Meaning
贷款 refers to money borrowed from a bank or financial institution that must be repaid with interest. As a noun it means 'loan' or 'credit'; as a verb it means 'to lend money' or 'to take out a loan'. This is the standard term used in formal banking contexts and everyday conversations about mortgages, student loans, or business financing.
Usage
This word is used in both formal financial contexts and everyday speech when discussing borrowing money from banks or lending institutions. When used as a verb, the subject is typically the bank (lending) or the borrower (taking out a loan), depending on context. Common in discussions about housing purchases, starting businesses, or education financing.
Examples
- 01我们向银行申请了一笔房屋贷款。.We applied to the bank for a housing loan.
- 02他每个月要还五千元的贷款。.He has to repay 5,000 yuan in loans every month.
Characters
Measure words
- 笔一笔贷款
- 项几项贷款
Common collocations
- 申请贷款to apply for a loan
- 房屋贷款housing loan, mortgage
- 银行贷款bank loan
- 偿还贷款to repay a loan
Antonyms
Origin
贷 originally meant 'to lend' in classical Chinese, while 款 refers to a 'sum of money' or 'fund'. Together they form the modern compound meaning 'loan' or the act of lending/borrowing money.