借贷与债务

借钱的含义；贷款必须连本带息偿还；什么是信用；为什么债务过多会有风险；负责任地借贷

What borrowing money means; that loans must be repaid with interest; what credit is; why too much debt can be risky; responsible borrowing

学习证据 / Evidence

• 解释什么是贷款，以及借来的钱必须连本带息（支付额外利息）偿还。
• 举例说明什么时候借钱是合理的（如买房），什么时候是有风险的（如购买负担不起的奢侈品）。
• 描述如果一个人借了太多钱而无法偿还，会发生什么。

• Explain what a loan is and that borrowed money must be paid back with extra (interest)
• Give an example of when borrowing might be sensible (buying a house) versus risky (buying luxuries you can't afford)
• Describe what happens if someone borrows too much money and can't repay it

评估问题 / Assessment

{{name}}能解释一下为什么借钱的总花费会比借到的金额多，以及这一点为什么重要吗？

Could {{name}} explain why borrowing money costs more than the amount you borrow, and why that matters?