还款

• 拼音: huán kuǎn
• 汉字拆解: 还 = 辶 + 不 simplified (movement + return); 款 = 欠 + 示 (owe + indicate, a sum owed)

含义

To repay a loan; loan repayment. The act of returning borrowed money to a lender according to agreed terms.

A common financial term used in banking, personal finance, and legal contexts. Collocates with 按时, 分期, 提前, and 逾期. Increasingly relevant in everyday speech due to the prevalence of credit cards, mortgages, and consumer loans.

例句

1. 他每月按时还款，从未有过逾期记录。
2. 贷款合同明确规定了还款方式和还款周期。
3. 提前还款可以减少利息支出，但需要向银行提出申请。

用法指南

语境: finance, banking, legal, personal finance

语气: neutral

正确说法

• 请务必在每月还款日之前将款项转入指定账户，以免产生逾期费用。(Please make sure to transfer the funds into the designated account before the monthly repayment date to avoid late fees.)
• 银行建议借款人尽量选择等额本息的还款方式，以便做好长期财务规划。(The bank recommends that borrowers choose equal principal and interest repayments where possible, to facilitate sound long-term financial planning.)

错误说法

• 还款 informally for paying back small amounts owed to friends — use 还钱 in casual speech; 还款 has a formal, contractual connotation suited to institutional lending

起源与历史

还 (return/repay) + 款 (funds/sum of money)

文化背景

世代: Adults

社会背景: Universal