‘你欠我錢很久了，什麼時候可以還？’ 的英語表達方式

You've owed me money for a long time. When will you pay me back?

A. 生活化、口語化的說法

"You've owed me money for a while now. When can you pay me back?"
「你欠我錢已經有一陣子了。你什麼時候能還我？」
"Hey, remember that money you borrowed? When are you gonna pay me back?"
「嘿! 還記得你借的那筆錢嗎？你什麼時候要還我？」
"Dude, you still owe me cash. What's the deal?"
「兄弟，你還欠我錢(你錢還沒還)。怎麼回事？」
"I've been waiting on that money for ages. When can I expect it back?"
「我等那筆錢等很久了。我什麼時候能拿的回來？」
"So... about that money you borrowed - any chance I'll see it soon?"
「所以...關於你借的那筆錢 - 我有機會很快拿回來(看到它) 嗎？」

"I hope you don't mind me bringing this up, but you've had that loan for quite some time. When might you be able to repay it?"
「希望你不介意我提起這件事，但那筆貸款你已經拿了很長時間。你什麼時候可能可以償還？」
"I was wondering if you could update me on when you might be able to return the money I lent you?"
「我想知道你是否能夠告訴我，你什麼時候可能可以歸還我借給你的錢？」
"I don't want to pressure you, but it's been quite a while since I lent you that money. Do you have a timeline for repayment?"
「我不想給你壓力，但自從我借錢給你已經很久了(有段時間了 )。你有還款的時間表嗎？」
"When you have a chance, could we discuss the repayment of the loan I provided?"
「當你有時間時，我們能討論一下我提供的那筆貸款的償還事宜嗎？」

❌ 錯誤： "You owe my money very long time."
✅ 正確： "You've owed me money for a long time."

說明： 時態要用現在完成時，且語序要正確

❌ 錯誤： "When can you give back my money?"
✅ 正確： "When can you pay me back?" / "When can you return my money?"

說明： "Give back" 太直接，用 "pay back" 或 "return" 更合適

❌ 錯誤： "You debt me money long time."
✅ 正確： "You've owed me money for a long time."

說明： "Debt" 是名詞，不能當動詞用；應該用 "owe"

Owe (v.) - 欠債、虧欠
"I owe you $50."
「我欠你50元。」
Outstanding (adj.) - 未償還的、未解決的
"You have an outstanding balance of $200."
「你有200元的未償餘額。」
Overdue (adj.) - 逾期的、過期的
"Your payment is three weeks overdue."
「你的應繳帳款已經逾期三週了。」
Follow up (v.) - 追蹤、跟進、後續
"I'm following up on the money you borrowed."
「我想知道你之前跟我借的錢的後續。」
Settle (v.) - 結清、償還
"When can you settle this debt?"
「你什麼時候能結清這筆債務？」
Behind on payments - 拖欠付款
"You're behind on your payments."
「你拖欠了付款。」
Chase someone (for money) - 催討(欠款)
"I hate having to chase people for money."
「我討厭為了錢催人。」
What's the holdup? - 什麼在拖延？為什麼耽擱？
"What's the holdup on that repayment?"
「那筆還款為什麼耽擱了？」

範例 1：朋友欠錢買午餐（小額，一週）

溫和版：
"Hey, just a friendly reminder about that $20 from last week. When's good for you to pay me back?"
「嘿，友善提醒一下關於上週的那20元。你什麼時候方便還我？」
直接版：
"Yo, you still owe me twenty bucks from lunch last week. Can you Venmo me today?"
「喂！你還欠我上週午餐的二十塊。你今天能用Venmo轉給我嗎？」

範例 2：同事欠錢坐計程車（中額，一個月）

專業版：
"I don't mean to be pushy, but it's been about a month since I covered your taxi fare. Could we work out a repayment schedule?"
「我不想催促，但我替你付計程車費已經大約一個月了。我們能製定一個還款時程嗎？」
直接版：
"It's been a month since I spotted you that cab money. What's the deal? When can you pay me back?"
「我借你計程車錢已經一個月了。怎麼回事？你什麼時候能還我？」

範例 3：家人欠錢應急（大額，三個月）

正式版：
"I wanted to discuss the $500 loan from three months ago. I know times are tough, but could we at least set up a payment plan?"
「我想討論三個月前那500元貸款的事。我知道時機不好，但我們至少能設置一個還款計劃嗎？」
關切版：
"I'm starting to worry about that money I lent you. It's been three months - is everything okay? When do you think you can start paying me back?"
「我開始擔心借給你的那筆錢。已經三個月了，一切都好嗎？你覺得什麼時候能開始還我？」