Bên cạnh phân tích thêm các đề thi IELTS Writing thật đã được ra thi, và có học sinh của IELTS TUTOR tham dự, IELTS TUTOR tổng hợp Từ vựng topic Borrowing or lending IELTS SPEAKING PART 1
I. Từ vựng theo word family
1. Noun
IELTS TUTOR lưu ý:
1. Loan
Definition: A sum of money that is borrowed, usually from a bank, and has to be paid back with interest.
IELTS TUTOR xét ví dụ: Many students take out a loan to finance their higher education.
2. Collateral
Definition: An asset pledged as security for a loan, which the lender can take if the borrower fails to repay.
IELTS TUTOR xét ví dụ: The bank required his house as collateral before approving the mortgage.
3. Debt
Definition: Money that is owed to another person or institution.
IELTS TUTOR xét ví dụ: Rising levels of personal debt have become a serious issue in modern economies.
4. Creditor
Definition: A person, company, or institution to whom money is owed.
IELTS TUTOR xét ví dụ: Creditors often impose strict repayment deadlines to protect their financial interests.
5. Borrower
Definition: A person or organization that receives money with the obligation to return it, often with interest.
IELTS TUTOR xét ví dụ: The borrower failed to make his monthly repayments on time.
6. Lender
Definition: A person or financial institution that gives money to someone under the condition that it will be repaid.
IELTS TUTOR xét ví dụ: Lenders usually charge higher interest rates to borrowers with poor credit histories.
7. Repayment
Definition: The act of paying back borrowed money.
IELTS TUTOR xét ví dụ: The repayment of student loans can take decades for some graduates.
8. Overdraft
Definition: An arrangement allowing a person to withdraw more money from a bank account than they actually have.
IELTS TUTOR xét ví dụ: He accidentally went into overdraft after forgetting about a direct debit payment.
9. Mortgage
Definition: A specific type of loan used to buy property, where the property itself serves as security.
IELTS TUTOR xét ví dụ: Many young couples struggle to qualify for a mortgage due to high housing prices.
10. Interest
Definition: The extra money paid to a lender as a charge for borrowing their money.
IELTS TUTOR xét ví dụ: High interest rates make borrowing less attractive for small businesses.
11. Credit limit
Definition: The maximum amount of money a lender allows someone to borrow.
IELTS TUTOR xét ví dụ: Many young adults struggle financially because they often exceed their credit limit on credit cards.
12. Debt burden
Definition: The heavy financial pressure caused by owing a large sum of money.
IELTS TUTOR xét ví dụ: University graduates in some countries face a serious debt burden due to high tuition fees.
13. Loan repayment
Definition: The act of paying back borrowed money in installments.
IELTS TUTOR xét ví dụ: Failure to keep up with loan repayments can damage a person’s credit rating.
14. Interest rate
Definition: The percentage charged by a lender for the use of borrowed money.
IELTS TUTOR xét ví dụ: Rising interest rates make it harder for people to borrow for mortgages.
15. Credit history
Definition: A record of a borrower’s past loans and repayments.
IELTS TUTOR xét ví dụ: Without a strong credit history, it is difficult to secure a bank loan.
16. Collateral security
Definition: Property or assets pledged as a guarantee for loan repayment.
IELTS TUTOR xét ví dụ: Banks often require collateral security before approving large business loans.
17. Payment deadline
Definition: The specific date by which borrowed money must be repaid.
IELTS TUTOR xét ví dụ: Missing a payment deadline can result in additional charges and penalties.
18. Overdraft facility
Definition: Permission from a bank to withdraw more money than is available in the account.
IELTS TUTOR xét ví dụ: An overdraft facility can provide short-term relief but may lead to long-term debt.
19. Financial obligation
Definition: A responsibility to pay money that is owed.
IELTS TUTOR xét ví dụ: People must consider their financial obligations carefully before taking out multiple loans.
20. Mortgage loan
Definition: Money borrowed from a bank to buy a house, usually repaid over many years.
IELTS TUTOR xét ví dụ: For most families, a mortgage loan is the biggest borrowing commitment of their lives.
2. Adj
IELTS TUTOR lưu ý:
1. Indebted
Definition: Owing gratitude or money to someone.
IELTS TUTOR xét ví dụ: Many students feel indebted to banks after taking out large educational loans.
2. Overdue
Definition: Not paid or returned by the expected time.
IELTS TUTOR xét ví dụ: The library imposed a fine on him for an overdue book.
3. Solvent
Definition: Having enough money to pay debts.
IELTS TUTOR xét ví dụ: Unlike many small companies, she managed to remain solvent during the economic crisis.
4. Bankrupt
Definition: Declared unable to pay debts.
IELTS TUTOR xét ví dụ: The firm went bankrupt after failing to repay millions in borrowed capital.
5. Credible
Definition: Trustworthy; believable (often used about borrowers or lenders).
IELTS TUTOR xét ví dụ: Only credible applicants with stable jobs are granted housing loans.
6. Frugal
Definition: Using money carefully and avoiding waste.
IELTS TUTOR xét ví dụ: His frugal lifestyle allowed him to repay all his debts ahead of time.
7. Extravagant
Definition: Spending too much money; wasteful.
IELTS TUTOR xét ví dụ: An extravagant borrower may struggle to pay back even small amounts.
8. Obligatory
Definition: Required by law, rules, or a debt agreement.
IELTS TUTOR xét ví dụ: It is obligatory for borrowers to make monthly repayments to avoid penalties.
9. Unreliable
Definition: Not trustworthy in keeping promises or repaying.
IELTS TUTOR xét ví dụ: Lenders are hesitant to support unreliable clients who often miss payment deadlines.
10. Generous
Definition: Willing to give or lend more than expected.
IELTS TUTOR xét ví dụ: Her generous nature led her to lend money to friends without expecting repayment.
11. Interest-free
Definition: without charging any interest.
IELTS TUTOR xét ví dụ: Many students prefer interest-free loans provided by the government to avoid long-term debt.12. Debt-ridden
Definition: heavily burdened with debts.
IELTS TUTOR xét ví dụ: Some young adults become debt-ridden after taking multiple loans to fund their studies and lifestyle.13. Well-off
Definition: financially comfortable or wealthy.
IELTS TUTOR xét ví dụ: Well-off families rarely need to borrow money, as they can afford to cover unexpected expenses.14. Cash-strapped
Definition: having very little money available.
IELTS TUTOR xét ví dụ: Cash-strapped individuals often resort to borrowing from friends or short-term lenders.15. High-interest
Definition: involving a high rate of interest.
IELTS TUTOR xét ví dụ: Credit cards are often criticized for their high-interest charges, which trap people in debt.16. Risk-averse
Definition: unwilling to take financial risks.
IELTS TUTOR xét ví dụ: Risk-averse people are less likely to lend money to acquaintances without a written agreement.17. Money-minded
Definition: having a strong interest in money and financial matters.
IELTS TUTOR xét ví dụ: Some money-minded lenders prioritize profit over helping borrowers in genuine need.18. Short-term
Definition: lasting for a brief period.
IELTS TUTOR xét ví dụ: A short-term loan can be useful for emergencies but may come with higher repayment rates.19. Long-term
Definition: extending over a long period of time.
IELTS TUTOR xét ví dụ: Taking out a long-term mortgage is often unavoidable when purchasing a house.20. Well-documented
Definition: officially recorded and supported with written evidence.
IELTS TUTOR xét ví dụ: Lending between strangers should be well-documented to prevent misunderstandings.
3. Phrasal verb
IELTS TUTOR lưu ý:
1. Take out (a loan)
Definition: To officially arrange to borrow money from a bank or other institution.
IELTS TUTOR xét ví dụ: Many students have to take out a loan to pay for their university tuition fees.
2. Pay back
Definition: To return the money you borrowed to the lender.
IELTS TUTOR xét ví dụ: She promised to pay back the money within three months.
3. Run up (a debt)
Definition: To accumulate debt by borrowing or spending excessively.
IELTS TUTOR xét ví dụ: During his first year at college, he ran up a huge debt on his credit card.
4. Pay off
Definition: To finish paying a debt completely.
IELTS TUTOR xét ví dụ: It took them 20 years to finally pay off their mortgage.
5. Fork out (for something)
Definition: To unwillingly spend or lend a large amount of money.
IELTS TUTOR xét ví dụ: I had to fork out $500 to help my cousin repair his car.
6. Cough up
Definition: To give money (often reluctantly) that you owe.
IELTS TUTOR xét ví dụ: After weeks of avoiding me, he finally coughed up the money I had lent him.
7. Come up with
Definition: To manage to find or provide money when needed.
IELTS TUTOR xét ví dụ: She had to come up with the deposit before the bank would approve her loan.
8. Take after (someone financially)
Definition: To behave like a family member in money habits.
IELTS TUTOR xét ví dụ: He really takes after his father in always borrowing but never lending.
9. Hand over
Definition: To give money or possessions to someone, often unwillingly.
IELTS TUTOR xét ví dụ: The bank demanded that he hand over his car as collateral for the loan.
10. Fall behind (on payments)
Definition: To not make payments on time for money borrowed.
IELTS TUTOR xét ví dụ: Many families have fallen behind on their rent due to rising living costs.
4. Adv
IELTS TUTOR lưu ý:
Temporarily – for a short period of time.
IELTS TUTOR xét ví dụ: I only borrowed the money temporarily, until I received my salary.Reluctantly – unwillingly or with hesitation.
IELTS TUTOR xét ví dụ: He reluctantly lent his car to his cousin because he feared it might get damaged.Willingly – with readiness or enthusiasm.
IELTS TUTOR xét ví dụ: She willingly lent her notes to her classmates to help them prepare for the exam.Generously – in a way that shows kindness or willingness to give.
IELTS TUTOR xét ví dụ: The bank generously extended the repayment period for borrowers facing financial hardship.Formally – in an official or proper manner.
IELTS TUTOR xét ví dụ: The agreement was formally signed before the money was lent to avoid future disputes.Casually – in an informal or relaxed way.
IELTS TUTOR xét ví dụ: He casually asked his friend for a small loan to cover his lunch.Urgently – in a manner that requires immediate action.
IELTS TUTOR xét ví dụ: She urgently borrowed money from her relatives to pay the hospital bills.Trustingly – in a way that shows reliance on someone’s honesty.
IELTS TUTOR xét ví dụ: He trustingly lent his laptop to a new colleague, believing it would be returned on time.Cautiously – in a careful and deliberate way.
IELTS TUTOR xét ví dụ: She cautiously lent money only to people she knew very well.Legally – in accordance with the law.
IELTS TUTOR xét ví dụ: The funds were legally borrowed from the bank, with all proper documents signed.
5. Idiom
IELTS TUTOR lưu ý:
Live on borrowed time
Definition: To continue existing longer than expected, as if extra time was borrowed.
IELTS TUTOR xét ví dụ: After losing his job, he felt he was living on borrowed time until his savings ran out.
Neither a borrower nor a lender be
Definition: A warning that borrowing or lending money can harm relationships.
IELTS TUTOR xét ví dụ: My father always tells me, “Neither a borrower nor a lender be,” to avoid financial conflicts with friends.
In someone’s debt
Definition: To owe someone because they have helped you.
IELTS TUTOR xét ví dụ: She offered me a loan when I was desperate, and I will always feel in her debt.
To borrow trouble
Definition: To create unnecessary problems by worrying too much or interfering.
IELTS TUTOR xét ví dụ: If you lend him money, you’re only borrowing trouble, because he never pays people back.
On the cuff
Definition: Something given on credit, without immediate payment.
IELTS TUTOR xét ví dụ: The shopkeeper let him take the groceries on the cuff until payday.
Pay through the nose
Definition: To pay much more than something is worth.
IELTS TUTOR xét ví dụ: Without borrowing from my friend, I would have had to pay through the nose for a loan at the bank.
Owe someone a debt of gratitude
Definition: To be very thankful to someone for their help.
IELTS TUTOR xét ví dụ: I owe a debt of gratitude to my professor, who lent me money to continue my studies abroad.
Cash on the nail
Definition: To pay immediately, without delay or credit.
IELTS TUTOR xét ví dụ: The landlord wanted the rent cash on the nail, so I couldn’t borrow more time to pay.
Rob Peter to pay Paul
Definition: To borrow money from one source just to pay another, without solving the problem.
IELTS TUTOR xét ví dụ: Taking out another loan is just robbing Peter to pay Paul.
A friend in need is a friend indeed
Definition: Someone who helps you when you are struggling (often by lending money or support) is a true friend.
IELTS TUTOR xét ví dụ: When I couldn’t pay my tuition fees, my classmate lent me money, proving that a friend in need is a friend indeed.
II. Từ vựng khác
IELTS TUTOR lưu ý:
- consider carefully
- I was very interested in those subjects but I didn’t have any related books
- it is people’s responsibility to buy their own things and should not always borrow things from others.
- Nhớ tham khảo kĩ cách tra các word form của từ mà IELTS TUTOR đã hướng dẫn kĩ
- If someone failed to return my belongings without any reason, I would feel disappointed and even angry at them, since they don’t respect promises.
- unavoidable circumstances
- pay unexpected expenses, such as an unexpected bill
- Manage my personal finances well
- exchange books with them
- low-cost objects like pens, food, stationery and household tools
- IELTS TUTOR có hướng dẫn cách dùng các từ ghép nhớ đọc kĩ
- lend sth out: cho mượn
- pricey products = valuable possessions such as laptops, cameras, motorcycles or even cars
- Vietnamese people in general are super kind and generous to those they are close to
- Tham khảo kĩ các từ chỉ tính cách của con người thường dùng trong IELTS SPEAKING mà IELTS TUTOR có hướng dẫn
- Money is also commonly borrowed, especially among family and friends
- never lend out expensive stuff to irresponsible people
- gave me a proper explanation
- Maybe they are dead broke or too desperate but at least they should be honest about their situation rather than running away with others belongings.
- For an item people only touch few times in their life, they are much better off borrowing it from others. However, for stuffs used on a regular basis like every day or every week, it makes sense to buy them instead. Also, it doesn’t feel good to ask people over and over to borrow the same things.
- show respect to others
- whenever my friends are throwing an event, they would ask to borrow my camera to take photos and videos of the event for marketing purposes.
- When people are in need of something and you have that thing but are not using it, you can help them out by letting them use it temporarily.
- Having said that, sometimes people are not very careful with things that are not their own, so lending things to others can be quite risky.
- life is a give and take game
- sharing things is a good way to get connected
- By lending stuffs to people, I would be more comfortable asking to borrow other items from them
- help those in need.
- it would cause trouble for both sides or even worse lead to a fierce argument which might put an end to their relationship.
- in case of emergency and especially for items of little value such as a pen or a piece of paper, I suppose it’s fine to just use them and tell the owners later
- It’s thus crucial to set out a specific returning time, kind of a deadline for borrowing in the first place.
- music could be easily downloaded for free
- Expensive possessions such as computers and cars are subject to costly damages
- The governments should also be more active in enforcing laws on intellectual and personal property rights.
- raise public awareness on this issue and encourage individuals to take initiatives
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