贷款 در ۳۰ ثانیه
- Loan or to loan: A formal financial arrangement involving borrowing money from an institution with the obligation to repay it with interest over time.
- Versatile usage: Functions as both a noun (a loan) and a verb (to take out a loan), essential for discussions about major life purchases.
- Formal context: Distinct from informal borrowing ('借钱'), it implies legal contracts, credit checks, and institutional procedures in the Chinese financial system.
- Key associations: Frequently paired with terms like interest rates (利率), repayment (还款), and specific categories like mortgages (房贷) or student loans (助学贷款).
At its core, 贷款 (dàikuǎn) is a compound word consisting of 贷 (to lend or borrow) and 款 (a sum of money). In the modern Chinese economy, this term is the standard way to describe formal financial credit. Unlike the informal '借钱' (jièqián), which you might use with friends or family, 贷款 implies a formal contract, a financial institution, and legal obligations.
- Financial Category
- Liability / Credit Product
The word functions seamlessly as both a noun and a verb. When you say '我有一笔贷款' (Wǒ yǒu yī bǐ dàikuǎn), it is a noun meaning 'I have a loan.' When you say '我要贷款买房' (Wǒ yào dàikuǎn mǎifáng), it acts as a verb meaning 'I want to take out a loan to buy a house.' This dual nature makes it incredibly versatile in conversations ranging from personal finance to international trade.
银行已经批准了我的贷款申请。 (The bank has already approved my loan application.)
Understanding the nuances of 贷款 requires looking at the different types prevalent in China today. There is the 抵押贷款 (dǐyā dàikuǎn - mortgage/secured loan) and the 信用贷款 (xìnyòng dàikuǎn - unsecured/credit loan). For many young professionals in China, the '房贷' (fángdài - mortgage) is a central part of their financial life, often dictating their lifestyle choices and long-term planning.
- Usage Context
- Banking, Real Estate, Business, Personal Finance
Historically, the concept of 贷款 in China has evolved from traditional pawnshops and private lending to a highly regulated state-owned and private banking sector. Today, digital platforms like Alipay and WeChat also offer micro-loans, often referred to as '小额贷款' (xiǎo'é dàikuǎn), which have revolutionized how the younger generation accesses credit for daily consumption.
现在的年轻人经常使用网络贷款。 (Young people nowadays often use online loans.)
To truly master the word, one must also understand the associated verbs. You don't just 'do' a loan; you 申请 (shēnqǐng - apply for), 办理 (bànlǐ - process), 发放 (fāfàng - issue), or 偿还 (chánghuán - repay) a 贷款. Each of these verbs places the word in a specific stage of the financial lifecycle, allowing for precise communication in professional settings.
- Grammar Note
- As a verb, 贷款 is a separable verb (离合词) in some contexts, though less commonly than others. You might see '贷了一笔款'.
Using 贷款 correctly involves understanding its role as both a noun and a verb. In its noun form, it acts as the object of many specific financial verbs. In its verb form, it often takes a purpose-driven structure, such as '贷款 + [Action]'.
- Common Verb-Noun Pairings
- 申请贷款 (Apply for a loan), 批准贷款 (Approve a loan), 偿还贷款 (Repay a loan), 逾期贷款 (Overdue loan)
When you are the one borrowing, you can say '向银行贷款' (xiàng yínháng dàikuǎn). The preposition '向' (towards/from) is crucial here. It establishes the direction of the financial flow. If you are the bank, you '发放贷款' (fāfàng dàikuǎn) to the customer. This distinction is vital for clear communication in business meetings or when filling out forms.
由于信用记录良好，他顺利地向银行贷款了五十万。 (Due to a good credit record, he successfully borrowed 500,000 from the bank.)
In a sentence where 贷款 is a verb, it is frequently followed by the reason for the loan. For example: '贷款买车' (borrow money to buy a car), '贷款上学' (borrow money for school/student loan). This structure is concise and very common in both spoken and written Chinese. It eliminates the need for complex conjunctions.
For advanced learners, it's important to recognize 贷款 in formal reports. You will see terms like '贷款利率' (dàikuǎn lìlǜ - loan interest rate) and '贷款期限' (dàikuǎn qīxiàn - loan term). In these cases, 贷款 acts as an attributive, modifying the following noun to specify that the rate or term belongs to a loan rather than a deposit (存款).
目前的贷款利率处于历史最低水平。 (The current loan interest rates are at a historical low.)
Another sophisticated use is the phrase '按揭贷款' (ànjiē dàikuǎn), which specifically refers to a mortgage. While '房贷' is common in speech, '按揭' is the formal term you will find in legal documents and bank brochures. Mastering these variations shows a high level of linguistic competence and cultural awareness of the Chinese financial system.
- Collocation Focus
- 高利贷款 (High-interest loan), 商业贷款 (Commercial loan), 公积金贷款 (Housing provident fund loan)
You will encounter 贷款 in several distinct environments in China. The most obvious is the banking hall. From the moment you walk in, signs for '个人贷款' (Personal Loans) and '企业贷款' (Corporate Loans) are visible. If you are interacting with a bank teller or loan officer (信贷员), this word will be the centerpiece of your conversation.
我想咨询一下关于小微企业贷款的政策。 (I would like to inquire about the policies regarding loans for small and micro-enterprises.)
The second major environment is the real estate market. In China, buying an apartment is a significant milestone, and almost everyone discusses their '房贷' (mortgage). You will hear people comparing interest rates between different banks or discussing whether to choose a 20-year or 30-year 贷款 term. It's a common topic of social conversation among adults, often linked to the cost of living and financial pressure.
News broadcasts and financial newspapers are another frequent source. Economic reports often discuss the '贷款总额' (total loan amount) in the country or changes in the 'LPR' (Loan Prime Rate), which affects how much interest people pay. If the government wants to stimulate the economy, you might hear about '放宽贷款条件' (relaxing loan conditions).
央行宣布下调一年期贷款市场报价利率。 (The central bank announced a cut in the one-year Loan Prime Rate.)
Finally, you will hear it in the context of higher education. '助学贷款' (zhùxué dàikuǎn - student loans) are increasingly common for university students. On campus, students might discuss the terms of their 贷款 and how they plan to repay it after graduation. This has become a standard part of the university experience for many families across China.
- Media Frequency
- Very High - Daily in news and financial sections.
One of the most frequent mistakes learners make is confusing 贷款 with 借钱. While both involve borrowing money, 借钱 is informal and can be used for any situation (like borrowing five dollars from a friend). 贷款 is strictly for formal, usually institutional, financial transactions. Using 贷款 to ask a friend for money would sound very strange and overly formal.
- Mistake 1: Register Error
- Incorrect: “朋友，你能贷款给我十块钱吗？” (Friend, can you issue a formal loan to me for 10 yuan?)
Correct: “朋友，你能借我十块钱吗？”
Another common error is the incorrect use of prepositions. Many learners try to use '从' (from) instead of '向' (towards/from) when saying 'borrow from a bank'. While '从银行借钱' is acceptable, the standard financial colocation is '向银行贷款'. Using '从' with 贷款 isn't necessarily 'wrong' in a grammatical sense, but it lacks the professional polish expected at a B1+ level.
错误用法：他从银行贷款买了一辆车。 (Less natural)
正确用法：他向银行贷款买了一辆车。 (Standard)
Learners also struggle with the difference between 贷款 and 还债 (huánzhài - pay back debt). 贷款 is the specific financial product or the act of getting it. 还债 is the general act of paying back any debt. When paying back a bank loan specifically, it is better to use '还贷款' or the more formal '偿还贷款' rather than the generic '还债'.
Lastly, there is the confusion between 贷款 and 存款 (cúnkuǎn - deposit). They look similar because they both end in '款' (money), but they are opposites. 存款 is money you put into the bank (your asset), while 贷款 is money you take out (your liability). Mixing these up in a bank can lead to significant misunderstandings!
- Comparison
- 贷款: You owe the bank money.
存款: The bank owes you money.
To expand your vocabulary, it is helpful to compare 贷款 with other terms related to borrowing and money. The most closely related word is 借款 (jièkuǎn). While 贷款 usually implies a bank or institution, 借款 is a broader term for any 'borrowed sum'. It can be used in legal contracts between individuals or companies where a bank isn't involved.
- 贷款 vs. 借款
- 贷款: Specifically institutional/bank credit.
借款: Any sum of money borrowed, formal or semi-formal.
Another similar term is 筹款 (chóukuǎn), which means 'to raise funds'. This is used when a company or a charity is trying to gather money from many sources (like investors or donors). While 贷款 results in a debt that must be repaid with interest, 筹款 might involve selling shares (equity) or receiving donations that don't need to be paid back.
这家初创公司正在进行新一轮的筹款，而不是申请贷款。 (This startup is doing a new round of fundraising, rather than applying for a loan.)
Then there is 欠债 (qiànzhài), which means 'to be in debt'. This is a state of being rather than a financial product. You can '贷款' to buy a house, and as a result, you '欠债'. 贷款 is the action or the instrument; 欠债 is the resulting condition. 欠债 often carries a slightly more negative or informal connotation than the neutral '有贷款'.
Finally, consider 拨款 (bōkuǎn), which means 'to allocate funds' or 'a grant'. This is usually money given by a government or a large organization for a specific project. Unlike a 贷款, a 拨款 usually does not need to be repaid. It is 'allocated' rather than 'lent'.
- Summary Table
- - 贷款: Bank loan (must repay + interest)
- 借款: General borrowed money
- 筹款: Fundraising (gathering money)
- 拨款: Grant/Allocation (usually no repayment)
چقدر رسمی است؟
سطح دشواری
گرامر لازم
The use of '向' for direction.
Measure word '笔' for sums of money.
Resultative complements like '还清' (pay off).
Purpose clauses with '贷款' + Verb.
Conditional '如果...就...' in financial risk contexts.
مثالها بر اساس سطح
我需要贷款。
I need a loan.
Simple Subject + Verb + Object.
银行有贷款吗？
Does the bank have loans?
Question with 吗.
这是我的贷款。
This is my loan.
贷款 as a noun.
他贷款买书。
He borrowed money to buy books.
贷款 as a verb followed by an action.
我不喜欢贷款。
I don't like loans.
Negative sentence with 不.
贷款很多钱。
The loan is a lot of money.
Describing the quantity of the loan.
你去贷款吗？
Are you going to get a loan?
Simple future/intent question.
贷款买房好吗？
Is it good to take a loan to buy a house?
Topic-comment structure.
我想贷款买一辆新车。
I want to take out a loan to buy a new car.
Use of 想 (want) + 贷款 (verb).
他有一笔很大的贷款。
He has a very large loan.
Use of measure word 笔 (bǐ).
你可以向银行贷款。
You can borrow money from the bank.
Use of 向 (towards/from) + 银行.
这笔贷款的利息很高。
The interest on this loan is very high.
贷款 + 的 + 利息.
我每个月都要还贷款。
I have to pay back the loan every month.
Use of 还 (huán - repay).
申请贷款需要多长时间？
How long does it take to apply for a loan?
申请 (apply) + 贷款.
他的贷款申请被批准了。
His loan application was approved.
Passive-like structure with 被 (bèi).
如果没有贷款，我买不起房。
If I don't have a loan, I can't afford a house.
Conditional sentence with 如果.
为了创业，他向银行申请了一笔贷款。
In order to start a business, he applied for a loan from the bank.
为了 (for the purpose of) + Action.
这种贷款的还款期限是二十年。
The repayment term for this type of loan is twenty years.
还款期限 (repayment term).
现在的贷款利率对买房者很有利。
The current loan interest rates are very favorable for homebuyers.
对...有利 (favorable to...).
在贷款之前，你应该先了解自己的信用记录。
Before taking out a loan, you should first understand your credit record.
...之前 (before...).
助学贷款帮助很多学生完成了学业。
Student loans have helped many students complete their studies.
助学贷款 (student loan) as a subject.
他打算提前还清所有的贷款。
He plans to pay off all the loans in advance.
提前 (in advance) + 还清 (pay off).
银行正在审核他的贷款材料。
The bank is currently reviewing his loan documents.
正在 (progressive aspect) + 审核 (review).
小额贷款在农村地区越来越受欢迎。
Micro-loans are becoming increasingly popular in rural areas.
越来越 (more and more).
由于全球经济波动，银行收紧了贷款政策。
Due to global economic fluctuations, banks have tightened their loan policies.
收紧 (tighten) + 政策 (policy).
抵押贷款通常需要提供房产作为担保。
Mortgages usually require providing real estate as collateral.
作为 (as) + 担保 (guarantee/collateral).
如果逾期不还贷款，你的信用评分会受损。
If you fail to repay the loan on time, your credit score will be damaged.
逾期 (overdue) + 受损 (be damaged).
这家公司通过贷款筹集了研发资金。
The company raised R&D funds through loans.
通过 (through) + Method.
我们需要评估这笔贷款的潜在风险。
We need to assess the potential risks of this loan.
评估 (assess) + 风险 (risk).
商业贷款的审批流程通常比个人贷款更复杂。
The approval process for commercial loans is usually more complex than for personal loans.
A 比 B + Adjective.
政府鼓励银行增加对小微企业的贷款支持。
The government encourages banks to increase loan support for small and micro-enterprises.
增加 (increase) + 支持 (support).
他正在考虑是将贷款转为固定利率还是浮动利率。
He is considering whether to convert the loan to a fixed or floating interest rate.
是...还是... (choice).
不良贷款率的上升引发了市场对金融稳定性的担忧。
The rise in the non-performing loan rate has sparked market concerns about financial stability.
引发 (trigger/spark) + 担忧 (concern).
该项目的融资方案主要依赖于长期的银团贷款。
The project's financing plan relies primarily on long-term syndicated loans.
依赖于 (rely on) + 银团贷款 (syndicated loan).
为了缓解流动性压力，企业不得不寻求短期贷款。
To alleviate liquidity pressure, the enterprise had to seek short-term loans.
缓解 (alleviate) + 流动性 (liquidity).
贷款合同中的条款必须经过严格的法律审查。
The clauses in the loan contract must undergo rigorous legal review.
经过 (undergo) + 审查 (review).
央行通过调整贷款市场报价利率（LPR）来引导市场利率下行。
The central bank guides market interest rates downward by adjusting the Loan Prime Rate (LPR).
通过...来... (by means of... to...).
消费贷款的激增在一定程度上刺激了国内需求。
The surge in consumer loans has stimulated domestic demand to some extent.
在一定程度上 (to a certain extent).
银行对该行业的贷款投放表现出审慎的态度。
The bank has shown a cautious attitude toward lending to this industry.
表现出 (show/manifest) + 态度 (attitude).
债务人未能按期履行贷款协议中的偿还义务。
The debtor failed to fulfill the repayment obligations in the loan agreement on schedule.
履行 (fulfill) + 义务 (obligation).
过度依赖贷款扩张可能导致资产负债表的脆弱性增加。
Over-reliance on loan expansion may lead to increased vulnerability of the balance sheet.
导致 (lead to) + 脆弱性 (vulnerability).
在去杠杆化的背景下，银行对高杠杆企业的贷款审批愈发严格。
In the context of deleveraging, bank loan approvals for highly leveraged companies have become increasingly strict.
在...背景下 (in the context of).
该笔跨境贷款涉及复杂的汇率风险对冲机制。
This cross-border loan involves complex exchange rate risk hedging mechanisms.
涉及 (involve) + 对冲机制 (hedging mechanism).
贷款损失准备金的计提比例反映了银行对信用风险的预期。
The provision ratio for loan losses reflects the bank's expectations of credit risk.
反映了 (reflects) + 预期 (expectation).
金融监管机构加强了对违规挪用经营性贷款进入楼市的打击力度。
Financial regulators have stepped up crackdowns on the illegal diversion of operating loans into the property market.
加强 (strengthen) + 打击力度 (intensity of crackdown).
这种结构化贷款产品通过分层设计满足了不同风险偏好的投资者。
This structured loan product meets the needs of investors with different risk appetites through a layered design.
满足 (satisfy/meet) + 需求/投资者.
贷款市场定价机制的完善是利率市场化改革的关键一步。
Improving the loan market pricing mechanism is a key step in the market-based interest rate reform.
是...的关键一步 (is a key step of...).
宏观审慎政策框架旨在防范贷款过度增长带来的系统性风险。
The macroprudential policy framework aims to prevent systemic risks brought about by excessive loan growth.
旨在 (aims to) + 防范 (prevent).
ترکیبهای رایج
عبارات رایج
اغلب اشتباه گرفته میشود با
اصطلاحات و عبارات
بهراحتی اشتباه گرفته میشود
الگوهای جملهسازی
نحوه استفاده
It can be separated: 贷过款 (have taken a loan).
Always use 贷款 for banks; never for small favors between friends.
- Using '从' instead of '向' for the bank.
- Using '贷款' to ask a friend for a small amount of money.
- Confusing '贷款' (loan) with '存款' (deposit).
- Forgetting the measure word '笔'.
- Mispronouncing the tones, especially 'kuǎn'.
نکات
Using 'Xiang'
Always remember to use '向' (xiàng) when specifying the lender. '向银行贷款' is the most natural way to say 'borrow from a bank'.
Shorten It
In daily life, use '房贷' and '车贷' instead of the full four-character versions to sound more like a native speaker.
The 'Slave' Concept
Understanding the term '房奴' (mortgage slave) helps you understand the social pressure many Chinese people feel regarding loans.
Business Chinese
In a business context, use '融资' (financing) for the overall process and '贷款' for the specific bank product.
News Keywords
When listening to financial news, '利率' (interest rate) and '下调' (decrease) or '上调' (increase) are often used with '贷款'.
Measure Words
Using '一笔' (yī bǐ) makes your writing sound more formal and precise than just saying '很多贷款'.
Tone Accuracy
Pay attention to the 4th tone of 'dài'. If you say it with a 1st tone, it might sound like '呆' (dāi - silly).
HSK Context
For HSK 4 and 5, 贷款 often appears in reading passages about economic development or personal planning.
Verb-Object
Remember that 贷款 can be a verb-object construction, so you can say '贷过款' or '贷了款'.
Financial Terms
Be careful with '高利贷' (high-interest loan/usury), as it usually refers to illegal or predatory lending.
حفظ کنید
ریشه کلمه
بافت فرهنگی
Sometimes parents provide the down payment (首付) while the children take the 贷款.
Being approved for a large 贷款 can ironically be a sign of high social status and stable income.
The term '房奴' (fángnú) describes people whose lives are dominated by paying off their mortgage.
تمرین در زندگی واقعی
موقعیتهای واقعی
شروعکنندههای مکالمه
"你觉得贷款买房划算吗？ (Do you think it's worth it to buy a house with a loan?)"
"现在的贷款利率是多少？ (What is the current loan interest rate?)"
"你申请过助学贷款吗？ (Have you ever applied for a student loan?)"
"在你的国家，贷款容易吗？ (Is it easy to get a loan in your country?)"
"你认为年轻人应该贷款消费吗？ (Do you think young people should use loans for consumption?)"
موضوعات نگارش
描述一次你（或你认识的人）申请贷款的经历。
讨论贷款对现代社会经济的影响。
如果你有一笔无息贷款，你会用它做什么？
比较‘存钱买房’和‘贷款买房’的优缺点。
写一段关于未来信用贷款发展的预测。
سوالات متداول
10 سوال贷款通常指从银行等金融机构正式借钱，有合同和利息；借钱更口语，可以指跟任何人借。
房贷是‘住房贷款’的缩写，指为了买房子向银行借的钱。
通常用‘笔’（bǐ），例如：一笔贷款。
可以，例如‘我想贷款买车’，这里的贷款就是动词。
无息贷款是指不需要支付利息的贷款，通常由政府或特定机构提供。
如果贷款逾期，通常需要支付罚息，并且会影响你的个人信用记录。
抵押贷款是指借款人提供财产（如房子）作为担保的贷款。
可以，很多国家和银行提供‘助学贷款’来帮助学生支付学费。
通常由中央银行设定基准利率，各商业银行在此基础上进行调整。
你可以按月还款（月供），也可以在有钱时选择提前一次性还清。
خودت رو بسنج 180 سوال
用‘贷款’写一个简单的句子。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
解释一下什么是‘房贷’。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
讨论一下贷款买房的优缺点。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
简述贷款利率变动对经济的影响。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
写一段话，描述你如何向银行申请贷款。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
翻译：I have a bank loan.
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
如果你不能按时还贷款，你会怎么做？
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
分析为什么小微企业贷款比较困难。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
写出三个与‘贷款’相关的动词。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
描述‘助学贷款’对学生的重要性。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
口语练习：说出‘贷款’的拼音和意思。
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
口语练习：用‘贷款’造句，描述你的一个计划。
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
口语练习：你支持贷款消费吗？为什么？
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
听力练习：录音说‘他终于还清了房贷’。问：他现在还欠银行钱吗？
听力练习：录音说‘贷款利率上调了0.5%’。问：贷款成本变高了还是变低了？
翻译：The bank rejected my loan application.
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
如果你要贷款，你会选哪家银行？为什么？
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
写出‘贷款’的两个近义词。
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
描述一下你对‘负债’的看法。
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
翻译：I need to pay my mortgage today.
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
你会为了旅游而贷款吗？
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
翻译：How much is the loan interest?
خوب نوشتید! تلاش خوبی بود! پاسخ نمونه را ببینید.
谈谈你对‘超前消费’的看法。
این را بلند بخوانید:
تو گفتی:
تشخیص گفتار در مرورگر شما پشتیبانی نمیشود. از کروم یا اج استفاده کنید.
/ 180 درست
نمره کامل!
Summary
贷款 (dàikuǎn) is the essential term for formal loans in China. Whether you are buying a house (房贷) or starting a business (企业贷款), mastering this word and its collocations like '申请' (apply) and '偿还' (repay) is vital for navigating adult life and financial discussions in Chinese. Example: 我向银行申请了一笔贷款买房 (I applied for a loan from the bank to buy a house).
- Loan or to loan: A formal financial arrangement involving borrowing money from an institution with the obligation to repay it with interest over time.
- Versatile usage: Functions as both a noun (a loan) and a verb (to take out a loan), essential for discussions about major life purchases.
- Formal context: Distinct from informal borrowing ('借钱'), it implies legal contracts, credit checks, and institutional procedures in the Chinese financial system.
- Key associations: Frequently paired with terms like interest rates (利率), repayment (还款), and specific categories like mortgages (房贷) or student loans (助学贷款).
Using 'Xiang'
Always remember to use '向' (xiàng) when specifying the lender. '向银行贷款' is the most natural way to say 'borrow from a bank'.
Shorten It
In daily life, use '房贷' and '车贷' instead of the full four-character versions to sound more like a native speaker.
The 'Slave' Concept
Understanding the term '房奴' (mortgage slave) helps you understand the social pressure many Chinese people feel regarding loans.
Business Chinese
In a business context, use '融资' (financing) for the overall process and '贷款' for the specific bank product.
مثال
他申请了银行贷款来购买新房。
محتوای مرتبط
قواعد دستوری مرتبط
واژههای بیشتر finance
账单
B2صورتحسابی که مبلغ بدهی برای کالاها یا خدمات را نشان میدهد.
预算
B1بودجه تخمینی از درآمد و هزینه برای یک دوره زمانی معین است.
债务
B1بدهی تعهدی مالی است که باید به دیگری پرداخت شود.
测算
B2محاسبه و تخمین بر اساس داده ها یا اندازه گیری ها. به عنوان مثال، مهندسان باید ظرفیت تحمل بار پل را به دقت محاسبه کنند.
汇率
B1The value of one currency for the purpose of conversion to another.
费用
B1هزینهها یا مخارجی که باید برای یک خدمت یا فعالیت پرداخت شود.
保险
B1بیمه: سیستمی برای محافظت در برابر خسارات مالی.
损失
B1ضرر اقتصادی ناشی از این تصمیم بسیار زیاد بود.
逾期
B21. از مهلت مقرر فراتر رفتن یا معوق بودن. 2. کلمه '逾期' (yúqī) به معنای گذشتن از یک مهلت زمانی است که منجر به تاخیر میشود، اغلب با عواقبی مانند جریمه همراه است.
支付
B1The act of paying money for goods, services, or debts. A high-frequency word for IELTS General related to shopping and services.
