贷款
An amount of money borrowed from a bank or financial institution that must be paid back; to borrow money.
Examples
3 of 5由于信用良好，他的贷款申请很快被批准了。
Due to good credit, his loan application was quickly approved.
许多大学生依靠助学贷款完成学业。
Many college students rely on student loans to complete their studies.
他在考虑是否要贷款买车。
He is considering whether to take a loan to buy a car.
Word Family
Memory Tip
Dai (Borrow/Lend) + Kuan (Funds) = Borrowing funds.
Quick Quiz
为了创业，他向银行申请了一笔十万元的___。
Correct!
The correct answer is: 贷款
Examples
由于信用良好，他的贷款申请很快被批准了。
businessDue to good credit, his loan application was quickly approved.
许多大学生依靠助学贷款完成学业。
academicMany college students rely on student loans to complete their studies.
他在考虑是否要贷款买车。
everydayHe is considering whether to take a loan to buy a car.
银行提高了贷款利率。
businessThe bank raised the loan interest rates.
小微企业往往面临贷款难的问题。
academicSmall and micro enterprises often face difficulties in getting loans.
Word Family
Common Collocations
Common Phrases
个人贷款
personal loan
按揭贷款
mortgage loan
无息贷款
interest-free loan
Often Confused With
借钱 is a general term for borrowing money (informal), while 贷款 is a formal financial term involving institutions.
Usage Notes
Crucial for IELTS Academic Writing Task 2 topics regarding education, housing, and economy.
Common Mistakes
Confusing 贷款 (loan) with 存款 (deposit).
Memory Tip
Dai (Borrow/Lend) + Kuan (Funds) = Borrowing funds.
Word Origin
Combining characters for 'to lend/borrow' and 'money/funds'.
Grammar Patterns
Cultural Context
In modern China, 'Fang Dai' (mortgage) is a major topic for young adults.
Quick Quiz
为了创业，他向银行申请了一笔十万元的___。
Correct!
The correct answer is: 贷款
Related Vocabulary
More finance words
测算
B2To calculate and estimate based on data, formulas, or measurements. Often used in technical or financial planning.
削减
B1To reduce the amount or number of something significantly, especially applied to budgets, expenses, or staff.
损失
B1The state of no longer having something or having less of it than before; to lose something valuable.
债务
B1Something, typically money, that is owed or due to someone else.
稳健
B2Steady, robust, and reliable; avoiding risks or showing sound judgment.
储蓄
B1To save money for future use, often in a bank; the total amount of money saved.
预算
B1An estimate of income and expenditure for a set period of time, or to plan how much money will be spent.
支付
B1The act of paying money for goods, services, or debts. A high-frequency word for IELTS General related to shopping and services.
保险
B1A system of protection against loss in which a company provides a guarantee of compensation for specified damage or illness in return for payment of a premium.
费用
B1An amount of money that you must pay for something.
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