I can lend you money, but it’ll come with interest and you need to sign an IOU.
A. 生活化、口語化的說法
- "I can lend you the money, but I'll need to charge interest and we'll need to put it in writing."
「 我可以借錢給你，但我需要收利息，而且我們要寫下來。」 - "Sure, I can loan you the cash, but there's gonna be interest and I want an IOU."
「 當然，我可以借現金給你，但會有利息，而且我要一張借據。」 - "I'm okay with lending it, but we're talking interest plus a written agreement."
「 我可以借給你，但我們要談利息加上書面協議。」 - "I can help you out, but it's not gonna be free - interest and paperwork."
「 我可以幫你，但不會是免費的 - 要利息和文件。」
B. 客氣、有禮貌的說法
- "I'd be happy to lend you the money, but I would need to charge a reasonable interest rate and have a written agreement in place."
「 我很樂意借錢給你，但我需要收取合理的利息並寫下書面協議。」 - "I'm willing to help, but I'll need to treat this as a formal loan with interest and proper documentation."
「 我願意幫忙，但我需要將此視為正式貸款，包含利息和適當的文件記錄。」 - "Certainly, I can provide the loan, but we'll need to establish terms including interest and a promissory note."
「 當然! 我可以提供這筆貸款，但我們需要建立(約定)條款，包括利息和本票。」 - "I'm open to lending the money, but we should formalize it with interest charges and a loan agreement."
「 我願意借錢，但我們應該正式化處理(需要正式一點)，包含利息費用和貸款協議。」
C. 中文學習者容易犯的錯誤
❌ 錯誤： "I can borrow money to you, but need calculate interest."
✅ 正確： "I can lend money to you, but I need to charge interest."
說明： 再次提醒 - "lend" 是借出，"borrow" 是借入
❌ 錯誤： "You must write a borrow paper."
✅ 正確： "You need to sign an IOU." / "We need a written agreement."
說明： 不要直譯「借據」為 "borrow paper"
❌ 錯誤： "I will count interest on the money."
✅ 正確： "I will charge interest on the loan."
說明： "Count" 在這裡不合適，應該用 "charge" (收取)
D. 相關單字與片語說明
- Interest - 利息
"The interest rate is 5% per month."
「 利率是每月5%。」 - IOU - 借據（I Owe You的縮寫）
"Just write me an IOU for $100."
「 就寫張100元的借據給我。」 - Promissory note - 本票、借據（正式）
"We'll need a promissory note for this loan."
「 這筆貸款我們需要一張本票。」 - Loan agreement - 貸款協議
"Let's draft a simple loan agreement."
「 我們來草擬一份簡單的貸款協議。」 - Charge interest - 收取利息
"Banks charge interest on loans."
「 銀行對貸款收取利息。」 - Collateral - 抵押品
"Do you have any collateral for this loan?"
「 你有這筆貸款的抵押品嗎？」 - Terms and conditions - 條款和條件
"Please read the terms and conditions carefully."
「 請仔細閱讀條款和條件。」 - Default - 違約
"What happens if I default on the loan?"
「 如果我貨款違約了會怎樣？」
E. 練範例
- 情境 1：朋友借錢買車
"I can loan you the $5,000 for the car, but I'm gonna need 3% interest monthly and an IOU signed."
「我可以借你5,000元買車，但我需要每月3%的利息和簽署的借據。」
"I'm willing to provide the $5,000 loan for your vehicle purchase, but we'll need to establish a 3% monthly interest rate and execute a promissory note."
「我願意為你購車提供5,000元貸款，但我們需要建立每月3%的利率並簽署本票。」 - 情境 2：同事借錢創業
"I can help with the startup money, but we're talking business here - interest plus a proper loan agreement."
「我可以幫忙提供創業資金，但我們是在談生意 - 要利息加上正式的貸款協議。」
"I'm prepared to invest in your business venture, but this would be a formal loan with agreed-upon interest rates and comprehensive documentation."
「我準備投資你的創業項目，但這將是正式貸款，有商定的利率和完整的文件記錄。」 - 情境 3：家人借錢付學費
"I can cover your tuition, but even family loans need interest and paperwork. Let's keep it fair."
「我可以幫你付學費，但即使是家庭貸款也需要利息和文件。讓我們保持公平。」
"I'm happy to assist with your educational expenses, but I believe it's important to formalize this arrangement with reasonable interest and proper documentation."
「我很高興協助你的教育費用，但我認為重要的是將此安排正式化，包含合理利息和適當文件記錄。」