment?' The structure is '这个月的信用卡还款' (this month's credit card repayment) as the object, '还了' (repaid) as the verb, and '吗' for the question.
银行提醒他，下周就是信用卡___日了。
信用卡需要定期'还款' (repayment)。'付钱' (pay money) 和 '支付' (pay) 更泛指一般的支付行为，'偿还' (repay) 也可以，但 '还款' 是与贷款或信用卡相关的常用词。
为了减轻经济压力，他申请了延长___期限。
这里指的是延长还钱的期限，通常指贷款或分期付款的 '还款' (repayment) 期限。'付款' (payment) 是支付钱的动作，'偿还' (repay) 也可以，但 '还款期限' (repayment period) 是固定搭配。
公司面临的最大挑战是如何按时完成所有___义务。
公司通常会有银行贷款或债券，所以会有 '还款' (repayment) 义务。'付款' (payment) 和 '支付' (pay) 是更一般的词。
尽管收入不多，她还是努力每月按时___助学贷款。
助学贷款需要定期 '还款' (repayment)。'偿付' (repay) 也可以，但 '还款' 在这种语境下更常见。'支付' (pay) 过于笼统，'付清' (pay off) 是指完全还清。
你最好在___日之前把钱存到账户里，否则会有罚款。
这里指的是银行贷款或信用卡账单的 '还款' (repayment) 日期。'到期' (due) 是一个形容词，不能直接作名词，'缴费' (pay fees) 指缴纳费用，'付款' (payment) 是一个动作。
他因为无法按时___，导致个人信用记录受损。
无法按时进行 '还款' (repayment) 会影响信用记录。虽然 '偿还' (repay) 意思相近，但 '还款' 在与信用记录相关的语境中更为常用和直接。
How much do you repay each month?
I need to repay this loan as soon as possible.
What is the repayment date, please?
Read this aloud:
还款计划是什么？
Focus: 还款 (huánkuǎn)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
我想提前还款。
Focus: 提前 (tíqián)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
还款方式可以选择吗？
Focus: 选择 (xuǎnzé)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence means 'He repays on time every month.' The standard word order is subject (他) + time (每月) + adverbial (按时) + verb/object (还款).
This sentence means 'The bank requires customers to repay as soon as possible.' The structure is Subject (银行) + Verb (要求) + Object (客户) + adverbial (尽快) + verb (还款).
This sentence means 'Due to economic difficulties, he cannot repay on time.' The causal clause (由于经济困难) comes first, followed by the main clause with subject (他) + adverbial (无法) + adverbial (按时) + verb (还款).
银行催促他尽快___拖欠的贷款。
“还款”特指偿还借贷的款项，与语境相符。
由于经济压力，他申请延长了信用卡___期限。
“还款期限”是偿还债务的截止日期，符合信用卡债务偿还的语境。
公司必须在月底前完成所有债券的___，否则将面临违约风险。
债券的“还款”指偿还本金和利息，符合金融语境。
他每个月都会按时进行房贷___，从不拖欠。
“房贷还款”是固定搭配，指偿还房屋贷款。
许多大学生毕业后都面临助学贷款的___压力。
“还款压力”指偿还贷款带来的经济负担，符合助学贷款的语境。
他计划通过投资获得收益，以加快个人债务的___速度。
“债务还款”是偿还欠款的意思，与语境吻合。
The correct order is '按时还款十分重要' (Àn shí huán kuǎn shífēn zhòngyào) which means 'Repaying on time is very important.'
The correct order is '你还需要一笔大额还款' (Nǐ hái xūyào yī bǐ dà'é huán kuǎn) which means 'You still need to make a large repayment.'
The correct order is '银行提供多种还款方式' (Yínháng tígōng duō zhǒng huán kuǎn fāngshì) which means 'The bank offers various repayment methods.'
银行催促他尽快完成房屋贷款的___。
Contextually, '还款' (repayment) is the most suitable word for a loan from a bank. '付款' means payment in general, '退款' means refund, and '汇款' means remittance.
由于经济困难，他向银行申请延长了汽车贷款的___期限。
The sentence talks about extending a period for a car loan. '还款' (repayment) refers to the act of paying back the loan, making it the correct choice. '借款' is borrowing, '存款' is deposit, and '取款' is withdrawal.
信用卡账单上显示，本月最低___金额为200元。
In the context of a credit card bill, '还款' (repayment) refers to the amount that needs to be paid back. '消费' is consumption, '透支' is overdraft, and '利息' is interest.
公司计划在年底前完成所有债务的___。
When discussing debt, '还款' (repayment) is the most precise term for paying it off. '结算' is settlement, '清算' is liquidation, and '支付' is general payment.
为了避免逾期，她设定了自动___功能，确保每月按时还款。
The phrase '确保每月按时还款' clearly indicates that the blank refers to a repayment function. '转账' is transfer, '充值' is top-up, and '提现' is cash withdrawal.
尽管经济压力很大，他依然坚持每月按时___助学贷款。
This sentence is about paying back a student loan, so '还款' (repayment) is the appropriate term. '捐款' is donation, '募捐' is fundraising, and '集资' is capital raising.
The company has approved my repayment plan.
The repayment period for this loan is five years.
I need to submit my repayment application as soon as possible.
Read this aloud:
你有没有了解过提前还款的政策？
Focus: 提前还款 (tíqián huánkuǎn)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
如果我逾期还款会有什么后果？
Focus: 逾期还款 (yúqī huánkuǎn)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
银行提供了多种灵活的还款方式。
Focus: 还款方式 (huánkuǎn fāngshì)
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
/ 72 correct
Perfect score!
Ejemplo
他每月按时进行贷款还款。
Contenido relacionado
Esta palabra en otros idiomas
Más palabras de money
数额
A2Amount; sum (of money or quantity).
有利可图的
B1Yielding profit or financial gain.
亏损的
B1Resulting in a financial loss.
本钱
A2Capital (for business).
股价
B1Stock price; the current price at which a stock is trading.
股票
A2stock, share
兑付
B2Cash (a check); honor (payment).
邮费
A2postage
票价
A2Ticket price; the cost of a ticket.
结账
A2to pay the bill
