还款 (huánkǎn) refers to the act of repaying borrowed money, including principal and interest.
Palavra em 30 segundos
- Repayment of borrowed money and interest.
- Crucial in financial and loan contexts.
- Involves fulfilling debt obligations on time.
Overview
“还款”是一个非常常用的中文词汇，主要指借款人履行偿还债务的义务。无论是个人贷款、房屋抵押贷款、信用卡账单还是商业贷款，到期都需要进行还款。这个词语的核心在于“还”，即归还；“款”则指款项、金钱。因此，还款就是把借来的钱还回去。
“还款”通常作为名词使用，表示偿还的行为或过程。它经常与“贷款”、“债务”、“利息”、“本金”、“日期”、“方式”、“提前”等词语搭配使用。例如，我们会说“按时还款”、“提前还款”、“无力还款”、“还款计划”等。在动词短语中，也可以说“进行还款”或“完成还款”。
还款的场景非常广泛，几乎涵盖了所有涉及借贷关系的领域。
**付账 (fùzhàng)**：指支付账单或款项，通常是购买商品或服务后立即支付，不一定涉及借贷关系。例如，“付账买单”、“付水电费”。
“还款”特指归还借款本息的过程，是金融和信贷领域的核心词汇。
Exemplos
请确保在每月15号前完成信用卡还款。
everydayPlease ensure your credit card repayment is completed before the 15th of each month.
借款人需严格按照合同约定履行还款义务。
formalThe borrower must strictly fulfill the repayment obligation as stipulated in the contract.
我这个月工资发了，得赶紧还款。
informalI got paid this month, I need to hurry up with the repayment.
该金融产品提供多种灵活的还款选项以满足不同客户的需求。
academicThis financial product offers various flexible repayment options to meet the needs of different customers.
Colocações comuns
Frases Comuns
按时还款
Repay on time
提前还款
Early repayment
分期还款
Installment repayment
Frequentemente confundido com
While '偿还' also means to repay debt, it's often more formal and can extend to repaying favors or sacrifices. '还款' specifically refers to financial repayment.
'归还' means to return something that was borrowed or doesn't belong to you. It can be used for money but is more commonly used for objects like books or tools.
Padrões gramaticais
How to Use It
Notas de uso
1. '还款' is primarily used in financial and loan contexts. 2. It functions as a noun referring to the act of repayment. 3. You can also use it in verb phrases like '进行还款' (to carry out repayment). 4. Ensure you use it when discussing debt settlement.
Erros comuns
1. Confusing '还款' with general '付钱' (paying money) for purchases. 2. Using '还款' when referring to returning physical items. 3. Forgetting to include '利息' (interest) when discussing the full scope of repayment.
Tips
Always track your repayment dates.
Set reminders for loan and credit card repayments to avoid late fees and credit score damage.
Understand loan terms carefully.
Before taking a loan, be clear about the repayment schedule, interest rates, and any associated fees.
Importance of fulfilling financial obligations.
In Chinese culture, timely repayment is highly valued as a sign of integrity and trustworthiness (信誉 - xìnyù).
Origem da palavra
'还' (huán) originally meant to return something to its original place or owner. '款' (kuǎn) refers to money, funds, or a sum of money. Together, '还款' signifies the act of returning borrowed funds.
Contexto cultural
Fulfilling financial obligations like repayment is deeply ingrained in Chinese culture, emphasizing responsibility and building trust ('信誉'). Failure to repay can carry significant social stigma.
Dica de memorização
Think of '还' (huán) as 'return' and '款' (kuǎn) as 'money'. So, '还款' literally means 'return money', specifically money you owe.
Perguntas frequentes
4 perguntas“还款”特指归还借来的款项，通常包含本金和利息。而“付钱”是一个更广泛的概念，泛指支付任何款项，比如购买商品、服务等，不一定涉及借贷。
提前还款可以减少需要支付的利息总额，从而节省金钱。同时，它也能帮助借款人更快地摆脱债务负担，改善信用记录。
错过还款日期通常会导致产生逾期罚息，增加还款金额。长期逾期还会严重损害个人信用记录，影响未来贷款或信用卡申请。
常见的还款方式包括等额本息、等额本金、按期付息到期还本等。具体方式取决于贷款合同的约定。
Teste-se
我需要每月按时______，才能还清房贷。
句意是关于归还贷款，所以“还款”最合适。
由于资金周转困难，他暂时无法按期______。
句子的意思是“无法按时归还欠款”，因此“还款”是正确答案。
词语：计划、制定、还款、我们、一个、需要
这是一个主谓宾结构的句子，“我们”是主语，“需要制定”是谓语，“一个还款计划”是宾语。
Pontuação: /3
Summary
还款 (huánkǎn) refers to the act of repaying borrowed money, including principal and interest.
- Repayment of borrowed money and interest.
- Crucial in financial and loan contexts.
- Involves fulfilling debt obligations on time.
Always track your repayment dates.
Set reminders for loan and credit card repayments to avoid late fees and credit score damage.
Understand loan terms carefully.
Before taking a loan, be clear about the repayment schedule, interest rates, and any associated fees.
Importance of fulfilling financial obligations.
In Chinese culture, timely repayment is highly valued as a sign of integrity and trustworthiness (信誉 - xìnyù).
Exemplos
4 de 4请确保在每月15号前完成信用卡还款。
Please ensure your credit card repayment is completed before the 15th of each month.
借款人需严格按照合同约定履行还款义务。
The borrower must strictly fulfill the repayment obligation as stipulated in the contract.
我这个月工资发了，得赶紧还款。
I got paid this month, I need to hurry up with the repayment.
该金融产品提供多种灵活的还款选项以满足不同客户的需求。
This financial product offers various flexible repayment options to meet the needs of different customers.
Related Content
Esta palavra em outros idiomas
Vocabulário relacionado
Mais palavras de money
股票
A2stock, share
利息
B1interest (on a loan)
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.
赔钱
A2to lose money (in business)
本钱
A2Capital (for business).
兑付
B2Cash (a check); honor (payment).
股价
B1Stock price; the current price at which a stock is trading.
邮费
A2postage
