中文語感人的英語學習本

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。」