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利息 — pronunciations, definitions, and tags
HanziPinyinEnglishTags
利息lìxīinterest (on a loan)HSK 6, n, 17 strokes, rank #7720, Hard
lìxī(li4xi1)li xi T4
  1. 1interest (on a loan)
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March 24, 2026

利息lìxī(li4xi1)

利息 (lìxī) refers to the interest earned on savings or paid on loans. It is commonly used in financial contexts, particularly when discussing banking, investments, and loans. Understanding this term is essential for anyone dealing with money and financial transactions.

Strokes17Frequency#7720DifficultyHard
Cultural note

In Chinese culture, understanding financial terms like 利息 is crucial, especially in a society where saving and investment play significant roles in personal and national economic strategies. Interest rates can influence people's saving behaviors and attitudes toward debt.

Memory tip

Think of 利 (lì) as 'profit' and 息 (xī) as 'breath' or 'rest.' Imagine earning a breath of fresh air (息) every time you make a profit (利) from your savings. This connection can help you remember that 利息 is about the benefits of money over time.

Meanings of 利息

lìxī(li4xi1)
1interest (on a loan)
Exercise 1 of 2

By ear

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About 利息

利息Simplified
17Strokes
—Radical
名词míngcínoun (n.)Part of Speech
#7720Frequency Rank
笔Measure Word
HSK 2.0L5HSK 3.0L6IntermediateTOCFLL4HSKKL2BCT✓CEFRB1

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Podcast: 利息

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AI study notes for 利息

Quick Contrast

利息 (lìxī) vs 费用 (fèiyòng) — use 利息 when specifically referring to interest, while 费用 refers to general expenses or costs.

Usage Notes

Learners often confuse 利息 with similar terms like 利润 (lìrùn), which means profit. While 利息 specifically refers to interest, 利润 refers to the overall profit made from transactions. Be aware of the formal use of this term in financial discussions.

HSK Study Tips

As an HSK Level 5 word, 利息 connects to terms related to finance and economics. Students should focus on its usage in sentences about loans and investments, and practice combining it with other financial vocabulary to enhance their understanding.

Common Mistakes

Learners often mix up 利息 with 贷款 (dàikuǎn), which means 'loan.' For instance, saying '我想要利息' (Wǒ xiǎng yào lìxī) instead of '我想要贷款' (Wǒ xiǎng yào dàikuǎn) can lead to confusion. It’s important to use each term in its proper context.

AI-enhanced 2026-03-24

Pronunciation of 利息

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Component characters

利lìsharp
HSK 67 strokes刂
View full entry
息xībreath
HSK 310 strokes心
View full entry

How to say interest (on a loan) in Chinese

“interest (on a loan)” in Chinese is利息lìxī

利息 (lìxī) refers to the interest earned on savings or paid on loans. It is commonly used in financial contexts, particularly when discussing banking, investments, and loans. Understanding this term is essential for anyone dealing with money and financial transactions.

When to use 利息

Learners often confuse 利息 with similar terms like 利润 (lìrùn), which means profit. While 利息 specifically refers to interest, 利润 refers to the overall profit made from transactions. Be aware of the formal use of this term in financial discussions.

利息 or something close to it

利息 (lìxī) vs 费用 (fèiyòng) — use 利息 when specifically referring to interest, while 费用 refers to general expenses or costs.

What learners get wrong

Learners often mix up 利息 with 贷款 (dàikuǎn), which means 'loan.' For instance, saying '我想要利息' (Wǒ xiǎng yào lìxī) instead of '我想要贷款' (Wǒ xiǎng yào dàikuǎn) can lead to confusion. It’s important to use each term in its proper context.

Write 利息

利
息

Practice writing 利息 stroke by stroke. Watch the animation to learn the stroke order, then try writing it yourself.

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Grammar patterns of 利息

利息 functions as a noun — it names a person, place, thing, or concept. Place it as a subject before the verb (主+谓) or as an object after the verb (谓+宾). Most Chinese nouns require a measure word between the number and the noun (e.g. 一个/三本). The example sentences below show it in action, with practice buttons (Listen, Practice Writing, Practice Speaking) on every line.

Exercise 1 of 4

Fill the gap

Type the missing word. Pinyin works; then pick the character.

你要是愿意,每年可以仅支取____。

You can just take out the interest each year, if you choose.

Example sentences for 利息 (8)

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1
你要是愿意,每年可以仅支取利息。

nǐ yàoshi yuànyì, měi nián kěyǐ jǐn zhī qǔ lìxī。

You can just take out the interest each year, if you choose.
2
利息按月支付。提款须提前3个月通知银行。

lìxī àn yuè zhīfù。 tí kuǎn xū tíqián3 gè yuè tōngzhī yínháng。

Interest is paid monthly. Three months' notice is required for withdrawals.
3
他以五分的利息借我一笔线.

tā yǐ wǔ fēn de lìxī jiè wǒ yī bǐ xiàn.

He lent me the money as 5 percent interest.
4
那个放高利贷者用高利息把我的钱全部榨光了.

nàge fàng gāo lì dài zhě yòng gāo lìxī bǎ wǒ de qián quánbù zhà guāng le.

The moneylender has been bleeding me white with high rate of interest.
5
高利贷的利息惊人得高.

gāo lì dài de lìxī jīngrén de gāo.

The interest of usury is unfairly high.
6
利息按天计算,每年4月1日一次性打入账户。

lìxī àn tiān jìsuàn, měi nián4 yuè1 rì yícìxìng dǎ rù zhànghù。

Interest is calculated daily and credited once a year, on 1 April.
7
这些贷款延期偿还以支付旧账利息。

zhèxiē dàikuǎn yánqī chánghuán yǐ zhīfù jiù zhàng lìxī。

Loans were extended to help pay the interest on the old ones.
8
低利息的 长期 贷款对小型企业会有帮助.

dī lìxī de chángqī dàikuǎn duì xiǎoxíng qǐyè huì yǒu bāngzhù.

The availability of cheap long - term credit would help small business.

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Frequently asked questions about 利息

It is pronounced as lì xī, with the first syllable having a falling tone and the second syllable having a high, level tone.

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