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Vocabulary
وام دادن/گرفتن

B2 verb 6 min read

وام دادن/گرفتن

vam dadan/gereftan

Practice it Examples Notes & Tips وام دادن/گرفتن in 30 Seconds

Explanation وام دادن/گرفتن in your Level:

At the A1 level, learners should recognize 'vām' as a word for 'money from a bank'. You don't need to conjugate complex tenses yet. Just focus on the simple present and past. 'Vām gereftam' (I got a loan) and 'Vām dād' (He gave a loan). At this stage, you might confuse it with 'pool' (money), but remember that 'vām' is a specific type of money that you have to give back later. Think of it as 'Bank Money'. You might use it in very simple sentences like 'I need a loan' or 'The bank gives a loan'.

At A2, you start to use prepositions. You learn that you get a loan *from* (az) someone and give a loan *to* (be) someone. You also begin to see it combined with other nouns, like 'vām-e māshin' (car loan). You can describe simple needs: 'I want to buy a house, so I need to get a loan from the bank.' You also learn the negative form 'vām nemigiram' (I am not getting a loan). This level is about basic survival in a financial conversation.

By B1, you are comfortable with the compound nature of the verb. You can use it in the future tense ('vām khāham gereft') and the present perfect ('vām gerefte-am'). You start to understand the cultural context, like 'vām-e ezdevāj' (marriage loan) and the concept of 'qest' (installments). You can explain why you need the loan and discuss the basic process, like 'filling out forms' (form por kardan). You can distinguish between 'vām' and 'qarz' in most social situations.

At the B2 level, you use these verbs in more complex sentence structures, such as conditional sentences ('If the interest rate was lower, I would take a loan'). You understand the difference between 'vām' and 'tas-hilāt' (facilities). You can discuss economic trends using these words, such as 'The bank is not lending money to people easily these days.' You are also familiar with related terms like 'zāmen' (guarantor) which is essential for taking a loan in Iran. You can handle a basic meeting at a bank using this vocabulary.

C1 learners use 'vām' in academic or professional contexts. You can discuss 'vām-hā-ye dowlati' (government loans) and their impact on the money supply. You understand idiomatic uses and the nuances of banking jargon. You can write a formal letter requesting a loan or a credit line. You also understand the legal implications of these verbs, such as 'neku-ye vām' (loan default) or 'bazpardākht-e zud-hangām' (early repayment). Your usage is precise and context-aware.

At C2, you have a near-native grasp of the financial system. You can discuss complex fiscal policies involving 'vām-hā-ye khāreji' (foreign loans) and 'bedehi-ye dowlati' (government debt). You can analyze the socio-economic effects of lending practices in Iranian history. You use these verbs effortlessly in any register, from street slang about 'vām-e nzul' (usury/high-interest loans) to high-level economic discourse. You can debate the ethics of interest (sud) in the context of Islamic banking.

Practice it Examples Notes & Tips

وام دادن/گرفتن in 30 Seconds

Vām dādan/gereftan means lending/borrowing money formally.
Use 'dādan' for the lender and 'gereftan' for the borrower.
It is different from 'qarz', which is for informal small amounts.
Commonly used with banks, cars, houses, and marriage contexts.

The compound verbs وام دادن (vām dādan) and وام گرفتن (vām gereftan) are the cornerstones of financial terminology in Persian. At their core, they represent the bilateral act of lending and borrowing money, typically within a formal or institutional framework. Unlike the more informal qarz dādan, which might involve a small sum between friends for lunch, vām almost always implies a structured agreement, often involving interest, collateral, and a fixed repayment schedule. In modern Iranian society, these terms are ubiquitous, appearing in every context from evening news reports on national debt to young couples discussing their first mortgage.

Formal Lending: This refers to the process where a bank or credit union provides capital to an individual or entity. In Persian, this is exclusively وام دادن. The recipient is said to be وام‌گیرنده (the loan-taker).

بانک به من برای خرید خانه وام داد. (The bank gave me a loan to buy a house.)

Understanding the distinction between these two verbs is crucial for B2 learners. Dādan means 'to give', so vām dādan is the act of the lender. Gereftan means 'to take' or 'to receive', so vām gereftan is the act of the borrower. In a sentence, the source of the loan is often introduced with the preposition از (az - from).

Institutional Context: When discussing the World Bank or International Monetary Fund, Persian speakers use these terms to describe sovereign debt and international credit facilities.

او از بانک مرکزی وام گرفت تا کسب‌وکارش را گسترش دهد. (He took a loan from the central bank to expand his business.)

The cultural weight of these words is significant in Iran due to the complex banking system and the high inflation environment. Taking a loan is often seen as a strategic move to hedge against currency devaluation. Thus, these verbs are not just financial actions but are often discussed as life milestones or survival strategies.

Repayment Terms: The act of 'giving' or 'taking' a loan is immediately followed by discussions of bazpardākht (repayment) and sud (interest/profit).

Using وام دادن and وام گرفتن requires an understanding of Persian sentence structure, particularly how to handle the origin and the recipient of the funds. As compound verbs, the 'dādan' or 'gereftan' part is conjugated according to tense, person, and number, while 'vām' remains stable as the noun component. Let's look at the syntax for both.

The 'Borrower' Structure: [Subject/Borrower] + [Source/Bank] + az + [Amount/Type] + vām gereftan. Example: 'Man az bank vām gereftam.'

آیا می‌توانی از صندوق رفاه وام بگیری؟ (Can you take a loan from the welfare fund?)

For the lender's perspective, the structure shifts. Be (to) is used to indicate the recipient.

The 'Lender' Structure: [Subject/Lender] + [Recipient] + be + [Amount] + vām dādan. Example: 'Dowlat be dāneshjuyān vām midahad.'

بانک‌ها در شرایط اقتصادی دشوار، سخت‌تر وام می‌دهند. (Banks lend money more difficultly in tough economic conditions.)

When using the continuous aspect, the word 'dārad' or 'dāsht' comes before the whole compound. For example: 'Dāram vām migiram' (I am in the process of getting a loan). This is very common when discussing the long administrative hurdles of Iranian banking.

You will encounter وام in several distinct social spheres in Iran. The first and most obvious is the banking sector. Walking into any 'Bānk' (Melli, Mellat, Saderat), you will see signs for vām-e khodro (car loan), vām-e ezdevāj (marriage loan), and vām-e maskan (housing loan). These are specific financial products that are part of the daily conversation for many Iranians.

News and Media: Financial news often discusses 'vām-hā-ye kalān' (large-scale loans) and the interest rates associated with them. You'll hear phrases like 'tas-hilāt-e bānki' which is a more formal way to say 'lending facilities'.

اخبار گفت که دولت به کشاورزان وام کم‌بهره می‌دهد. (The news said the government is giving low-interest loans to farmers.)

In the workplace, employees often discuss 'vām-e dākheli' (internal company loans), which are a common perk in large Iranian organizations. Employees might say, 'In māh vām-e sherkat-am rā gereftam' (I got my company loan this month).

برای خرید جهیزیه، مجبور شدیم وام بگیریم. (To buy the dowry, we were forced to take a loan.)

The most frequent mistake English speakers make is confusing vām with qarz. While both involve borrowing/lending money, qarz is generally for small, interest-free, informal amounts. If you say you took a 'vām' from your brother for a cup of coffee, it sounds like you signed a legal contract with him. Use qarz gereftan for friends and family.

Mistake: Confusion with Objects: Never use 'vām gereftan' to mean borrowing a physical object like a pen or a car. For that, use 'amanat gereftan' or 'gharz gereftan' (the latter is okay for objects in some dialects, but 'amanat' is safer).

غلط: من کتاب را از او وام گرفتم. (Wrong: I loaned the book from him.)

Another mistake is the direction of the verb. Remember: Dādan = Outgoing (Lending), Gereftan = Incoming (Borrowing). Beginners often swap them, leading to confusing sentences where the bank is borrowing money from the customer!

Persian has several words related to the exchange of money and credit. Knowing the nuances helps you sound more like a native speaker.

Qarz (قرض): The most common alternative. Used for informal, usually interest-free borrowing. 'Qarz-ol-hasane' is a specific religious term for interest-free loans.
Tas-hilāt (تسهیلات): A formal, bureaucratic term meaning 'facilities' or 'credits'. You will see this on bank websites and official documents instead of the simpler 'vām'.
Etebār (اعتبار): Means 'credit'. Used for credit cards (kārt-e etebāri) or credit lines. It refers more to the potential to borrow rather than the act of the loan itself.

بانک به شرکت‌های نوپا تسهیلات مالی ارائه می‌دهد. (The bank provides financial facilities to startups.)

How Formal Is It?

Formal

"بانک مرکزی تسهیلات ویژه‌ای را به بخش صنعت وام می‌دهد."

Neutral

"من برای خرید لپ‌تاپ وام گرفتم."

Informal

"بابا، یه وام به من میدی؟"

Child friendly

"بانک مهربان به ما پول داد تا خانه بخریم."

Slang

"طرف رفته نزول گرفته، بدبخت شده."

Fun Fact

The word 'Vām' is also related to the word 'vām-khāh' which in old literature referred to a creditor. Today, it's almost exclusively used in financial banking contexts.

Pronunciation Guide

UK /vɒːm dɒːdæn/

US /vɑːm dɑːdæn/

Stress is on the second syllable of the second word: vām dā-DÁN / vām ge-ref-TÁN.

Rhymes With

Bām (Roof) Nām (Name) Gām (Step) Kām (Palate) Shām (Dinner) Dām (Trap) Jām (Cup) Khām (Raw)

Common Errors

Pronouncing 'v' as 'w'. Persian has no 'w' sound.
Making the 'ā' sound too short like 'cat'. It must be long like 'ball'.
Stress on the first word 'vām'. In compound verbs, stress is on the verbal element.
Mispronouncing 'gereftan' as 'ger-ef-ten'.
Missing the silent 'h' if written as 'vām-hā'.

Difficulty Rating

Reading 3/5

Easy to recognize in news and bank signs.

Writing 4/5

Requires correct conjugation of compound verbs.

Speaking 4/5

Must distinguish between 'dādan' and 'gereftan' quickly.

Listening 3/5

Very common word, easy to pick out.

What to Learn Next

Prerequisites

پول بانک دادن گرفتن خریدن

Learn Next

قسط سود ضامن بازپرداخت حساب بانکی

Advanced

تسهیلات استقراض تورم نقدینگی ورشکستگی

Grammar to Know

Compound Verb Conjugation

Vām mi-gir-am (I am taking), Vām na-gereft-am (I didn't take).

Preposition 'Az' for Source

Az bank vām gereftam.

Preposition 'Be' for Recipient

Be u vām dādam.

Ezafe Construction with Vām

Vām-e maskan (Housing loan).

Subjunctive with Modal 'Bāyad'

Bāyad vām bi-gir-am.

Examples by Level

من وام می‌خواهم.

I want a loan.

Simple present tense.

بانک وام می‌دهد.

The bank gives a loan.

Subject-verb agreement.

او وام گرفت.

He took a loan.

Simple past tense.

آیا وام داری؟

Do you have a loan?

Interrogative sentence.

ما وام گرفتیم.

We took a loan.

First person plural past.

پول وام کجاست؟

Where is the loan money?

Question word 'where'.

این وام بزرگ است.

This loan is big.

Adjective usage.

او به من وام داد.

He gave me a loan.

Indirect object with 'be'.

من از بانک ملی وام گرفتم.

I took a loan from Bank Melli.

Preposition 'az' (from).

پدرم به من وام نمی‌دهد.

My father doesn't give me a loan.

Negative compound verb.

او برای ماشین وام گرفت.

He took a loan for a car.

Preposition 'barāye' (for).

ما باید وام بگیریم.

We must take a loan.

Modal verb 'bāyad'.

آیا بانک به شما وام داد؟

Did the bank give you a loan?

Formal 'shomā'.

او وامش را پس داد.

He gave back his loan.

Possessive suffix '-ash'.

وام گرفتن سخت است.

Taking a loan is hard.

Gerund/Infinitive as subject.

آن‌ها وام‌های زیادی دارند.

They have many loans.

Plural noun 'vām-hā'.

من دارم برای خرید خانه وام می‌گیرم.

I am (in the process of) getting a loan to buy a house.

Present continuous.

اگر وام بگیریم، می‌توانیم سفر کنیم.

If we take a loan, we can travel.

Conditional type 1.

او قبلاً از این بانک وام گرفته است.

He has already taken a loan from this bank.

Present perfect tense.

بانک به دانشجوها وام تحصیلی می‌دهد.

The bank gives student loans to students.

Compound noun 'vām-e tahsili'.

قسط‌های وام من خیلی زیاد است.

My loan installments are very high.

Vocabulary: 'qest' (installment).

او بدون ضامن وام گرفت.

He took a loan without a guarantor.

Vocabulary: 'zāmen' (guarantor).

ما قصد داریم ماه آینده وام بگیریم.

We intend to take a loan next month.

Phrase: 'ghasd dāshtan'.

چرا بانک به تو وام نداد؟

Why didn't the bank give you a loan?

Question with 'cherā'.

شرایط وام گرفتن در ایران پیچیده است.

The conditions for taking a loan in Iran are complex.

Noun phrase as subject.

بانک مرکزی نرخ سود وام را افزایش داد.

The Central Bank increased the loan interest rate.

Vocabulary: 'nerkh-e sud' (interest rate).

او می‌خواست وام بگیرد اما ضامن نداشت.

He wanted to take a loan but didn't have a guarantor.

Past continuous/desire.

وام‌های کم‌بهره برای تولیدکنندگان ضروری است.

Low-interest loans are essential for producers.

Compound adjective 'kam-bahre'.

دولت باید به زوج‌های جوان وام ازدواج بدهد.

The government must give marriage loans to young couples.

Social context.

بازپرداخت وام ده سال طول می‌کشد.

The loan repayment takes ten years.

Vocabulary: 'bāzpardākht' (repayment).

او تمام مدارک لازم برای وام گرفتن را آماده کرد.

He prepared all the necessary documents for taking a loan.

Adjective 'lāzem' (necessary).

آیا تا به حال از بانک وام گرفته‌اید؟

Have you ever taken a loan from a bank?

Experience with 'tā be hāl'.

تسهیلات بانکی نقش مهمی در رشد اقتصادی دارند.

Banking facilities play an important role in economic growth.

Formal term 'tas-hilāt'.

بسیاری از شرکت‌ها به دلیل ناتوانی در بازپرداخت وام ورشکست شدند.

Many companies went bankrupt due to inability to repay loans.

Reasoning with 'be dalil-e'.

بانک‌ها باید در وام دادن به بخش‌های غیرمولد محتاط باشند.

Banks must be cautious in lending to non-productive sectors.

Formal adjective 'mohtāt'.

او از طریق رانت توانست وام کلانی دریافت کند.

He managed to receive a huge loan through rent-seeking/connections.

Social commentary: 'rānt'.

سیاست‌های انقباضی باعث کاهش وام‌دهی بانک‌ها شده است.

Contractionary policies have led to a decrease in bank lending.

Economic terminology.

وام‌گیرندگان باید از حقوق قانونی خود آگاه باشند.

Borrowers must be aware of their legal rights.

Agent noun 'vām-girandegan'.

این قرارداد شامل جزئیات دقیق وام دادن است.

This contract includes the precise details of the lending.

Formal verb 'shāmel shodan'.

او به دنبال وامی با دوره تنفس طولانی است.

He is looking for a loan with a long grace period.

Vocabulary: 'dowre-ye tanafos' (grace period).

تخصیص بهینه وام‌ها می‌تواند ساختار اقتصادی را متحول کند.

Optimal allocation of loans can transform the economic structure.

Academic Persian.

بحران بدهی ناشی از وام‌دهی بی‌رویه بانک‌های خصوصی بود.

The debt crisis resulted from excessive lending by private banks.

Compound adjective 'bi-ravi-ye'.

دولت در پی استقراض خارجی و دریافت وام از صندوق بین‌المللی پول است.

The government is seeking foreign borrowing and receiving loans from the IMF.

Vocabulary: 'esteghrāz' (borrowing).

شفافیت در فرآیند وام دادن، فساد مالی را کاهش می‌دهد.

Transparency in the lending process reduces financial corruption.

Abstract noun 'shaffāfiyat'.

نظام بانکی باید بین وام‌های تجاری و حمایتی تمایز قائل شود.

The banking system must distinguish between commercial and supportive loans.

Complex verb 'tamāyoz ghāyel shodan'.

پدیده وام‌های معوقه به یکی از چالش‌های اصلی سیستم بانکی تبدیل شده است.

The phenomenon of non-performing loans has become one of the main challenges of the banking system.

Vocabulary: 'vām-hā-ye mo-avvaghe'.

تداوم وام‌دهی به صنایع ورشکسته، منابع ملی را هدر می‌دهد.

Continued lending to bankrupt industries wastes national resources.

Gerund 'tadāvom'.

رویکرد بانک‌ها در قبال وام دادن به شرکت‌های دانش‌بنیان تغییر کرده است.

The banks' approach toward lending to knowledge-based companies has changed.

Phrase 'dar ghabāl-e' (toward).

Common Collocations

وام مسکن

وام ازدواج

وام بانکی

نرخ سود وام

اقساط وام

ضامن وام

درخواست وام

وام فوری

وام کم‌بهره

بازپرداخت وام

Common Phrases

وام گرفتن از بانک

— To secure a loan from a bank.

باید از بانک وام بگیریم.

زیر بار وام رفتن

— To take on the burden of a loan.

نمی‌خواهم زیر بار وام بروم.

وام بلاعوض

— A grant or a loan that doesn't need to be paid back.

دولت به سیل‌زدگان وام بلاعوض داد.

تسویه حساب وام

— Clearing the loan balance.

بالاخره وامم را تسویه کردم.

تمدید وام

— Extending the loan period.

آیا امکان تمدید وام وجود دارد؟

وام دانشجویی

— Student loan.

وام دانشجویی برای شهریه عالی است.

وام مضاربه‌ای

— A specific Islamic business loan.

او وام مضاربه‌ای گرفت.

وام خرید کالا

— Consumer loan for goods.

برای یخچال وام خرید کالا گرفتم.

سقف وام

— The maximum loan limit.

سقف وام مسکن افزایش یافت.

وام جعاله

— A loan for repairs or specific services.

برای تعمیر خانه وام جعاله گرفتیم.

Often Confused With

وام دادن/گرفتن vs قرض

Qarz is informal/short-term; Vām is formal/long-term.

وام دادن/گرفتن vs امانت

Amanat is for objects (like a book); Vām is only for money.

وام دادن/گرفتن vs هدیه

Hedye is a gift; Vām must be paid back.

Idioms & Expressions

"وام‌دار کسی بودن"

— To be indebted to someone (usually metaphorically for a favor).

من همیشه وام‌دار مهربانی‌های شما هستم.

Literary/Formal

"دست گدایی دراز کردن"

— To beg (often used when one can't get a loan).

نمی‌خواهم پیش کسی دست گدایی دراز کنم.

Informal

"کلاه به کلاه کردن"

— To take a new loan to pay off an old one.

او با کلاه به کلاه کردن زندگی‌اش را می‌چرخاند.

Slang

"پوست آدم را کندن"

— To skin someone alive (used for high interest rates).

بانک با این سودها پوست ما را می‌کند.

Informal

"چشم‌داشت داشتن"

— To expect something in return (like interest).

او بدون هیچ چشم‌داشتی به من قرض داد.

Neutral

"کمر زیر بار قرض خم شدن"

— To be crushed under the weight of debt.

کمرش زیر بار وام‌های سنگین خم شده است.

Informal

"پول حلال"

— Legitimate money (often discussed regarding interest).

او فقط دنبال پول حلال است.

Religious/Cultural

"جیب کسی را زدن"

— To pickpocket (used for unfair bank fees).

این بانک با کارمزدهایش جیب ما را می‌زند.

Slang

"به خاک سیاه نشستن"

— To become destitute (often after a bad loan).

بعد از آن وام سنگین، به خاک سیاه نشست.

Idiomatic

"آبرو ریزی"

— Losing face (if one cannot repay a loan).

نتوانست وام را بدهد و آبرو ریزی شد.

Cultural

Easily Confused

وام دادن/گرفتن vs قرض (Qarz)

Both mean borrowing.

Qarz is usually interest-free and between individuals, while Vām is institutional and has interest.

به من صد تومان قرض بده.

وام دادن/گرفتن vs امانت (Amanat)

Both involve temporary use.

Amanat is for physical items that you return exactly as they are.

کتابت را به امانت گرفتم.

وام دادن/گرفتن vs اعتبار (Etebār)

Both relate to credit.

Etebār is the capacity or limit; Vām is the actual sum of money received.

اعتبار کارت من تمام شد.

Sentence Patterns

Man vām mi-khāh-am.

من وام می‌خواهم.

Man az [Bank] vām gereft-am.

من از بانک وام گرفتم.

U barāye [Noun] vām mi-gir-ad.

او برای ماشین وام می‌گیرد.

Agar vām bi-gir-am, [Verb].

اگر وام بگیرم، خانه می‌خرم.

Tas-hilāt-e bānki be [Sector] ta-allogh mi-gir-ad.

تسهیلات بانکی به بخش کشاورزی تعلق می‌گیرد.

Siyāsat-e vām-dehi-ye bank-hā [Verb].

سیاست وام‌دهی بانک‌ها تغییر کرده است.

Word Family

Nouns

Verbs

Adjectives

How to Use It

frequency

Extremely frequent in daily life, news, and business.

Common Mistakes

Man az u vām dādam. → Man be u vām dādam.
You give 'to' (be) someone, not 'from' (az).
Man vām-e ketāb gereftam. → Man ketāb rā amānat gereftam.
Vām is only for money, not objects.
Bank vām gereft. → Bank vām dād.
The bank lends (gives), it doesn't usually borrow from you in this context.
Vām-gereftan-am na-shod. → Na-tavān-est-am vām bi-gir-am.
Use 'tavānestan' (to be able to) for ability.
Qarz-e maskan. → Vām-e maskan.
A mortgage is a formal 'vām', not an informal 'qarz'.

Tips

Compound Verb Rule

Remember that in 'vām gereftan', only 'gereftan' changes its form for different tenses.

The Role of Zāmen

In Iran, you almost always need a 'zāmen' (guarantor) to get a bank loan.

Vām vs Qarz

Use 'Vām' for banks and 'Qarz' for friends to sound more like a native.

Long 'ā'

Make sure the 'ā' in 'vām' is long and deep, not short.

Formal Contexts

In a bank, use 'darkhāst-e vām' (applying for a loan).

Asking for Favors

Asking someone to be your zāmen is a serious matter in Iranian culture.

Inflation

Many Iranians take loans because inflation makes the future value of the debt lower.

Compound Stress

The stress falls on the end of the verb, e.g., vām geref-TÁM.

Ezafe

Don't forget the ezafe in 'vām-e khodro' (car loan).

Direction

Dādan is giving (lending), Gereftan is taking (borrowing).

Memorize It

Mnemonic

Think of 'Vām' as 'Value Added Money'. You get money (Value) but you have to Add interest when you pay it back. Vām = Value Added Money.

Visual Association

Imagine a bank vault (V) with an Aim (Am) to give you money. V-Am.

Word Web

Bank Interest Installment Guarantor Money Debt Credit Repayment

Challenge

Try to write a paragraph about your dream house and how much 'vām' you would need to buy it.

Word Origin

The word 'Vām' comes from Middle Persian 'vām', which originally meant 'debt' or 'loan'. It has roots in Old Persian and is related to the concept of giving and returning.

Original meaning: A debt or obligation that must be fulfilled.

Indo-European > Indo-Iranian > Iranian > Western Iranian > Persian.

Cultural Context

Avoid discussing interest (Riba) in a strictly religious context if you are unsure, as usury is forbidden in Islam, though 'sud' in banks is legal.

In the West, loans are often impersonal. In Iran, asking someone to be your 'zāmen' (guarantor) for a 'vām' is a huge favor that implies great trust.

Bank Melli Iran (The oldest national bank) Vām-e Ezdevāj (The famous marriage loan policy) Islamic Banking Laws of Iran

Practice in Real Life

Real-World Contexts

At the Bank

شرایط وام چیست؟
ضامن لازم دارم؟
سودش چقدر است؟
فرم وام کجاست؟

Buying a House

وام مسکن می‌گیرم.
سند در رهن بانک است.
قسط‌ها سنگین است.
وام را تسویه کردم.

Starting a Business

وام اشتغال‌زایی
طرح توجیهی برای وام
سرمایه اولیه از وام
بازپرداخت پنج ساله

Marriage

ثبت‌نام وام ازدواج
نوبت وام ما رسید.
هزینه عروسی با وام
کمک‌هزینه دولتی

Economic News

کاهش قدرت وام‌دهی
معوقات بانکی
اختلاس در وام‌ها
نرخ بهره

Conversation Starters

"آیا تا به حال برای خرید چیزی وام گرفته‌اید؟ (Have you ever taken a loan to buy something?)"

"به نظر شما سود وام در این کشور خیلی زیاد است؟ (In your opinion, is the loan interest in this country too high?)"

"برای گرفتن وام در ایران چه مدارکی لازم است؟ (What documents are needed to get a loan in Iran?)"

"آیا ترجیح می‌دهید وام بگیرید یا پول پس‌انداز کنید؟ (Do you prefer to take a loan or save money?)"

"اگر بانک به شما وام کلانی بدهد، با آن چه می‌کنید؟ (If the bank gives you a huge loan, what will you do with it?)"

Journal Prompts

تجربه خود را از اولین باری که وام گرفتید بنویسید. (Write about your experience the first time you took a loan.)

مزایا و معایب وام گرفتن برای جوانان را تحلیل کنید. (Analyze the pros and cons of taking loans for young people.)

چرا در فرهنگ ما، ضامن شدن برای وام دیگران یک ریسک بزرگ است؟ (Why is being a guarantor for others' loans a big risk in our culture?)

نقش وام در رسیدن به آرزوهای مالی شما چیست؟ (What is the role of loans in achieving your financial dreams?)

اگر رئیس یک بانک بودید، به چه کسانی راحت‌تر وام می‌دادید؟ (If you were a bank president, who would you lend to more easily?)

Frequently Asked Questions

10 questions

Vām is a formal loan (usually from a bank) with interest. Qarz is an informal loan (from a friend) usually without interest.

No, for a book use 'amanat gereftan' or 'gharz gereftan'. Vām is only for money.

It is a special loan given by the Iranian government to newly married couples.

You can say 'vām rā pas dādan' or more formally 'bāzpardākht-e vām'.

Yes, but 'tas-hilāt' is often preferred in very formal banking contexts.

A 'zāmen' is a guarantor who signs for your loan and is responsible if you don't pay.

It is called 'nerkh-e sud'.

Yes, it is very common for housing, cars, and business due to economic conditions.

It is a mortgage or housing loan.

No, it is a noun that needs 'dādan' or 'gereftan' to become a verb.