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March 24, 2026
贷款(貸款)dàikuǎn(dai4kuan3)
贷款 (dài kuǎn) refers to a sum of money that is borrowed, typically from a financial institution, with the expectation of repayment along with interest. It is commonly used in contexts such as personal loans, mortgages, and business financing, emphasizing the importance of understanding terms and conditions before borrowing.
Frequency#4100DifficultyHard
Cultural Note
In China, the concept of 贷款 is deeply embedded in both personal and business finances, with many people relying on loans for purchasing homes or funding startups, reflecting the country's rapid economic growth and consumer culture.
Memory Tip
Imagine a 'dai' (大) giant who needs a 'kuan' (款) of money to buy a castle. The giant represents the borrower, and the money symbolizes the loan. Visualizing this scenario can help you remember both the sound and meaning of 贷款.
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AI Study Notes for 贷款
Memory Mnemonic
Imagine a 'dai' (大) giant who needs a 'kuan' (款) of money to buy a castle. The giant represents the borrower, and the money symbolizes the loan. Visualizing this scenario can help you remember both the sound and meaning of 贷款.
Usage Notes
Be careful not to confuse 贷款 with 借 (jiè), which means 'to borrow' in a more informal sense. 贷款 is typically used in formal contexts, especially related to banks or financial institutions. Common collocations include 申请贷款 (apply for a loan) and 批准贷款 (approve a loan).
HSK Study Tips
As an HSK 5 word, 贷款 connects with other financial terms like 利息 (lìxī, interest) and 还款 (huán kuǎn, repayment). Focus on understanding loan types and usage in sentences to reinforce your vocabulary.
Cultural Note
In China, the concept of 贷款 is deeply embedded in both personal and business finances, with many people relying on loans for purchasing homes or funding startups, reflecting the country's rapid economic growth and consumer culture.
Common Mistakes
Learners often misuse 贷款 in casual conversations, thinking it can replace 借. For example, saying '我想贷款钱' (Wǒ xiǎng dàikuǎn qián) is incorrect; it should be '我想借钱' (Wǒ xiǎng jiè qián) for informal borrowing.
AI-enhanced 2026-03-24
Pronunciation of 贷款
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Grammar Patterns of 贷款
贷款 functions as a noun — it names a person, place, thing, or concept. Place it as a subject before the verb (主+谓) or as an object after the verb (谓+宾). Most Chinese nouns require a measure word between the number and the noun (e.g. 一个/三本). It carries 4 related meanings, each with its own usage notes below. The example sentences below show it in action, with practice buttons (Listen, Practice Writing, Practice Speaking) on every line.
Exercise 1 of 4
Complete the Sentence
老实讲，托马斯，你____的问题开始让我担心了。
Frankly, Thomas, this question of your loan is beginning to worry me.
Example Sentences for 贷款 (10)
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1
老实讲，托马斯，你贷款的问题开始让我担心了。
lǎo shí jiǎng， ， tuō mǎ， sī ， nǐ dài kuǎn de wèn tí kāi shǐ ràng wǒ dān。
Frankly, Thomas, this question of your loan is beginning to worry me.
This means smaller banks can cream off big profits during lending booms.
10
银行贷款利率高得太离谱.
yín háng dài kuǎn lì shuài gāo dé tài lí pǔ.
The band loan rate is unbelievably high.
Cultural Notes for 贷款
🏮Cultural insight
In China, the concept of 贷款 is deeply embedded in both personal and business finances, with many people relying on loans for purchasing homes or funding startups, reflecting the country's rapid economic growth and consumer culture.
🌏Cross-cultural Insight
In Western cultures, loans are often associated with credit scores and personal financial history, while in China, social relationships and trust can also play significant roles in the lending process.
Frequently Asked Questions about 贷款
贷款 specifically refers to loans from financial institutions, whereas 借款 can refer to borrowing from anyone, including friends.
You say '申请贷款' (shēnqǐng dàikuǎn).
Yes, 贷款 can refer to both personal loans and business financing.
