贷 meaning and stroke order

dài

To borrow; to lend; to pardon

Strokes9
Pinyindài
ToneTone 4
Frequency#2,186

How to write 贷, stroke by stroke

9 strokes in order. Each box adds the next stroke in red. Write top to bottom and left to right, and finish enclosing strokes last.

  1. 1
  2. 2
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  9. 9

Meaning of 贷

Definitions from CC-CEDICT, grouped by pronunciation.

dàifourth tone (falling)
  1. to lend on interest
  2. to borrow
  3. a loan
  4. leniency
  5. to make excuses
  6. to pardon

How 贷 is built

Phono-semantic (sound + meaning) character. Money.

贝 gives the meaning and 代 hints at the sound.

Radical: 贝 (sea shell), shared by 63 characters on this site.

How to remember 贷

贷 puts 代 (dài, to replace) on top of 贝 (bèi, shell, an old symbol of money). Think of money that stands in for money you do not have yet, which is a loan, and 代 also gives the sound dài.

贷 is rarely used alone in everyday speech. It mostly appears in money words like 贷款 (dàikuǎn, loan), 房贷 (fángdài, mortgage) and 信贷 (xìndài, credit). Example: 我每个月还房贷。(Wǒ měi gè yuè huán fángdài.) I pay my mortgage every month.

Common mistake: Learners often confuse 贷 (dài) with 货 (huò, goods), since both sit on 贝 and the tops look alike. 贷 has 代 with an extra dot stroke on the right, while 货 has 化 on top.

Common words with 贷

Ordered by HSK level, then by how often they appear in everyday Chinese.

WordPinyinMeaningLevel
贷款dàikuǎna loan; to provide a loan (e.g. bank)HSK 5
信贷xìndàicredit; borrowed moneyHSK 7-9
房贷fángdàihome loan
高利贷gāolìdàihigh-interest loan; usury
借贷jièdàito borrow or lend money; debit and credit items on a balance sheet

贷 in example sentences

Real sentences from the Tatoeba project, with pinyin and English.

现xiàn在zài的de贷dài款kuǎn利lì率lǜ很hěn高gāo。
Interest on loans is high at present.
他tā从cóng银yín行háng得dé到dào了le贷dài款kuǎn。
He got a loan from the bank.
你nǐ可kě以yǐ从cóng银yín行háng贷dài款kuǎn。
You can get a loan from a bank.
莎shā米mǐ向xiàng银yín行háng贷dài款kuǎn。
Sami took a loan from the bank.
我wǒ不bù需xū要yào贷dài款kuǎn了le。
I do not need a loan anymore.

Questions about 贷

How many strokes are in 贷?

贷 is written with 9 strokes. The diagrams on this page number every stroke in the order it is written, with the new stroke shown in red.

What does 贷 mean?

贷 (dài) means to borrow; to lend; to pardon. A common word with it is 贷款 (dàikuǎn), meaning "a loan; to provide a loan (e.g. bank)".

How do you pronounce 贷?

贷 is pronounced dài, in the fourth tone (falling).

What is the radical of 贷?

The radical of 贷 is 贝, which carries the idea of "sea shell". Dictionaries list 贷 under this radical.

What is the traditional form of 贷?

The traditional form of 贷 is 貸. Traditional characters are used in Taiwan, Hong Kong and Macau; 贷 is the simplified form used in mainland China and Singapore.

Is 贷 on the HSK exam?

Yes. 贷 is part of the HSK 5 character list in the HSK 3.0 standard.

What is the difference between 借 and 贷?

借 (jiè) is the everyday word for borrowing or lending anything, like a pen or a book. 贷 is formal and financial, used for loans with interest from banks or lenders.

Does 贷 mean to borrow or to lend?

It can mean both, depending on context. A bank 贷款给你 (lends you money), and you 向银行贷款 (borrow from the bank). The noun 贷款 simply means a loan.

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